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Skielah

PRAC/BWLegal re old PayDay UK loan - will court action be taken.

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a solicitor is not a creditor

they operate under the instruction of their client who is the creditor

which is why it should be sent to them in both cases.


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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

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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

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Ford. Apologies if I don’t sound the brightest here but what am I checking for on my credit report? To see if they provided checks etc?

just to see whats still on there, for your info atm.

it might still show if any checks at the time, and any other credit/defaults at the time which could support to irr lending.

up to you, it may not be necessary atm, see what the guys think.


IMO

:-):rant:

 

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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

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just to see whats still on there, for your info atm.

it might still show if any checks at the time, and any other credit/defaults at the time which could support to irr lending.

up to you, it may not be necessary atm, see what the guys think.

 

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

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There normally wasnt any proper checks done pre 2015 :p

 

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

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Please do

 

Will do. Thanks again for all your support

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Just send a CCA request to prac - don't change/add anything.

 

And get that IL complaint running to paydayuk

 

No need to do anything to BW


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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