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BW Legal / Prac financial - 5 months after CCA Request

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Last year around June I received a letter from BW Legal (on behalf of PRAC Financials) over a payday loan debt of £305.74 owed to PayDay UK. This letter came in the form of a claim form for me to complete. Following advice I found on this forum as well as online, I completed the form by ticking the ‘need more information checkbox’, requested for proof, contract signed etc as well as a CCA request with the required £1 postal order.



BW Legal then replied to this and the CCA request by telling me they would get back to me in 30 days. 6 weeks later, another letter was received indicating to me that they were unable to get into contact with PRAC financials and they would be in contact as soon as possible. I haven’t heard from BW Legal for nearly 6 months until the beginning of this year.



Now, I have received a letter offering 20% of the debt (if I agree by the 9th of this month), and if I don’t they would proceed court proceedings. They have completely ignored our previous communications and weirdly it seems that they have put the £1 postal order as a payment made towards the amount owed? (A second sheet was a balance sheet 7th December 2017 - 7th December 2018 and it shows the postal order was a subtraction from the total debt).



What is my best approach to take from this? I have kept all letters and communications to and from, aside from the last letter indicating PRAC didn’t get back to BW Legal in time which I have seemingly misplaced.




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ignore them

send the original creditor an irresponsible lending claim

and any other PDL's you have

esp if your credit file was crap at the time.


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