I had a payday loan with WDA a few years back just before I split up with my ex wife and ended up sofa surfing for a while. During this time I managed to lose all of my info on my debts, with my WDA loan being one of them. I recieved an email from MMF a few days ago which i will post below. I want to enter into a repayment arrangement with them but was wondering how to find out if there are any naughty charges etc that can be taken off first, as thinking about it, the balance seems alot higher than i expected. Any thoughts or advice would be greatfully recieved... Our Ref: xxxxxxxxxxxx Original Creditor: WageDayAdvance - Debt Assigned to Motormile Finance UK Ltd Original Outstanding Balance: £301.05 Current Outstanding Balance: £262.5 Dear Mr xxxxx xxxxxxxx We write with regard to the recent change in the High Cost Short Term Credit sector, whereby any customers taking out a loan on or after the 2nd January 15 will never need to pay back more than twice (200%) what they have originally borrowed. As a business, we have voluntarily taken the decision to reduce this further and cap the maximum balance to be 175% of what our customers originally borrowed. Your account balance has now been reduced to £262.5 If you wish to discuss this communication or speak to a Customer Service Representative, then please call us on 0113 887 6876. Alternatively, you can arrange a call back or discuss the matter generally by replying to this email. If you are already in an instalment plan, your repayment will remain the same. However, if you wish to repay this account, vary your existing arrangement or discuss a possible settlement, one of our representatives will gladly discuss this with you in order to agree a reasonable and affordable plan that suits your needs. Please note the current balance above relates to the balance as of the date of this electronic advice. Any payments made to this account since this date will not be reflected in this balance. We look forward to hearing from you. Yours sincerely Motormile Finance UK Ltd

Hello everyone, today I recieved a letter from the DWP debt management centre demanding payment for a balance of £200, I contacted them and was told that this was for a crisis loan dating back to the year 2000 from when I wasn't working. I'm pretty sure I paid this off but can't remember as it was so long ago. Can they still chase for this and enforce it given how long ago it was? Any help on this would be greatly appreciated. Kind regards

Ok managed to get the documents filed at court and a copy filed with bw legal. What happens if there isnt any signed credit agreement?

And if my defence is struck out what could happen and would there be no chance of me reclaiming the PPI after judgement?

Thanks for the info guys but its looking like I'm defeated. I received a letter from the court today stating that I have failed to provide witness statements and or copy documents as ordered by the court, I never got such a request. They now want me to file at court and serve on the claimant statements including a witness statement of my own evidence. If I fail to do so by Wednesday my defence will be struck out from the hearing list for that day and the claimant will be entitled to enter judgement on the claim without further order. I have no clue what to do now and I feel I have no time to do anything about this, am absolutely gutted as there are over £1000 in PPI and charges and I will probably now just have to swallow paying the whole lot. I cant get to the court as its miles away and I don't have any money to pay for stays and things to buy me extra time as it says i can apply for a stay or variation of the order. So miffed off feel like giving up.

Hello everyone. I finally got my dsar through the post yesterday, 10 months late but got it nonetheless. My court mediation appointment is on the 24th of this month and my plan of action was to hopefully get the £804 in ppi and a whole load of £12 late payment charges removed and look to paying the balance in instalments. Would this be the right way to go with this? Looking through the dsar i also discovered there is no credit agreement, written or otherwise and the only document with my signature on is a photocopy of my postal order for the dsar request. Any thoughts and advice would be greatly appreciated. Kind regards Jay

Hello everyone Just an update really on this ongoing situation. My case has now been allocated to the small claims track and i have a trial date for the 24th november for mediation. At this stage BW legal still havent been able to provide a signed copy of the credit agreement and even though I sent a SAR request to JDW they still havennt honoured my request and provided me with any information. What can I expect at this hearing? Is there anything that I can do to prepare? All i want from this is to be able to get the balance of £4100 reduced to closer to its original of approx £1000 so that I can start repaying it, the rest is all rip off charges and I really do not want to pay all this. If anyone could take an interest in this thank you in advance, any advice would be gratefully received.

Hello everyone. Was hoping someone may be able to offer some advice on this. Back in Feb this year I received a court summons from the county court applied for by be legal acting on behalf of jd Williams for an old catalogue Debt standing at £4100. I send CPR 31.14 request and a sar to jdw none of which I have received to this day. I entered an holding defence and the case was allocated to the small claims track which I received the paperwork for by means of some sort of questionnaire which I was meant to have had back at the court by the 5th of June. Thing is I missed the deadline due to our family and I being evicted from our home due to the landlady selling up and because of all the stress I forgot all about the claim. I now don't have a clue what to do for the best and really would like to make the best of a bad job sooner rather than later. If anyone could take any interest in this post and advise me I would be ever so grateful. Kindest regards Jay

Hi Again everyone Received some documents from the court again. The case has been allocated to the small claims track now. Not sure whats the best course of action to take and I STILL havent received my SAR request from JDW even though I have written to them twice now reminding them. If anyone can offer any advice I'd be most grateful. Thanks in advance

Hi all, My partner had a run in with a Basiliff from Marstons just over a month ago regarding an unpaid Court fine issued to her in 2011. She had moved away and unfortunately forgot about the fines existance until the Bailiff showed up, Bringing the original £120 fine up to £420. As My partner lives with me and the majority of the goods in the house belong to me our baby and older children, the Bailiff couldnt seize the goods and we are in no financial position to pay the bailiff in full, he said he was referring this back to court. From what I understand the Court can issue an arrest warrant for my partner, and she is under the assumption that she need do nothing until a new date is set for court. Surely she can just ring the Court and pay this outstanding £120 in full to avoid any further action??? Is there anyone out there willing to fill me in on the process please? as i do not fancy her getting arrested and possibly end up in the chokey for a month or 6. Any help would be greatly received. thanks JaY

Hello everyone Just an update really. I got a letter back from the court dated 27th March pretty much stating what you said above uncle B. I contacted BW Legal today and all they said is that they are still awaiting the documents i requested in my cpr 31.14 request. I have checked at the court end and nothing has happened as of yet. I am now chasing JDW as i still have not received my SAR from them (I sent it on 15th Feb!). Hopefully I can get this sorted out

Hi everyone. Received a letter from the courts today acknowledging receipt of my defence. It states as follows: I acknowledge receipt of your defence. A copy is being served on the Claimant (or the Claimant's Solicitors). the Claimant may contact you direct to attempt to resolve any dispute. If the dispute cannot be resolved informally, the claimant will inform the court that he wishes to proceed. The court will then inform you of what will happen. Where he wishes to proceed, the claimant must contact the court within 28 days after receiving a copy of your defence. After that period has elapsed, the claim will be stayed. The only action the claimant can then take will be to apply to a judge for an order lifting the stay. what exactly does this mean? any help would be appreciated thanks in advance Jay

Hi all. Just an update on the situation really. My partner rang the courts who were very rude and unhelpful and refused point blank to have any dealings with it as it is now in the hands of Marston's. She rang national debt line and was told not to let them in when they come back unless they threaten to force entry. We don't have much household items and what we do own belongs to me so I have removed everything that I cannot prove as mine as a precaution in the hope that if the bailiff gets in there won't be enough to levy against and we have been told that if it goes back to court my partner can attend and go over our finances there and maybe even make a payment or arrangement at least. They also said that the bailiffs fees would come off as they woukd be unable to collect the debt. Is this true and does anyone have any last minute advice as they are due back anytime

Hello everyone, Thank you Uncle B for the Advice. I received a letter from the courts dated the 23rd following the letter i sent them making them aware that i had wrote to BW legal with a CPR 15.5. They have filed this and told me to enter my defence so its in now. Just hope I caught it in time. I signed in online and it doesnt say anything about any judgements so hopefully its ok. Thing is I had a bit of a 2nd thought and wanted to admit part of the debt, as this would be the balance i originally owed, its just that the rest of it is made up of charges and ppi and i want to get rid of this first. So i read the guidelines concerning whether to enter admission or defence and it said that if i was to admit part of the claim then i would have to enter a defence first as well as an admission. But now I have completed the defence I cannot submit an admission any longer :/ Is it best that I just left the admission alone and had done as advised by CAG or would it have helped my case further to part defend?

Thank you ever so much tom, i really do appreciate this, been worrying about it all weekend I look forward to your reply:whoo: