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PRAC/BW PAPLOC -, Instant Cash Loans Limited

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Hi guys

This week my partner has received a few different letters from different debt companies.

He's received nothing prior to these letters so it's all come a little out of the blue!


The first is from a company called 'Resolvecall' who appear to be collecting the debt on behalf of 'Lantern'.

The original creditor is Sunny & more.


They actually sent someone to our house but we weren't home and they left a calling card.

The letter doesn't contain any further details about the debt but he hasn't had a pay day loan since we have moved into our current house (6 years ago in November). 

The second is 'letter of claim' that he received today from a company bw legal.

Their client is PRAC Financial Limited and it's regarding two pay day loan he took out in November 2013 form Instant Cash Loans Limited. 

This one looks a little more official!

Unfortunately he doesn't deal with this kind of stuff very well and prefers to just bury his head in the sand!

Ideally I want to get as much information together as possible to make this as easy for him as I can, otherwise I know it will get ignored and his problems will worsen.


Obviously this is very concerning for me...

I hate the idea of having people knocking on my door.


This is a lot of money for us right now (I've just started University), so obviously we can't afford to pay out these two large sums!

What are his options and what do we do next?


Please keep it simple because I have very little experience in these matters and don't really understand a lot of it! Thank you in advance for any help received :)



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  • dx100uk changed the title to PRAC/BW PAPLOC -, Instant Cash Loans Limited

please don't post lots of images directly to a post 

read upload

and use ONE multipage PDF file.


use this thread for the PRAC/BW PDL


start a new thread in the MMF/Latern forum for the otherone.


read this and follow the relevant post on how to reply to the letter of claim from BW.


can you also tell us a bit more about the history of this debt

when taken out

last payment defaulted date from his credit file

etc etc




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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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