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PRAC/BW PAP Letter - Instant Cash Lones LTD t/a Pay Day Express debt - ID Theft?


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Who is the client? PRAC Financial maybe? 

Did they have your address before you updated your DOB with them. 

 

So this is potentially ID Fraud then? 

Raise a formal complaint with them and also raise with the ICO - That should hopefully stop legal action temporarily. 

Did you get a Letter Of Claim?

 

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  • dx100uk changed the title to PRAC/BW PAP Letter - Instant Cash Lones LTD t/a Pay Day Express debt - ID Theft?

Right well then - This could be interesting. 

Are you 100% sure you didnt have a loan with PDE? 

 

What date was the loan from? Can you prove your residence for the last 6 years et - If so this will prove a mistrace and you maybe entitled to damages as BW Legal will have messed up 

(Don't worry - They do so quite often as I know 1st hand)

 

File up the Letter Of Claim minus personal deets :)

 

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Right okay - Speak to BW Again

 

Ask them to confirm the bank details that it was paid into - Surely now that they have the correct "Information" for Data Protection - They will beable to provide you that information. 

Keep the call short - Only ask them for the information once you have passed DPA... 

 

Then we need to respond to your PAP LOC - Which we can help with. 

 

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Yes - The date on the letter says "You" entered into the Loan Agreement on the 13th June 2019 - Thats 6 years ago but not from Date Of Default... Its not SB - But even so... 

If is not your loan then its time to work on this. Have you been registered on the Electoral Role at your address? If so how long? 

 

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DX is right... Although they will demand you fill out a ID Fraud questionnaire that is 5 questions long on one page - Lemme see if I can find a copy :)

 

 

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I cant find it but Im sure they will drop you a copy. The questions are ambiguous and heavily weighted in their favour so just keep this in mind - I wouldnt fill it in 

I would get all evidence you can provide to show that you have been mistraced here - I dont think this is ID Fraud - I think BW Legal jumped the gun... 

 

FKO

 

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Raise a formal complaint... Get a deadlock letter... Refer to FOS and ICO... 

 

Compo inbound because they were prepared to take you to court over a mis trace... This could all have gone seriously wrong... 

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Wouldn't it just be sweet justice if they had to pay compo to you for the mistrace / DPA issues... Then couldn't take another individual to court in time and it was Stat Barred by the time they had lined their ducks up... 

 

No further comment need be made... 

If you want me to help you draft something... Please do let me know 

 

 

 

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