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I went through a bad patch in my life when I lost my job in 2012 and


became desperate

could not find any work

government couldn't be bothered to help

and with having a new baby at the time


I needed money to feed us all and I stupidly turned to loans I knew I couldn't afford


now working for virgin

been there 4 years

I got myself straight


thought I'd settled all my loans and started fresh


I received this letter a few weeks ago off a company called BW Legal for a payday loan back in 2013 for the amount of 179 pound plus 50 pound I know nothing about


after emailing them numerous times to try set up a 75 pound a month payment plan

I've had no answers out of these people


but they continue to pester with threats of court action if I don't settle the debt within 14 days.

I get the impression these people arnt interested unless I'm throwing the full 179 pound to them


As I've had no reply out of them and I refuse to call them what's the next step


Learned my lesson now once this is settled I'll be debt free ����


Thanks guys

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If you want to pay it off, write to them saying that you have emailed them a number of times and they have not bothered to respond. Ask them for a statement of account from the original creditors and details of the payment options available. Send either standard recorded delivery or at least get proof of sending it at post office counters.

We could do with some help from you.



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If you want advice on your thread please PM me a link to your thread

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who was the PDL with?

and who are BW's named client.?


I wouldn't go blindly paying anyone anything on any debt

until they have proved they hold the legal paperwork to demand anything from you


a DCA or their fake/tame solicitor ARE NOT BAILIFFS!!


please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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If BW Legal have it, suspect this is a PRAC Financial - The Money Shop etc loan.

I am yet to see if they take any legal action against on the debts they have bought. PRAC is just a shell company too...


As you have made a mention... Take a look at my signature and see if any of it applies to you.


We could do with some help from you.


Have we helped you ...?         Please Donate button to the Consumer Action Group



Receptaculum Ignis


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