The SaltnVinegar UE Diary

[Pixie]

Re: The SaltnVinegar UE Diary

Thanks Pixie

Its going to be interesting to see how this one plays out knowing BW Legal and how they operate.

Yes, I agree SnV.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Good luck SnV.

Thanks Pixie

Its going to be interesting to see how this one plays out knowing BW Legal and how they operate.

[Pixie]

Re: The SaltnVinegar UE Diary

Good luck SnV.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well this is an interesting development. After hearing nothing for over 4 years all of a sudden I get a NoA from Payday UK that the account has been sold to PRAC Financial.

In the same envelope is a letter of introduction from PRAC Financial, and then a NoA that they have appointed BW Legal Services as their representatives.

In the same envelope is a further letter from BW Legal Services that they are representing PRAC Financial and all communication should be to them.

They've offered a 10% discount, and given me 28 days to pay the balance. Thats nice of them.

I've not come across PRAC Financial before, but BW Legal I have, and I know that they are very trigger happy in issuing bulk court claims. This is a very interesting and concerning development in the payday loan world as it looks like a company known for its aggressive tactics have been bulk buying from the Payday Loan market.

Well I'll be starting this one off by disputing the debt, and see what they send back.

Payday UK:

• Type of account - Payday Loan
  
  
• Date commenced - Late 2009/Early 2010 (not sure exactly)
  
  
• Approx balance - Approx £450
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Defaulted but no DN received. CRA records show 6 months late payment markers.
  
  
• Account owner - Payday UK
  

18/12/2014 - CRA (Noddle) - Payday UK have removed the credit entry on my credit file
23/1/2017 - NoA from PDUK to PRAC Financial/BW Legal

[snowy]

Re: The SaltnVinegar UE Diary

Good luck - BTW i have sent you a PM the other day Saltnvinegar.

[Pixie]

Re: The SaltnVinegar UE Diary

I agree with marypoppins. The last few weeks before SB can be more stressful than the start of the journey as you don't want it all taken from you when you're so close to the finishing line. Just hang on in there SnV and keep them chasing their tails.

[nanna58]

Re: The SaltnVinegar UE Diary

Hold tight ( I know you will) not long great new year xxx

[marypoppins]

Re: The SaltnVinegar UE Diary

Thanks everyone - hopefully I can keep them occupied chasing their tails for a few more weeks and it'll go SB without them noticing........

I think it's more stressful in the last few weeks of getting to SB than when you start out on this journey but I'm sure you'll be fine SNV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Thanks everyone - hopefully I can keep them occupied chasing their tails for a few more weeks and it'll go SB without them noticing........

[greymatter]

Re: The SaltnVinegar UE Diary

All the best with this SnV

[nightwatch]

Re: The SaltnVinegar UE Diary

best of luck on the SB front S&V xxx

[Still Waving]

Re: The SaltnVinegar UE Diary

Good luck with this one SnV.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi All

Not much to report, been a quiet start to the year so far

Only had one letter from Robinson Way asking me to call them and confirm my address. Even on the evidence they have supplied with their own faulty paperwork this only has a few more weeks to go before it is Statute Barred, so I suspect they are either trying to trip me up by getting me to call them and admit liability of the account, or alternatively they're looking to confirm my address as they will be issuing a claim (and good luck to them if they do that as there would be so much wrong with it they're not likely to stand a chance).

Still whichever, its going to be a tense few weeks waiting for this to get over the finishing line.

SnV

[nanna58]

Re: The SaltnVinegar UE Diary

Nice of them to write though SNV x

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi Everyone

Well Robinson Way have finally got back to me with a reconstituted credit agreement! Unfortunately for them its the same as the one they sent me back in 2014:

Two credit agreements, one with correct name and address, but only one pager of t&c's, the other with correct name and wrong address, and a bunch of t&c's that don't relate to either agreement.

They have also sent me a bunch of statements that also have correct name but wrong address. Statements show a payment made in Feb 2011, but as it shows the wrong address who knows who that relates to!

Rob Way have given me 30 days to make a payment proposal (as according to them they have fulfilled their obligations). Thats nice of them, I won't respond until day 29 as that way its getting close to SB even on the basis of their own flawed paperwork!