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Found 8 results

  1. Hi, I have a BW Legal court case going on at the moment. Today I received another county court claim from BW Legal for a different company. This is fraud too. Name of the Claimant ? PRAC Financial Ltd Date of issue – 29/09/17 What is the claim for – 1.The Claimant's claim is for the sum of £300 being monies due from the Defendant to the Claimant, under a loan agreement regulated by the consumer credit Act 1974 between the Defendant and Instant Cash Loans Limited t/a Payday UK under account reference xxxxxxx and assigned to the Claimant on 09/12/2016 notice of
  2. Hi guys Any advice on how I can get rid of a CCJ issued by PRAC Financial? My credit report states that the default on my loan with Payday UK (whose debt Prac has acquired) is Satisfied as of Jan 2017. Another credit report says its closed. Unfortunately these clowns still want their pound of flesh. Ive received two letters. One from Northampton County Court about the CCJ and one from BW Legal saying I pay the amount of £1,029. I dont want to pay another £255 to set aside. I dont want to pay anything to remedy? What should I do? Maybe write to the court?
  3. Greetings my fellow Acting Consumers Have just come back from holiday only to find this letter (attached). Went through all of it and started to panic a bit. Been reading CAG since morning and I'm not sure how to go about this letter. It's a Letter of Claim issued by BW Legal on behalf of PRAC for a PDL i took back in 2012. I know I'am suppose to action it but after spending all day reading I just don't know how to. (too much information). I do not have time to digest all that info as the deadline for response is 21/08 (tomorrow). I'm guessing if I fail to respond
  4. Hi, Seems like a lifetime ago now, but for many years I was a compulsive gambler. I funded this mainly through pay day loans and credit cards. RE:Payday loans I got into the trap of borrowing from one lender to pay the other, at the time I was either unemployed or low paid. In each case of borrowing, it was unlikely i was ever going to be able to pay the debt back - a simple credit check would have shown this and i had many defaults against me. After hitting rock bottom - fast forward 5 years i have turned my life around, paid back most of my d
  5. I took out a payday loan (not wise, i know!) with PAYDAY UK/MEM CONSUMER FINANCE LTD. I have not repaid the loan after coming into financial difficulties.The amount outstanding is £516.00 Apart from the original interest which was apllied to the borrowed amount, they haven't added on any extra charges or interest at present.The debt has now been passed to a DCA - EQUIBET. I am now in a position to pay back the debt in installments and asked PAYDAY UK for their bank details in which to start paying them.They refused to give me their details stating that they no longer have my detail
  6. A payday loan was taken out back in may 2012 with paydayuk when in financial hardship of £400 which increased to £516 with interest. It was then passed to various dca's before nothing was heard from the end of 2012 to 2016. Then paydayuk sent a letter saying the debt was sold to PRAC in jan 2017. Then PRAC sent a letter saying they had acquired the debt and were using Bw legal to represent the debt. Bw legal have sent a few letters including offering a 20% discount. Their latest letter says that if i don't setup an arrangement in the next 14 days then the account may be
  7. Hi I've been posting on a different site about this but help seems to have dried up. I'm keeping things vague as I don't want to tip their hand. Last year I complained about IL to PDUK. Extremely close to this time, probably passing in the post was a claim form from BW about a £100 loan outstanding from PDUK. I informed them it was in dispute, sent off the usual CCA request and CPR naming agreement, default notice and assignment. My defense stated the account was in dispute and that BW had not supplied docs or CCA. No response from BW. DQs were exchanged, I
  8. Hello All In 2012 I took out a payday loan with PaydayUK for the sum of £400. At the time of taking the loan out I was on a low income and I wasn’t able to pay my rent I took out the loan to cover rent costs - stupid idea I know but at the time I had no other way of getting the money I didn’t pay this loan back as I couldn’t afford too. I vaguely remember contacting them to advise them of this but they were really unhelpful and I just ended up not paying and I heard nothing for 5 years. In December 2016 I received a letter from PRAC/BW Legal saying they ha
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