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    • Hi guys   I have a number of large loan & credit card debts that I've been paying off by the absolute minimum amount since 2011.  We lost our business & home and have been renting since.  None of the debts are with the original creditors now, but they have been doing the usual 'pass-the-parcel' merry-go-round for the past 8 years and have settled with the likes of CapQuest, Intrum, Cabot, CDCS, PRA Group, NCO Resolve & Moorcroft!  They also very regularly send 'offers' of settlement with up to 70% discount!   Over the years some have been sending irregular 'statements' and most nothing at all.  Every so often some contact me to discuss the repayment 'plan'.  A couple, including NCO Resolve, keep asking for an updated Income & Expenditure sheet and even a list of ALL my creditors + what I owe & pay each of them.   I always reply with the same letter or email (never phone calls) explaining my situation and the fact that I pay ALL my creditors the same monthly amount.  However, I never send them an I&E sheet or list of creditors.   So, my main question is; Is it ok not to send the requested details, as I was once advised that only a court can ask for them?   Thanks & regards.   radmm0    
    • Syskey'd probs DX...  Probs used either Tamviewer / Logmein / Anydesk   For the OP - Warning signs - Please watch these vids...   https://www.youtube.com/channel/UC0uJKUXiU5T41Fzawy5H6mw   https://www.youtube.com/channel/UCm22FAXZMw1BaWeFszZxUKw
    • That damned  permit remote access flag should always be disabled especially in Windoze,
    • It sounds very difficult and it must be very unpleasant. I'm very sorry. I think the first thing I would do is start phoning the council. Telling them that there are hazardous materials being used on the premises and that also there don't appear to be any smoke alarms et cetera. Do you have an electrical safety certificate? I'm afraid the only technique I have is to start stirring up trouble as hard as possible. Other people will come along with more practical advice but I think you need to start attracting the attention of the council urgently. Surely the contact details of the landlord are contained in the tenancy agreement? Also, I would go to the land registry web search, search on the address and you may well be able to identify the owner. That might be a good start. If you are able to get real evidence of the way that the person downstairs runs the business – in terms of witnesses to the vapours, and any photographs of the storage business area et cetera then I think you could also challenge her in nuisance – which is a tort which you could sue her for in the County Court. I don't know if there's any way of getting solid evidence as to the vapours – you will need to look at the Internet and see if it is possible to get chemical detectors which will then register what is coming up and of course that would be used as evidence in court. I don't know if it would help to call the fire brigade and asked them to come along and do an inspection if you really believe there is a fire hazard. – Once again all I can think of is to stir it up as much as possible. If you are sure that the chemicals et cetera are being flushed into the water system then I would also phone the water company – who are they? – And give them information about it as well. Once again you will need to provide evidence and am afraid with all of these people they want a quiet life and so you will have to be persistent about all of your complaints. Otherwise number will pay any attention to you until there is some tragic accident. In terms of the music I would start recording it – but once again you need to get people there to hear it. I'm afraid a lot of it is going to be about evidence, evidence, and more evidence in terms of any physical evidence you can accumulate, and also the evidence of witnesses to it. I should start keeping a small exercise book with a daily fairly detailed record of everything that is happening – vapours, noises, opening times, closing times – et cetera. I do hope somebody else will come along with more practical advice that just to recap, it seems to me that you need to call the council, the water company, possibly the Fire Brigade, and also start thinking about a possible action in the County Court in the tort of nuisance. We can help you with the county court action.
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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

 

**Fko-Filee**

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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