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    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
    • Have you not already served a CPR 31.14 ?   You dont request the agreement by way of a CPR 31.14 you use a CCA (section 78) request which you have already done and they have not complied.Therefore they remain in default of your request and unable to enforce the agreement.   Screen shots of the application/sign up are not compliant with a Section 78 request.
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Hi,

 

a couple of questions,

 

I got a pay day loan with Moneyshop in 2016, they have never marked me with a default just missed payments.

 

The debt as far as I’m aware is with BWLegal.

I’m just wondering what BW Legal actually are,

are they just a debt collection agency and the debt has been sold onto them or are they just chasing the debt for them.

 

I’ve got an irresosible lending claim with the ombudsman at the moment against Moneyshop,

I’m just more wondering about BW Legal and why they haven’t actually defaulted me.

 

Thanks

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who are BW's client on their letters?


..

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They will be CRAP Financial - No Wait CARP Financial... Sorry no again PRAC Financial.

Thats who their client will be...

What stage do they have you at on their collections carousel?


 

We could do with some help from you.

 

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

 

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Receptaculum Ignis

 

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Our Client:Instant Cash Loans Ltd

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If its still with the oc then ignore bw

Stuff all any dca or their fake/tame paper sols can do

Neither are BAILIFFS


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i signed into their arrangement to pay portal and thats what it says.

 

I want it off my credit file or defaulted into 2016 its just two years worth of late payment markers at the moment

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nope instant cash loans.

 

this is more to do with my credit file my query.

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Most successful irl claims result in the loan being removed anyway from your file

Id let it run IMHO


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whats the difference between prac and bwlegal

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PRAC are a portfolio holder and BW Legal chase it on their behalf.

The COO of BW Legal is a director of PRAC.

 

I'm surprised it hasn't been bought by PRAC TBH. Have you had any letters recently?


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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nope no letters for ages!

 

whats a portfolio holder?

 

So are we saying the moneyshop has now sold the debt?

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dca's buy bad debts the OC's sell on...


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ok so has this debt been sold do we think?

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no not if BW's letter say our client is instant cash loans

 

pers i'd just await the IRL outcome.

makes no odd even if it has been sold to the outcome of that


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hypothetical question

 

if the result of my irresponsible lending claim comes back as saying they dont agree with me.

 

do bw legal accept settlement offers.

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But you wont be paying bw

You'd pay their client


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ok so id be offering instant cash loans the settlement

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Possibly but if it does have to go the FOS looking at your overall situation. Id say you'd win


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right FOS rejected it and i want it off my credit report(just late markers - no default)

 

so

 

Are BWlegal likely to accept full and final settlement offers

 

just for reference

 

i borrowed £500

 

Paid £149.66 to money shop

and £48.64 to BWlegal

 

what should i offer if you think this is right to do

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50 percent of what they say i owe them or 50 percent of whats left of the initial loan?

 

because if we're just going on the loan it would be £303.30 left to pay

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