Prac/bw stayed Court Claim - Instant Cash Loans PDL

[arianna22]

after the recent payouts of pennies paid back to us from payday loans

I.ve been getting . Bw legal on my back.

 

Now the debt is over 6yrs old I.ve showed them that. But they saying its not. I was actually owed over £500 I got £23 off them.  But bw legal are saying I received £89 lol. 

 

Well anyway they now sent me this which I copied from email.

They added court costs on because they were taking me to court but didn't do it , they might of filed it but didn't get no papers or anything and even said I.ve no ccj or anything either ,

 

all they saying it was sent buy its not been dealt with and I do believe they pulled out and stopped it, I.ve asked for the court numbers to check which they haven't provided.

 

 I.m confused now.

Sorry if it dont make sense

I.ve asd and trying to get my head around this.

 

Good Morning

 

Thank you for your recent email, the contents of which we note.

 

We confirm that there is no County Court Judgment ‘CCJ’ on this account.

 

Claim was sent and that is why the account is not Statute Barred.

As stated previously, to resolve the matter our client is willing to discount the amount owed to £91.10 to clear the balance and settle the matter, once paid your account will be closed balance no longer be pursued.

Please confirm if you would like to accept this offer.

We confirm in order to set up your repayment plan please confirm the following:

 

•             Payment Amount;

•             Payment Frequency e.g. Weekly/Fortnightly/4 Weekly/Monthly;

•             Payment Date;

•             Payment Method e.g. Direct Debit/Cash/Standing Order.

 

Should you wish to set up a Direct Debit please confirm the following:

 

•             Name of Account Holder(s);

•             Account Number;

•             Sort Code.

 

Should you have any queries please contact our office on 0113 487 0434, or alternatively sign in or register on our Online Customer Portal at www.bwlegal.co.uk.

 

Kind Regards,

 

bwlegal

[dx100uk]

can you put all your comms in/out into ONE mass PDF please and upload it.

 

dx

 

[arianna22]

I have no clue how to do that on my phone sorry.

[dx100uk]

read upload carefully

as you've done above with one of them

simply do it with all of them

then goto one of the websites listed in upload and merge/convert them all to one PDF 

dx

 

[arianna22]

The one above was already like that as that's what they sent me ,I looked at uploads and to me it's like having to read chinese writing. I honestly can not work out what it all means. I.m crap with computers and basic things on my phone thats it sorry. I can copy and paste but that's my limit. 

[arianna22]

This is from 6 days ago

 

Good Afternoon

 

Thank you for your recent email, the contents of which have been noted on file.

 

We apologise for the previous correspondence, please disregard it’s contents, feedback has been provided to the agent in question.

 

Please note that on 29 November 2012 you entered angreement for the sum of £200.00 with £58.00 interest, please be aware that the Scheme of Arrangement is calculating redress in regards to the interest charged on accounts opened with Instant Cash Loans.

 

We confirm that you repaid £80.87 to the agreement thereby the balance still remains due and owing as the law of limitation does not extinguish or remove the balance of the sum borrowed. As a Court Judgment was claim was serviced to you on 1 August 2018 for non-payment of the balance we confirm that this account is not statute barred.

 

We also confirm that to the support your outcome in the Scheme of Arrangement our client has deleted their credit entry on your credit report, depending on which credit reference agency you use this can take up to 60 days to show.

 

Please be aware that compensation will be awarded to you in the form of a dividend based on how you were treated at the time you were a customer of Instant Cash Loans, as the account was subsequently sold to PRAC Financial Limited this is a separate matter, as you are still liable for the agreement entered.

 

However, to resolve the matter our client is willing to discount the amount owed to £91.10 to clear the balance and settle the matter, once paid your account will be closed balance no longer be pursued. Should you wish to set up an arrangement for this reduced amount please contact us.

 

Should you have any queries please contact our office on 0113 487 0434, or alternatively sign in or register on our Online Customer Portal at www.bwlegal.co.uk.

 

Kind Regards,

 

bwlegal

 

Email: prac@bwlegal.co.uk

[dx100uk]

well you'll have to spend all day using copy and past then...

 

atleast tell use WHO the OC was and the history of this debt etc

 

we can't possibly be able to help when the info you put up so far is devoid of anything meaningful for us to digest and respond too.

 

you appear to manage to communicate with BW easily enough (and p'haps pointlessly entering into letter tennis) but can't do it with us...

 

dx

 

[arianna22]

24th June received this out of the blue.   Our Client: PRAC Financial Limited

Original Creditor: Instant Cash Loans Ltd t/a Payday Express

Original Agreement Number: 11128109

Our Reference Number: T0216301

Balance Due: £202.45

Instant Cash Loans Ltd – in liquidation ("ICL") have advised our client PRAC Financial Ltd ("PRAC") that they have recently written to you regarding your claim in their Scheme of Arrangement. PRAC were informed by ICL that claim reference A4V3-KH9F, relating to loan reference 11128109 was assessed for irresponsible lending and the claim has been upheld or partially upheld and you will receive your dividend for the interest redress for this loan of £83.48 shortly. However, our client would also like to assist you with this matter further and has reduced your current balance outstanding by the redress amount of £83.48. Discount offer Our client would also like to take the opportunity to assist you in trying to resolve the account by offering you a discount against the new current balance. Strictly without prejudice, we are delighted to advise you that we have agreed a pre-approved discount of 55%. This offer is open until 20 August 2021. If you do take advantage of the offer the revised amount to pay will be £91.10. If you cannot afford to pay the discounted amount in full before 20 August 2021 don't worry. If affordable for you, you can still take advantage of the offer via a payment plan. We have prepre-approved a monthly instalment amount of £15.00 which has been recommended considering estimated disposable income. Even better for you is that you do not need to call us to accept this offer if it is affordable. Just log in or register to use our Customer Portal at www.bwlegal.co.uk and select "Customer Login". The pre-approved settlement and plan is ready for you to accept. Either call us on 0113 487 0430 to accept the offer and we can set up the plan for you, or simply log onto our customer portal by 20 August 2021 and accept to pay the offer by instalments; just set your first instalment date and payment method. If this loan is currently being reported to Equifax, our client has also confirmed that the bureau history of this loan will be deleted in their July submission to further assist you. The above offer is available until 20 August 2021, after which time the new reduced balance of £202.45 will be due in full and your case will continue to be dealt with in our normal collections activity.

Yours sincerely,

BW Legal

[dx100uk]

right thats better.

 

ignore them

a payment by  Instant Cash Loans. does not reset the SB date,

neither does their issuance of a claim that probably never happened?

 

just ignore them !!

 

as i thought, pointlessly entered into letter tennis with them... falling for their scam.

 

 

 

 

 

 

[arianna22]

Recived 29th June sorry its all over the place it was the only way I knew what to do. I.ve asked them for proof of court order and the case numbers as they not giving them to me. 

 

Good Afternoon

 

Thank you for your recent email, the contents of which have been noted on file.

 

We have investigated your claim and can confirm your loan open date was the 9 December 2016 and a claim was issued on 27 July 2018, therefore we can confirm your Account is Not Statute Barred and the balance remains due and owing.

 

Should you have any queries please contact our office on 0113 487 0434, or alternatively sign in or register on our Online Customer Portal at www.bwlegal.co.uk.

Show quoted text

[arianna22]

Just now, dx100uk said:

right thats better.

 

ignore them

a payment by  Instant Cash Loans. does not reset the SB date,

neither does their issuance of a claim that probably never happened?

 

just ignore them !!

 

as i thought, pointlessly entered into letter tennis with them... falling for their scam.

 

have 

 

 

 

 

Ok thank you I.ll block their emails now or just ignore them from now on and thank you again.

[dx100uk]

post up everything in/out and i'll merge the whole lot for you latter.

 

have they sent any proof of this supposed stayed court claim?

did you ever respond to it or even know about it?

i can't saee a thread here?

 

dx

 

[arianna22]

They wrote to me in 2018 and I emailed them back to carry on I.ll fight It in court. I.m sure we had the court papers and I sent in in defence and when I checked it last in 2018, nothing happened it was as if they wasn't defending themselves and just let it go. Never received a court letter after and gathered it was closed then. They confirmed in that email that no ccj had been done aswell. I.ll see what other emails I have now.

[dx100uk]

do you still have the claimform with the MCOL login details?

go check the status of the claim?

[arianna22]

31 july 2018 received this . I responded to the claim and defended it , I also sar them for everything . Then nothing happened after the defence.

 

As you are aware, we represent our client: PRAC Financial Limited

We have now issued legal proceedings in the form of a County Court Claim on 27 July 2018 under claim number ..... which you will shortly receive directly from Northampton County Court (County Court Bulk Centre) as you have failed to make repayments on your above account.

The amount of the County Court Claim is summarised below:

	Principal Debt	£187.13
	Interest	£23.80
	Court Fees	£25.00
	Solicitors Costs	£50.00
	Outstanding Balance To Pay Now	£285.93

What You Need To Do Now

Call Us Today

Call us immediately on 0113 323 4497 and one of one of our helpful agents can set up an affordable payment arrangement for you.

Email Us Today

Email us today at contact@bwlegal.co.uk and we can look to set up an affordable payment arrangement for you.

When contacting us by email please state the following:

our reference "....." and your full name; and date of birth; and address including postcode; and contact number; and how we can help; or provide details of any questions/queries

Make A Payment Online Today

Make a payment online today at payments.bwlegal.co.uk. Any payments made will be allocated to your account within 48 hours.

We can also accept payment by a variety of methods which are specified in the attached document. Direct Debit and recurring card payment are the most popular choices as you only need to tell us your preferred date for payment and the payment will be taken automatically each month so you do not have to worry about it.

If you do not contact us or reply to the County Court Claim before 16 August 2018 , we may enter a County Court Judgment ("CCJ") against you. If a CCJ is entered against you, it will remain on your credit file for six years and you may have difficulty obtaining further credit.

Yours sincerely,

BW Legal

[arianna22]

31 july 2018 received this . I responded to the claim and defended it , I also sar them for everything . Then nothing happened after the defence.

 

As you are aware, we represent our client: PRAC Financial Limited

We have now issued legal proceedings in the form of a County Court Claim on 27 July 2018 under claim number E1DP5G8Z which you will shortly receive directly from Northampton County Court (County Court Bulk Centre) as you have failed to make repayments on your above account.

The amount of the County Court Claim is summarised below:

	Principal Debt	£187.13
	Interest	£23.80
	Court Fees	£25.00
	Solicitors Costs	£50.00
	Outstanding Balance To Pay Now	£285.93

What You Need To Do Now

Call Us Today

Call us immediately on 0113 323 4497 and one of one of our helpful agents can set up an affordable payment arrangement for you.

Email Us Today

Email us today at contact@bwlegal.co.uk and we can look to set up an affordable payment arrangement for you.

When contacting us by email please state the following:

our reference "T0216301" and your full name; and date of birth; and address including postcode; and contact number; and how we can help; or provide details of any questions/queries

Make A Payment Online Today

Make a payment online today at payments.bwlegal.co.uk. Any payments made will be allocated to your account within 48 hours.

We can also accept payment by a variety of methods which are specified in the attached document. Direct Debit and recurring card payment are the most popular choices as you only need to tell us your preferred date for payment and the payment will be taken automatically each month so you do not have to worry about it.

If you do not contact us or reply to the County Court Claim before 16 August 2018 , we may enter a County Court Judgment ("CCJ") against you. If a CCJ is entered against you, it will remain on your credit file for six years and you may have difficulty obtaining further credit.

Yours sincerely,

BW Legal

[arianna22]

Nope I.ve looked everywhere i think I threw it out when we had a clear out last yr .

When I.ve 5 I'll try and have another look.

But this baby of mine doesn't let me have 2 minutes peace.

[dx100uk]

well you put up the claim  number earlier i removed it

 

so simply go login to MCOL

it should show in your portal already as you obv filed the defence by MCOL?

 

 

[arianna22]

I have tried and I.ve got the paper work now and it won't allow me says password or claim number is wrong.

[dx100uk]

Give nortants bulk a ring tomorrow and ask status of the claim..i bet its stayed...well obv should be if you filed a defence.

Dx