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PRAC/BW old 118118 PDL - Letter of Claim and 30day breathing space.

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Dear all,

I am hoping that I can get some advice about a situation with bwlegal.


In November I received a letter from them which was a letter of claim stating that they were planning to take court action for a loan amount of just under £5000. This was a loan initially from 118 118 Money and was sold on to PRAC Financial.


I replied to this Letter of Claim stating that I was seeking financial advice and also that I was challenging the debt under the ‘affordability’ counter.


This is based on the fact that 118 118 Money did make several offers to top up the original loan and due to my financial situation at the time I went with it.


I also completed the section asking for relevant information to be sent to me including written contract of the debt, statement of account etc.


I received two replies on following days and have uploaded these.


The first reply also included a copy of letter from 118 118 Money that says PRAC Financial had purchased the debt, a copy of a letter from PRAC Financial confirming that they had acquired the debt and a copy of a letter from bwlegal stating that they were acting on behalf of PRAC Financial as recovery agents for the debt.


The second letter is more confusing in that it says they have given 30 days to allow time to provide sufficient information but no guidance as regards what information, I can only assume they mean how I am getting on with debt advice and challenging 118 118 Money as regards affordability. It also says its with reference to our recent telephone conversation which is entirely in accurate.


They have not provided all the details requested such as contract, loan information, interest ect.


My basic question is where do I go from here?

Do they only have to offer one 30day hold or should it restart if I ask for further information?


Any advice greatly welcomed.

bwlegal2.pdf bwlegal1.pdf

Edited by dx100uk
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  • dx100uk changed the title to PRAC/BW old 118118 PDL - Letter of Claim and 30day breathing space.

Retitled and moved to pdl general forum.


You IRL complaint should goto 118118.


there are numerous prac/bw 118118 threads here follow those.


PRac/bw must give  give 30 days from your reply.


yours is not the next move re prac/bw, get that irl running to 118118



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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