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PRAC/BW Letter of Claim - Old Payday UK PDL

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Greetings my fellow Acting Consumers :)

 

Have just come back from holiday only to find this letter (attached).

 

Went through all of it and started to panic a bit.

Been reading CAG since morning and I'm not sure how to go about this letter.

 

It's a Letter of Claim issued by BW Legal on behalf of PRAC for a PDL i took back in 2012.

 

I know I'am suppose to action it but after spending all day reading I just don't know how to. (too much information).

I do not have time to digest all that info as the deadline for response is 21/08 (tomorrow).

 

I'm guessing if I fail to respond on time, the next letter will be a Court Claim?

 

I had a look at my credit file and the Default date for this loan was 01/11/2012

I am literally months away being Statue Barred on this account :(

 

Is there anything I can do NOW to get out of this mess.

Possibly delay any proceedings for few months or Claim back from PDUK for irresponsible lending.

 

I was in a big trouble back then when I took this loan, stuck in payday loan loop with multiple PDL's.

 

Any help or advise would be much appreciated.

 

Thank you

bw.jpg

Edited by dx100uk
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when was your last payment , SB date is nothing to do with defaulted date

re titled and moved to PDL forum


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Hi DX !

 

Thanks for quick reply :)

 

I'm not sure when my last payment happened but from my noddle report looks as it was 01/08/12 ???

 

Hope it makes sense.

 

Thank you

nodd.PNG

Edited by dx100uk
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PDF please

read upload

go ring payday uk and ask


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

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Hi DX.

 

My last payment to PDUK was on the 29th of May 2012.

 

I though SB clock starts from the Deafult date?

 

Appologies for missing upload rules. Clock is ticking, i can hear it :)

 

Thanks

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aw what a shame

prac bought a lemon...

 

go see and follow post 4 in this thread

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

use OUR form NOT theirs

reason to dispute debt

Its Statute Barred.

 

pers I wouldn't both putting all the stuff about paperwork requests etc

 

dx


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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Great Stuff DX!

 

 

THank you very much.

 

 

Should I print off the PAP form, fill and send it to BW asap?

The deadline is tomorrow, they won't receive it by then.

There's also an option to do it online (according to their letters) but I'd rather not use as don't want to give too much information out.

If I decline the debt because it's SB should I request more paperwork (to buy some more time?) or just go bluntly "Statue Barred" as a reason :)

 

 

Thanks DX

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forget their stupid deadline matters not

just send 1st class with free proof of posting from the PO counter

 

the rest as Ive already said in post 6


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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I would leave it a week to make sure they cant respond and then act this month

 

No need to rush over this if they spend money trying to chase it up just because they have set a meaningless cut off point then tough luck to them.

 

Once you have sent the SB letter dont enter into any other correspondence on this matter, if they do sue then your defenec is absolute (SB) and there is sod all they can do to change it.

 

Now the SB clock is stopped 6 years after the date the debt became due so for a credit agreement that will be the billing cycle after you failed to pay them so for example, if you paid in may and then the june bill becomes errant when you dont pay and it defaults at the time of the july bill is due and you still havent paid.

 

As most bills fall at the end of the month it is likely that your account is only SB by a few days so better to let things drag out until there is a bit of blue water between the last payment date anniversary and when the actual account defaulted

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not sending SB letter

returning PAP response form in post 4 of the thread in post 6 stating its statute barred as the reason not owed/disputed


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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Just to be clear here - Broken Whiney Legal's timescales do not apply - even the 30 days can be a bit off here or there and they really dont stick to them.

What does matter is the courts timescales... If you do get a claim form, make sure you stick to the timescales...

 

Just OOI, how many PDLs did you have?

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Thanks all for the replies :)

 

 

@fkofilee: I had quite a few PDLs back then. Got in a real mess with finances (had a baby, made redundant and eventualy evicted from a rented flat lol)

 

All of this around 2012 (the world was supposed to end or something... almost did) I've stopped paying back all PDLs and ignored pretty much all the rubbish they've sent me.

This one looked scary though as I know BW Loonies do take people to court so I panicked a bit.

 

 

I know I could start fighting back and claiming the moeny I paid but now I just want all of this to be over.

Debts SBed, written off... gone from my CF (not many left and all to be gone this year)

 

 

Waiting for Claim Form from the Courts is an option as it may buy some extra time but is it worth it...

It's a same reply/defense as PAP :)

 

 

Thanks

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go get some moneyback poss? under irl claims to the lot of 'em..??

 

just get that post 10 done


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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Thank you all for all the replies and help I received.

 

 

I've followed your advise and sent the PAP letter back.

If anything comes back good or bad I shall post it :)

 

 

Thank you

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now time to get IRL claims running on every PDL you had


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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