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Hi, so I have a letter of claim from BW Legal saying I have to pay back the payday loan I had with Payday Uk and If I don't agree sols and court fees.

 

I would very much like to settle this debt. However, I do not think I should pay back the whole amount.

 

The reason why is because, when they loaned me that money in 2013, I was in and out of jobs, I was a compulsive gambler, I was in debt up to my eyeballs with bad credit everywhere. I was borrowing also from one pay day lender to the other.

 

Now these actions are my responsibility and have come with a price. However, irresponsible lending which I think they are guilty of is fully their responsiblility.

 

Now I am talking in terms of what I believe and what I feel about it, that is because I do not know all the legal statuses/speak/legislations regarding the above.

 

So if anyone could shed some light about whether I can do anything about this in a legal fashion or not?

 

Thank you

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Bump, sent a stalling letter for the time being...

 

Would appreciate getting to know what can be claimed back or written off, due to irresponsible lending and excessively high interest rates from PDL lenders?

 

Thank you so much...

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Hi Dougy

 

Very sorry you were missed - This will be a complicated one as it's with BW legal.

 

I have yet to see one of these go towards a court - But BW Legal are exceptionally Litigious - Just look at Parking Debts they have!

And Stat Demands they used to issue like confetti.

 

But alas we are here to help and thats what we want to do.

 

So where BW Legal are concerned - Ignore for now until you get a claim form turn up (If you do), you immediately come back so we can help you defend.

Now lets start with your PDL issues.

 

DX has given you the guide that we use at CAG - You need to have a full read through this. Any questions let me know. Make a spreadsheet of all your loans.

Get all bank statements from where the loans were paid in.

 

As PDUK no longer own the account and PRAC Financial do (BW Legal in disguise) it means that you should be due any refund directly etc

What have BW legal said so far about your stalling letter?

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