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    • You're like, super helpful and unhelpful at the same time lol.   What do I search for, I searched form 4, and nothing, I searched claiming compensation and nothing about this.   I can't find the top squares logo.   Can you post a link or tell me what to search.   Sorry if I'm slow.
    • use our custom google search box  click our top squares logo it should appear on that page   dx
    • Apologies, I haven't used a forum for years!!   I defo wish to keep the 2 issues separate, sorry!   My only issue I need help with is the increased compo for marstons - if possible.   I don't know anything about claiming compo etc. (I only recently found out one of the NHS biggest costs are NDA payouts)   I don't know what form 4 is; so far, they've offered £250 and I haven't accepted or denied it.   So yeah, can you forward me to some more info?   Also, usually I'm good at google etc. but I can't find many stories on this stuff, regarding PCN/TFL etc.   Thanks again!
    • ok things are getting clearer...   I've merged 2 of your posts for clarity and removed the swearing, (behave please) I've also taken down the two images you posted should you wish to post things up please use PDF so we can zoom easily and don't forget to redect them read upload carefully.   I think you need to continue to keep the two thing sep. those being increased compo for marstons- if possible ( if you are raising a form 4? complaint through the court - it might be better you don't? - they are very hard to justify and can be costly - so the fact it might not be moving forward could be a good thing, but listen to others here too) and the issue of the PCN wasn't justified - which you need to further expand on please.   the more info you post up the better please but please use multipage PDF files only and carefully redact them    
    • Thanks for trying btw! It's kinda in 2 parts.   1 is that the PCN wasn't justified in the first place and I wasn't aware it had escalated. I received the initial fine from TFL which I challenged and heard nothing back from (for 5 months). Then another letter from a separate PCN which made me email TFL to inquire what was going on but again, heard nothing back.   (BTW I can see how confusing this is so thanks again for trying)   So, I had no idea my car was at the risk of being taken - that's the first part.   No 2. is:   I got a phone call saying my car was on the back of a truck round the corner from mine (they hadn't left any notices or anything, and the car was parked directly outside my house). My friend said they were attaching the straps and securing it to the van (so I think they got it on the back of the van and moved it before securing it).   When I ran round the corner I saw the EA's van. I went upto it and asked what was going on. He was rude and told me to go away. Then after I kept knocking he got out the van and was aggressive and refused to ID himself or tell me why he had my car.   He shouted at me, was rude and unprofessional, he then left with my car. I complained to Marstons and asked for the bodycam footage.   They gave me the footage but it was clearly edited and cut short (because in the beginning of the footage he was the most aggressive).   They then told me he wasn't required to have the camera turned on when he's in the van, only when he's 'actively pursuing a warrant' and I was only allowed the footage I was in. (which is 2 different things) So I asked them to clarify which is true.   Anyway, I reviewed the footage and sent in my complaint (talking about what happened in the footage) They replied and said they watched the footage and disagreed with everything I said.   So I wrote a more in depth response with the CIVEA code to reference + the TFL EA guide etc.    Then they asked for more time, called me and finally apologised and admitted he had acted untoward and was in the wrong.   They then offered me the goodwill payment.   This has taken up weeks of my time, caused me serious trauma and PTSD and even after I complained WITH video evidence, they still initially denied it which means they officially lied, on record, while representing TFL.   I told TFL what was happening they said I had to continue with Marstons etc.   £250 goodwill isn't enough, the car cost £800 to get out, the suspension is messed up and I'd like to claim compensation for everything.   I don't know if that makes me sound like i'm money grabbing or whatever but they shouldn't be allowed to get away with it.   The police had to come before they could call an ambulance cause I was having a panic attack and it was a HORRIBLE experience.    So any help would be great please    I have the whole file from Resolver in a ZIP file but it's a lot of writing and I think you've read enough of my writing to last a life time!   I did a statutory declaration of OOT, got it signed by the court etc. but it was rejected.   I then tried to take them to court but it cost £250 I think which I don't have. You can get it for free if your low income but they wanted bank statements that I couldn't get. They're waiting for me to reply with documents to get a free court date.    did you receive any of the pcn's - was that why you appealed? - Yes, sorry!   unless it's trying secure a greater level of compo from marstons? - Yes, sorry!   For the record I just saw this pop up, read it and now feel much less guilty about my enquiry!
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DaveMcDaveson

PRAC/BW PAP Letter - Instant Cash Lones LTD t/a Pay Day Express debt - ID Theft?

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Hey CAG,

I've had a letter from BW legal today claiming that I owe the sum of £182.

I had a letter from another DCA about 18 month's ago for the same debt (Instant Cash Lones LTD t/a Pay Day Express).

I've never had a payday loan other than from wonga in about 2010 which was paid back in full. 

 

Upon speaking to their telephone advisor they told me the are unable to pass security as the DOB they hold on file is different to the one on the account.

I sent them proof of my DOB to prove to them it's not me and they've now updated the DOB on file to mine. 

 

They say I have until the 27th of july to pay up else they'll be taking me to court for a debt that's not mine. 

 

Any idea what I can do here or what my next steps are or should I just pay it to protect my credit file?

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Hi and Welcome to CAG Dave.

 

Have you checked your Credit files to see if this debt is registered already ?

 

Andy


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Hi Andy,

 

No debt on my credit file for this.

 

 

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deleted, not relavent


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Who is the client? PRAC Financial maybe? 

Did they have your address before you updated your DOB with them. 

 

So this is potentially ID Fraud then? 

Raise a formal complaint with them and also raise with the ICO - That should hopefully stop legal action temporarily. 

Did you get a Letter Of Claim?


 

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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Yes it's PRAC,

 

Yes but they said they traced me to this address not that the address was linked to the loan agreement.

 

Yes it was a letter of claim.

 

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you must respond to the letter of claim 

 

tell us anything more you know and well help you.

 

moved to payday express forum

thread title updated for clarity

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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16 minutes ago, fkofilee said:

Do you recognise the address of the Loan Agreement? 

Nope, completely different part of the country. 

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Right well then - This could be interesting. 

Are you 100% sure you didnt have a loan with PDE? 

 

What date was the loan from? Can you prove your residence for the last 6 years et - If so this will prove a mistrace and you maybe entitled to damages as BW Legal will have messed up 

(Don't worry - They do so quite often as I know 1st hand)

 

File up the Letter Of Claim minus personal deets :)


 

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**Fko-Filee**

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Date of loan was apparently 18th of June 2013 and yeah I can prove my residence I've only had 2 addresses since i was 18, rented and the flat i bought back in 2015.

 

100% certain i've never had a loan from them. 

 

Letter of claim uploaded.

bw_legal_1.jpg

bw_legal_2.jpg

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Right okay - Speak to BW Again

 

Ask them to confirm the bank details that it was paid into - Surely now that they have the correct "Information" for Data Protection - They will beable to provide you that information. 

Keep the call short - Only ask them for the information once you have passed DPA... 

 

Then we need to respond to your PAP LOC - Which we can help with. 


 

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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They don't hold that information and will request it from PRAC for me but "it's just wasting time" apparently.

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why bother its statute barred.

 

send our SB letter to them 

forget about it.

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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so what will be

just add 

two lines to the top

 

I don't not acknowledge any debt to you or you client.

The debt is obviously ID fraud as I have documentary proof I was living elsewhere at the time of application

 

they wont go anywhere near a court with it once they have that info but you have to do something to ensure you write with your correct address to prevent a backdoor CCJ.

 

it would very easy to prove takeout IP address and that will not have been yours.

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Yes - The date on the letter says "You" entered into the Loan Agreement on the 13th June 2019 - Thats 6 years ago but not from Date Of Default... Its not SB - But even so... 

If is not your loan then its time to work on this. Have you been registered on the Electoral Role at your address? If so how long? 


 

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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DX is right... Although they will demand you fill out a ID Fraud questionnaire that is 5 questions long on one page - Lemme see if I can find a copy :)

 


 

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**Fko-Filee**

Receptaculum Ignis

 

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18th June 2013...entered into .


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I cant find it but Im sure they will drop you a copy. The questions are ambiguous and heavily weighted in their favour so just keep this in mind - I wouldnt fill it in 

I would get all evidence you can provide to show that you have been mistraced here - I dont think this is ID Fraud - I think BW Legal jumped the gun... 

 

FKO


 

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They would be very silly indeed and land in very hot water with GDPR if they continue with this one, as is not your debt they have no right to process yourdata so do as DX suggests with the letter


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Wouldn't protect BW Legal or PRAC if they did do court, it would damn them. it would give them information you might not want them to have DCAs have doctored files in the past.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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urm fraudulent activity on 'your account' and you are supposed to sign that

no thanks bin.

 

its admittance you 'had' an account...ID fraud is someone using your details typically after you'd moved that were sent to an old address you moved out of..

 

you didn't have an account..


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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