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Skielah

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About Skielah

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  1. I just had a proper look and if they had done any checks they no longer show on my report LOL I’ll keep you all posted of progress
  2. From what it seems there doesn’t appear to be any checks - I’m going to have another look and go through it properly though and see if there’s anything on it. Thank you for your help
  3. Lol fko Excellent - going to get it done tomorrow Just a quick question though. When I ask for a copy of original agreement etc - do I need to mention that I don’t agree with amount owed or do I leave that until they respond? Do I also ask for a full break down of interest/charges as well? Will also get that IL claim sorted too Thanks so much for all your help. Really, really appreciate it
  4. Fko - which letter did you want me to upload? The one I received from bw legal? I don’t have officelense - am I going to have to download it? I could just copy the exact wording from the letter And type them on here if that would help? I think I’ve figured out how to upload so if it’s the bw letter let me know and I will upload it
  5. Sorry guys. I’m getting a little stressed and confused with all this info All I need to do is reply to BW and request the original credit agreement? Is it worth asking for a breakdown of any interests/charges as I don’t believe I owe the amount they’re stating. I have no idea if any interest or charges have been added Paydayuk helped themselves to various amounts of money from my account I also need to write to payday uk direct to start an irresponsible lending complaint? Sorry if I’m sounding a little thick here but I’m so confused on what I need to do A
  6. Thanks dx. I don’t have any other debts so I shouldn’t get any back door ccj’s Its BW that are writing to me at my current address - I didn’t make that clear sorry. So just to confirm. I’m writing to paydayuk directly and providing them with current address and I’m also sending bw the same letter advising them of what I’m doing and providing them my current address too? Did that make sense?
  7. Oh dx/fko apologies. I didn’t mention in my original post that I had since moved address which probably explains why I never heard from them. They are writing to address I currently reside so if I am to complain about irresponsible lending do I give the old address at which the loan was taken out at or do I give current one?
  8. Excellent dx. Thanks so much for your help and assistance so far I will keep you all updated and will post back if I hear anything further from B W
  9. Dx - I will do this - is there any template letters anywhere that I can have a look at before I start letter? Also - what’s a PAP letter? Sorry. I’m so new to this. I don’t know all the terminology Fko - thank you so much. I’m going to have a thorough read now and I will let you know how I get on Thank you both so much
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