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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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Got a court date, should I switch accounts now?

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I have a court date set for my case against LTSB, and I have a new bank account set up so I can stop giving them my money. Now hopefully they'll settle before the court date, as is the usual trend, so I am wondering if there is anything wrong with switching my current account now (ie. transfer all DDs/SOs over), or will this affect how they deal with my case?

 

Thanks in advance for any help!

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No harm in it all mate. Lloyds aren't normally in the habit of closing accounts but better to be safe than sorry.

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You kinow what you need to provide with regards to your court bundle, yes?


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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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You kinow what you need to provide with regards to your court bundle, yes?

 

Not really, not been keeping up to date with things on here really, what with xmas and a new baby keeping me busy.

 

Has anyone been to court yet? And if so, what will I need?

 

:shock:

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You kinow what you need to provide with regards to your court bundle, yes?

 

Any advice on this would be greatly appreciated, as the court date is just over two weeks away, and don't I need to send the evidence I'll be using within 14 days of the court date?

 

What should I send? Who do I need to send it to? Do I need to fill in a form etc?

 

I've searched the site for a court bundle but can't find it.

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With regards to your evidance, you need everything from the Basic Court Bundle from the templates library, all correspondence between you and Lloyds, your statements or account information, a schedule, the McNamara interview (templates - soundfiles) and edit this to suit your claim and add it to your bundle too - GaryH v Lloyds TSB - WON !! UNCONDITIONALLY !!!!.

 

You need 3 copies of everything. File one at the court, serve one to Lloyds sols and keep one for yourself (this should include the originals).

 

You need to act quickly. Get this all off ASAP and then ring SC&M and ask where their documents are. They should then say that the settlement is in the post.


Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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With regards to your evidance, you need everything from the Basic Court Bundle from the templates library, all correspondence between you and Lloyds, your statements or account information, a schedule, the McNamara interview (templates - soundfiles) and edit this to suit your claim and add it to your bundle too - GaryH v Lloyds TSB - WON !! UNCONDITIONALLY !!!!.

 

You need 3 copies of everything. File one at the court, serve one to Lloyds sols and keep one for yourself (this should include the originals).

 

You need to act quickly. Get this all off ASAP and then ring SC&M and ask where their documents are. They should then say that the settlement is in the post.

 

Many thanks GaryH, I've done that, and I just called SC&M. The woman asked my name, and how she could help, I asked if they'd sent me any documents. She said she didn't know, and they are too busy to look up individual cases. So with the deadline being tomorrow presumably either its in the post, or they aren't bringing any evidence to the table?

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you wont get any ebidence from lloyds and u wont see them in court either as they will settle before then, i wouldnt bother calling scm as they wont give u any info as ur so close, get your court bundle together just incase, but keep checking ur bank to see if the money goes in,

i'm due in court on the 15th, what about u


 

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you wont get any ebidence from lloyds and u wont see them in court either as they will settle before then, i wouldnt bother calling scm as they wont give u any info as ur so close, get your court bundle together just incase, but keep checking ur bank to see if the money goes in,

i'm due in court on the 15th, what about u

Mines a few days after yours, and I don't have anything from them, and I'm not holding my breath either. Its kind of reassuring to hear them say they're too busy to look at individual cases don't you think?

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the people that answer the phone are not lawyers and have very little legal training what so ever so they dont want to put there foot in it i guess so saying they cant find your file or ther to busy is a way to get u off the phone, i called them yesterday chasing up something i hadnt even sent to see what there response would be, called again this morning and she said she'd received in after i had called, ha ha when i told her i hadnt sent it and i didnt like being lied to she put the phone down, lol


 

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the people that answer the phone are not lawyers and have very little legal training what so ever so they dont want to put there foot in it i guess so saying they cant find your file or ther to busy is a way to get u off the phone, i called them yesterday chasing up something i hadnt even sent to see what there response would be, called again this morning and she said she'd received in after i had called, ha ha when i told her i hadnt sent it and i didnt like being lied to she put the phone down, lol

 

It's great when you catch them out isn't it LOL:D


Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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i think it was me laughing that made her put the phoen down


 

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the people that answer the phone are not lawyers and have very little legal training what so ever so they dont want to put there foot in it i guess so saying they cant find your file or ther to busy is a way to get u off the phone, i called them yesterday chasing up something i hadnt even sent to see what there response would be, called again this morning and she said she'd received in after i had called, ha ha when i told her i hadnt sent it and i didnt like being lied to she put the phone down, lol

Well done!! :p

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after the stress theyve caused me over the years i had to have a little laugh :D


 

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I'll join you in that lol:D


Datxman v Lloyds TSB 2006 ** WON** 27/2/2006

With no conditions

Datxman v Capital One 2006

S.A.R - (Subject Access Request) letter sent - July 2006

Non-compliance letter sent - 11/09/2006

enforcement letter sent - 11/09/2006

Statements finally received - 27/09/06

Prelim Letter - sent 28/09/06 - £540

Lowell has bought the debt and I have asked them to wipe it clean due to lack of funds

Datxman v Barclaycard 2006

Won no conditions

 

 

[sIGPIC][/sIGPIC]Time is running out for the banks :)

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