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BW Legal and Prac (PaydayUK) Debt letter received for settled debt. Advice needed?
goodnt
Posts: 3 Newbie
So this Morning I got a letter from BW Legal on behalf of Prac claiming I owe 3 separate Payday loans. 2 of these loans are for Payday Uk and a 3rd for The Money Shop.
The first is, Payday UK outstanding balance of £487.53 from 1st Dec 2012 this shows as satisfied on my credit report.
The second is, Payday UK outstanding balance of £275.65 from 11th Mar 2013 this also shows as satisfied on my credit report. I also don't remember taking this out.
The third is for The MoneyShop outstanding balance of £389.87 from 14 Jul 2014 this does not show on my credit report but the money shop sent me a letter a few years back and refunded me £100. I did not reach out to them they did this of there own back.
I honestly thought my payday loan debt was behind me but now this any advice on what my next course of action should be?
This is all I need a week before Christmas.
The first is, Payday UK outstanding balance of £487.53 from 1st Dec 2012 this shows as satisfied on my credit report.
The second is, Payday UK outstanding balance of £275.65 from 11th Mar 2013 this also shows as satisfied on my credit report. I also don't remember taking this out.
The third is for The MoneyShop outstanding balance of £389.87 from 14 Jul 2014 this does not show on my credit report but the money shop sent me a letter a few years back and refunded me £100. I did not reach out to them they did this of there own back.
I honestly thought my payday loan debt was behind me but now this any advice on what my next course of action should be?
This is all I need a week before Christmas.
0
Comments
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Hi,
Were the letters just common a garden computer generated collection clones ?
Nothing that mentioned court, or pre-action ?
If that's the case, just send the "provit" letter to them, include all 3 reference numbers, that should keep them busy till way into the new year, see what they come back to you with.
Letter here :
https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letterI’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thanks, Should I send 3 separate letters for each Debt? Or should I just all 3 account numbers on one letter?0
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