Safety Net Credit - Pre Action Protoccol

[prince percy]

Hello, 

 

I need some advice on a old payday loan, i have done a quick search but couldn't find anything on the site that relates my situation.

please point me in the right direction if this is covered elsewhere.

 

Long story short

a couple of years ago we were in real difficulty with money and fell into the trap of payday loans.

Ended up with Safety Net in the end as it was easier to borrow smaller amounts but it snowballed to £1108.50.

 

I then decided that i needed to get my finances back in order, stopped paying them and have ignored them since.

 

I now have a letter form a solicitor with a pre-action protocol asking for payments ect and i'm not sure how to proceed?

 

I made a complaint to Safety Net in November last year about irresponsible lending but i never heard anything back and then kind of forgot about following it up.

 

I have re-sent them the complaint email today and also made a subject access request to get the credit agreement and any of the application details they hold on me. 

 

am i right that they can't proceed with court with the complaint open?

 

do i need to start communicating with the solicitor and tell them this?

 

Many thanks

 

[dx100uk]

you must reply to the PAP letter 

 

read this topic

 

then follow as post 6

[prince percy]

thanks for the quick reply.

 

[prince percy]

I'm not sure if the debt has been sold onto a DCA it showing as owed to Indigo Michael on my credit report and i don;t remember any letters from DCA. Would they start the court action without selling the debt?

 

[dx100uk]

Who asked if it had been?

Yes many pdl co's do do court now

look at the sols letter...it will say 'our client'...they are the owners.

[prince percy]

i'm just finalising this PAP and am not sure on what reason i can dispute the debt other than they have not sent CCA or other paperwork, Sorry if i'm being thick but is this what i need to put?

 

[AndyOrch]

Yes and possibly Irresponsible lending and none compliance to you DSAR ?

[prince percy]

Just to update on this.

 

Safety Net have written and agreed they lent irresponsibly and have agreed to refund me interest paid on loans taken out with them so this covered what was outstanding plus a bit more.

 

Thanks for the help with this. I will be making a donation at the end of the month when I get paid.

 

[AndyOrch]

Well done...let us know when you get the refund and we will update your thread title....and many thanks for the forth coming donation.

 

Regards

 

Andy

[dx100uk]

hey glad to help

 

good result.

 

now go hit any other PDL's you had...???