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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?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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.

 

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Receptaculum Ignis

 

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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

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

Id let it run IMHO

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

But you wont be paying bw

You'd pay their client

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

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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