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Hi,

A few years ago I know I took out a few payday loans.

However, It seems I may or may not have had one with a company called Payday UK.

 

Last year I started getting letters from BW Legal asking for payment

in September last year I sent off a CCA request to see I could shed some light on this debt.

However,.that was the last I heard from BW Legal

 

a couple of months back I got a text from CRS asking payment of exactly the same amount as BW Legal.

I assume it's a parent company of theirs and it's moved desks.

 

They text virtually every day and I have been ignoring them until they suddenly say they have escalated it to their Legal team for review (and their reference number for this account has changed twice now)

 

Last Friday at work I sent them an email stating that I'm still waiting for my CCA request to be actioned from their sister company BW Legal and to stop sending daily messages.

 

It didn't stop them and on Sunday I sent them another email telling them to stop again and demanded the information I requested.

 

Today I actually got an email response.

 

Thank you for your email 

Loan ID:231******

Brand Name:Payday UK

Original Loan Date :23/06/2016

Original Loan Amt: 650

Interest n charges: 354.61

Paid to Date:0

Employer: *******

 

And then asking me to set up a payment plan!

Surely this isn't what I expected from a CCA request

 

Any suggestions on what to do next?

Steve

 

 

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You are absolutely right of course. Site team member @dx100uk will be along pretty shortly I expect and will let you know exactly how to handle it


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block and bounce all texts as spam.

 

had you moved since you took this out or since the CCA request?

 

who are BW's or CRS's stated clients?

 

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, DCA;s would collapse overnight.

 

 

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Yes I had moved since the time that the loan was taken out but the CCA request came from my current address which both BW Legal and CRS have.

 

It says the client is Payday UK

 

I got another text message an hour ago that says this

http://www.mycrs.co.uk/l/?????? It's not too late to stop legal action. Settle the £1004.61 due to Payday UK. Ref EAGPDB??????
 

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BW Legal have nothing to do with CRS. 

CRS have recently launched their own Legal Outfit - CRS Legal but the account will remain with the original holder - Much like PRAC and BW Legals relationship back in the day... *Checks Watch*

 

Im sure that BW Legal wont have farmed this out to CRS. I think it will have been pulled back by the Portfolio Holder and reassigned. 

 

 


 

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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Does this mean I would need to send a new CCA request to CRS?

 

I admit I was under the impression that any debt was sold on to a new collector that they had to let you know lol

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Id let @dx100uk advise.

I believe you can but even so - I dont actually know if PDUK still hold this account to which this would be a bad idea? 

 

The issue here is that PDUK sold a lot of accounts to PRAC Financial (Rather ICL Ltd did) but i think they started doing themselves through CRS recently. 

 

Being in administration - I think they are trying to get as much money as possible to pay Creditors. 


 

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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then it'll go nowhere near court if the owner is still PDUK.

 

why haven't you sent them an IRL complain?

if your credit file was crap when you took this out, they might even owe you money, if you did ever pay anything at the time?

 

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, DCA;s would collapse overnight.

 

 

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To be honest never thought about complaining.

 

So at the minute it's best to ignore the threatening texts from CRS?

 

I notice they only ever send emails and texts . They never call or use royal mail!

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Free and easyway to harass people

Sent a few10,000's out

you are bound to get alot of mugs that give them free money

 

irl complaint time to pduk or the administrators...


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, DCA;s would collapse overnight.

 

 

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Unfortunately no IRL can be done

 

https://www.themoneyshop.com/

 

Read the website. If you are confused then understand that Payday Express, The Money Shop & MEM Consumer Finance (PDUK etc) became Instant Cash Loans Ltd. 

The time to put in a creditor claim etc to have the balance wiped is gone. Realistically all you can do is see what happens with CRS.

Not to scare you but they can be very Litigious - So you might want to get your ducks lined up ready if it happens. 


 

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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I'm assuming as if all they can send as a CCA was what they sent me in the first post that this doesn't constitute a CCA anyway.

So they would come unstuck if they went further as they've not provided the required documentation!

 

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No a CCA Request is a document that legally binds you under the Consumer Credit Act. It should contain all the prescribed terms of the Credit Agreement.

Did the email contain any attachments? 

 

an you post it up minus personal details? Or screenshot it so we can see it in its original context.


 

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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This is the email response I got back

Screenshot_20200428-083914_Gmail.jpg

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Excellent news for me. As I can use that in any defence should CRS be crazy enough to go further:)

 

 

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http://www.mycrs.co.uk/l/FH???? The £1004.61 due to Payday UK is overdue and our Solicitors are due to be instructed. Ref EAGPDB???????
 

Today's text! Early one today.... Shame they totally ignored my request not to carry on texting me until they sent me a CCA request....

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well they can't issue a letter of claim via text/email it must be posted by royal mail.

pers I ensure these interlopers have your correct address...send a new CCA request by royal mail.


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, DCA;s would collapse overnight.

 

 

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Just got this as an email from them...

 

Now I'm confused as to who to send a new CCA too

 

 

Thank you for your email, 

Payments need to be made to CRS, our client still owns this debt.

If you need confirmation of this from our client then please contact them.

Contact will resume until an arrangement is set up by yourself.

Regards,

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CCA request always goes to the owner of a debt

for better understanding see who is listed as that on your credit file.

 

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, DCA;s would collapse overnight.

 

 

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I checked my credit file. And it shows it being to instant cash loans. 

 

So, do I use the address given for Instant Cash Loans as they appear to have all but gone for the CCA?

I could email the idiots at CRS to ask who currently owns this particular debt as well.

 

 

 

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you should not ever be using email.

better to send one more email and state it is not to be used further to CRS.

 

send the CCA to the owners.

 

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, DCA;s would collapse overnight.

 

 

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