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PRAC/BW chasing son's 2011 loan from Money Shop


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MoneyShop - BW Legal
PO Box 8850
Nottingham
NG8 9BW
08003161414
09/08/2010 DOC:Letter from Money Shop 090810
25/08/2010 DOC:Letter from Money Shop 250810
27/08/2010 DOC:Letter from Money Shop 270810
25/10/2010 DOC:Letter from Money Shop 251010
03/12/2010 DOC:Letter from Money Shop 031210    Loan cleared
17/12/2010 DOC:Credit Agreement 171210        New credit agreement
17/12/2010 DOC:Loan receipt 171210        New loan £200
24/01/2011 DOC:Letter from Money Shop 240111    Unpaid loan now £275
01/02/2011 repay £10 DOC:Debt repayment receipt 010211    Repaid £10 outstanding £265
17/02/2011 DOC:Letter from Money Shop 170211    Final notice outstanding £235
17/08/2011 DOC:Letter from Money Shop 170811    Unpaid letter outstanding £125
24/01/2012 repay    £25            
24/01/2012 repay    £250            Last payment on this debt which was paid up


  I can only assume more money was advance to him, but have no recollection
13/03/2012 Letter from Money Shop DOC:Letter from Money Shop 13031    Unpaid letter outstanding £275
16/03/2012 Letter to Money Shop 160312         outlining money problems
19/03/2012 DOC:Letter from Money Shop 190312    Default warning outstanding £275
16/04/2012 Notice of Default sums DOC:Letter from Money Shop 160412    Default added £25 outstanding £300
23/04/2012 DOC:Letter from Money Shop 230412    Default warning outstanding £302.42
27/04/2012 Letter to Money Shop 270412 (recorded)    My full financial breakdown
02/05/2012 DOC:Letter from Money Shop 020512-1    Debt £352.42
02/05/2012 DOC:Letter from Money Shop 020512-2    Debt £352.42
05/10/2012 DOC:Letter from Money Shop 051012    Passed to Red Castle Recovery outstanding £420.75
10/10/2012 DOC:Letter from Red Castle Recoveries 101012        outstanding £420.75
29/10/2012 DOC:Letter to Money Shop 291012            Disputing amount was £275
31/10/2012 DOC:Letter from Red Castle Recoveries 311012        Reply we are inquiring with Money Shop
19/11/2012 DOC:Letter from Red Castle Recoveries 191112        Confirming outstanding £420.75
26/11/2012 DOC:Letter from Red Castle Recoveries 261112
13/12/2012 DOC:Letter from Red Castle Recoveries 131212        Red Castle no longer involved
15/02/2013 DOC:Letter from Credit Resource Solutions 150213    You owe us £420.75 no info on where or why or to whom
13/03/2013 DOC:Letter to Credit Resource Solutions 130313    Inquiring who they are
16/01/2019 Letter from BW Legal 160119  (reckons owe 379.10) DOC:Letter from BW Legal 160119
03/02/2021 Letter sent to home address DOC:Letter from BW legal 030221
02/03/2021 Email from BW Legal to Son's email DOC:Email from BW Legal 020321
08/03/2021 DOC:Letter from BW legal 080321 page1 DOC:Letter from BW legal 080321 page2
22/11/2021 DOC:Letter from BW legal 221121 offer repayment of £113-73 total
    They state "Our client:PRAC Financial Limited"
    Original creditor "Instant Cash Loans Ltd t/a The Money Shop"

Are they legally entitled to get this money from my son ( although it is a relatively small amount his total debts are quite large ) so this is a start

Anything with DOC against it means I have a copy of it

 

Regards

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How old was he?

 

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Last payment date?

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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send them our statute barred letter from the debt collection section of our library.

 

dx

 

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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Share on other sites

  • dx100uk changed the title to PRAC/BW chasing son's 2011 loan from Money Shop
  • 2 weeks later...


In reply to the letter I sent BW Legal on 17th December 2012, My son has received a letter from them which arrived on 24th Dec 2021. Both letters are enclosed here.

 

The letter from them says debt was assigned to their client (PRAC Financial) on 9th Dec 2016 and therefore does not constitute as Statue barred.


On page 5 the letter allegedly sent by BW Legal on 15th Dec 2016 states that Money Shop notified PRAC that he is making payments towards your account and the last recorded payment was £10 on 13th October 2016.

 

Firstly, this letter was not received from BW Legal at the address sent to in Essex. My son had not lived at that address for over 3 years and any letters I received were always returned labelled "NOT AT THIS ADDRESS"


I have checked both my son's and my back accounts and there are no payments to The Money Shop anytime in 2016, in fact none since 2012. Both my and My son's bank accounts show no payments to the Money Shop since 2012 I think one of the 3 companies concerned in this are trying to dishonestly  stopping the Statute Barre applying.

 

 

What do I do now please

Regards
Pat

 

Letter received 241221.pdf Letter to BW legal 171221.docx

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they can't 

ignore them 

 

until/unless they send a letter of claim. do nothing more 

 

dx

 

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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Share on other sites

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