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    • Email,. today from BW Legal    Without Prejudice Save as to Costs 09 April 2020 Dear XXXXXXX Our Client: PRAC Financial Limited Balance Due: £521.65 Hearing Venue: XXXXXXXX Original Creditor: Instant Cash Loans Ltd trading as Payday UK Original Account Number: XXXXXXX Hearing Date: 16 June 2020 We are writing to you because the court has listed our client's claim for a court hearing on 16 June 2020. We understand this is a difficult time for everyone, which is why our client is keen to resolve matters amicably by offering you the opportunity to pay a discounted balance on the sums due. We wanted to let you know that we are available to assist you throughout this time via numerous methods, from our Contact Centre, Webchat and our Customer Portal. We want to ensure that if you are or have been directly or indirectly impacted by COVID-19, that you still get to the best advice and reassurance about how to manage your account with us. Please call us on 0113 468 3021 or speak to us via Webchat so we can assist you at this time, we just need to understand your circumstances in order that we can help. Great News - 35% Discount Offer Our client wants to help with any possible financial burden that you may have and we are able to now offer you a pre-approved discount. This can be paid in one lump sum, or you can pay this over a pre-agreed instalment plan. This offer is open until 09 May 2020. What is even better for you is that you do not need to call us to accept this offer if this is affordable to you. Just log in, or register to use our Customer Portal www.bwlegal.co.uk and select "Customer Login". The pre-approved settlement and plan is ready for you to accept. You need to quote our reference, along with your address details and a couple of other security questions in order to register. Our Customer Portal is very easy to navigate and you can choose various different payment methods and payment dates. You can also use the payment calculator, view your account, statement and talk to us via Webchat if you need assistance. Strictly, without prejudice, the discount available is 35% from your current balance. If you do take advantage of the offer, the revised amount to pay will be £339.07 if paid by 09 May 2020. If you cannot afford to pay the discounted amount in full, do not worry. If affordable for you, you can still take advantage of the offer by repayment plan. We have a pre-approved monthly instalment amount of £20.00. The plan has been recommended to take into account estimated disposable income. We have also made it easy for you to accept the offer without having to call us. If this is affordable to you then simply log onto our Customer Portal and accept to pay the offer by instalments. You will be able to choose the first payment date and payment method. Once the offer has been accepted, we will withdraw the claim and notify the court that the hearing listed on 16 June 2020 does not need to go ahead. If you have filed a counterclaim, you will need to ensure that you inform the court and ourselves, in writing, that you no longer wish to proceed with the counterclaim. Important information about credit reporting When you opt to set up a discounted repayment plan, if our client already reports your account to a credit reference agency then they will continue to report your balance and payment each month. On receipt of your final payment, our client will then mark your agreement as closed with the status "settlement".   Yours sincerely, BW Legal
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bolivar

Bolivar vs RBS

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Hi all,

 

Glad to see so many people getting onto this.

 

I've got a total of about 17 lots of charges to claim back from different banks and cards - some of them for pretty small amounts, but they add up to quite a bit.

 

Started off with the Coop, and now going on to my RBS current account - have just sent a letter off claiming back £350 charges, and I'm also including interest at 19.05%, the authorised overdraft rate, totalling £265.86. I was very unsure whether to include interest, and if so, how much, but having spent may hours perusing the website, decided in the end to go for it.

 

Anyone else have experience of this?

 

Will post again as things develop.

 

Merry Christmas,

 

Bolivar

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Go for it, Bolivar.

 

Good luck with your claim.

 

Regards, Rooster.


If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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Update:

 

Had a letter on 8th February, offering me £320, i.e. they have excluded 2 charges totalling £35.33 without any explanation, and have mentioned nothing at all about the £265 interest I claimed (at their overdraft rate of 19.05%).

 

I wrote back, asking them to explain the omission of the 2 charges, and reiterating my claim for a refund of the interest on these charges.

 

They replied on 19th February, repeating the offer of £320, with still no explanation of the 2 missing charges, and refusing to refund any interest, on the grounds that their offer is a "goodwill gesture".

 

Does anyone have any thoughts on whether I should just accept the offer, or demand an explanation of the £35.33 again, and/or demand the interest again, or just go straight to a small claims proceeding? Has anyone successfully claimed interest from RBS?

 

Thanks in advance for any advice,

 

Bolivar

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Boli,

 

You should follow the process from whatever point you are at now. As they have only offered you a partial settlement, you should send them a partial settlement letter (can be found in the guide in the FAQ forums). Stating that you will be progressing to the next stage. They will come round to your thinking eventually, you just need to continue with your claim in the right way.


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Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Whey hey,

 

Got a letter from RBS today, offering the whole amount of my claim, £616, i.e. including contractual interest at their authorised OD rate. Result! Persistence pays off in the end.

 

How do I move this to the successful claims thingy?

 

Bolivar

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Wow! Result!


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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