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Payday Uk debt Sold to PRAC & BW Legal

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My wife has just had 3 letters today:

 

Letter 1 from Payday Uk stating they have now sold the debt to PRAC Financial Ltd on 9th December 2016, giving a formal notice of assignment of the debt

 

Letter 2 from PRAC financial stating they now own the debt of £349.77 & B W Legal will be acting as there Agent.

 

Letter 3 From B W Legal stating as the agent for PRAC they are demanding full payment of a debt which was £100.00 and is over 5 years old.

 

If this debt is over the 6 years is it classed as statute barred and are all debts over this timescale removed from a credit file

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well another letter today headed " Letter of claim " according to my emails the debt relates to old debt from Jan 2013, BW Legal now chasing this debt was thinking of sending letter requesting original copies as i cannot recall the actual debt

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irresponsible lending?


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Well had a letter today stated " Letter of Claim " 5 pages in total. They have confirmed if we do not reply by 6th August they will apply to the court for CCJ, they are asking for income details and the following

 

 

Letter Reply form

 

Box A - I agree to the debt

Box B - i owe some of the debt

Box C - I don`t know about the debt

Box D - I dispute the debt

Box E - I will pay the debt now

Box F - I will pay but need time to pay

Box G - Getting advice

Box H - I have provided documents

Box I - I need more documents or information

 

Lists Particulars of Debt

 

Debt dated 29th November 2013 assigned on 9th December 2016 to PRAC Financial

 

My question is should we wait until they issue court CCJ or send off for more information including signed paperwork etc

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they cant issue a CCJ

you mean a claimform.

 

and it doesn't say WILL anywhere go read it properly!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Rule 1 read the letter correctly, same letter as 2017 so will file with the other paperwork

 

Many Thanks

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no!

you must follow post 6 IF that's what you got

check the attachment in post 4 there

is that what they have sent as well?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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The details from post 4 are the same as last years letter. Its not from the court as the letter water mark is from B W Legal

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have they sent you this:

PAP blank reply form.pdf


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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yes that`s the letter they have sent.

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then as post 8.....


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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ok thanks

 

will send off paperwork and see if they reply,

 

strange as they have not chased for along time was hoping it was SB account.

 

Thinking back it was not repaid and dates back to Nov 13.

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then its not SB'd……………

 

post up your reply 1st here


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Ok, Will post over the weekend

 

Cheers

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Just subbing your post, I have had the same.

 

They say my agreement is dated * 2014 and yet I have had no credits to my bank account at all from Payday during 2014.

 

I am going to ask what bank account they paid into and on what date.

 

Check your bank account as well.

 

Surely, if your agreement is dated whatever you requested a loan from them on that date and you would have received monies from them

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