Hi all,

I received a letter today from BWLegal in relation to a debt of £704.80 original debt was with The Money Shop, payday loan of just over £100.00. The debt is due to be made SB in March. The letter is threatening to take me to court and place a CCJ on my credit file.

I have typed the below letter and would appreciate any feedback you could give. This will be the first letter they have received from me, I have not made any contact with them previously. I have also typed out the content of the letter I received from them today.

16th January 2019

CCA Request removed please do not post our template requests.

The Below is a rough outline of the letter received today

Dear MR XXXXXX

We have been instructed by PRAC Financial Ltd to commence legal action in the form of issuing a claim against you in the county court, without further notice, in respect of the above debt. If payment or response is not received before the 14th February 2019. If you dispute this debt please tell us why so we can help resolve this matter.

Estimated Claim

Such legal action may result in you being liable for court fees, solicitors costs and statutory interest which are listed below:

Principal Debt: £708.74

Estimated Interest: £118.37

Estimated Court Fees: £60.00

Estimated Solicitors cost: £70.00

Enclosures

Enclosed with this letter are:

• Information Sheet
  
• Reply Form
  
• Income & Expenditure form
  

Particulars of the debt

On 20 February 2013 you entered into an agreement with Instant Csh Loans Ltd t/a The Money Shop to provide you with a fixed sum Loan agreement account. You failed to make payment in accordance with the terms of the agreement and it was later terminated and has since been assigned to our client on the 9th December 2016. Notice of this assignment has previously been given to you. Our client is not currently applying any interest, fees or charges to your account.

Any help with my CCA Request letter is greatly appreciated, I want to make sure I have the correct sections quoted etc.

Thanks in advance

regards

Veteran6224

so its a PAP letter of claim?

do as post 4 here.

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice-1st-Oct-2017

moved to the PDL forum and retitled

Thank you for the swift reply. So to confirm, I need to send the above CCA Request alongside a PAP as per the post in the link you provided?

if so, is the CCA Request letter I typed OK to send as is?

Thanks

veteran6224

Our client is not currently applying any interest, fees or charges to your account.

How nice of them. Pity they cant do that anyway.

just follow post 4 there

and our CCA request

no need to adapt anything.

How did a PDL get to be 6 - 7 times larger than the amount borrowed?

Bogus charges. Adding on interest after defaults.

Minicredit used to be the kings of doing it. There are threads about loans of 150 turning into over a thousand.

Update

I received a response today to my initial letter to BW Legal. They have Confirmed that the file has been placed on hold whilst they query the matter with their client. They also state that they will contact me upon receipt of a response from their client (Money Shop)

From your experience what are the next likely outcomes? If they have the original agreement signed by me and send evidence what should I do? The debt is Statute Barred in March.

If they don’t have the original agreement do I send another letter requesting they remove the default and stop chasing me for it?

Thanks in advance

cant get the default removed no the oc registered that upon sale or before nothing to do with the debt buyer or their dogs.

what or not paperwork they hold is immaterial once the debt hits sb.

you simply fire of our sb letter and forget about it.

sit on your hands.

don't enter into any stupid letter tennis.

dx