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BW Legal and NovaLoans
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Mr.Wrong
Posts: 90 Forumite
Hi guys haven’t posted in a while.
Since my last post I’ve paid off £15k of debt to payday loans and guarantor loans “yay”
I’m officially clear of them all except one who I have been unwilling to pay in full since their last email.
Here’s the situation...
I borrowed £200 form novaloan in September - a few weeks into September I couldn’t afford to pay and told them straight away. They ignored me and my numerous emails, they kept responding with a generic email about my account being overdue.
In October they recognised my financial difficulty and said they’d accept a larger amount than what I offered and could afford so I denied that amount.
Fast forward to December and they’ve ignored 7 emails from myself with payment plan proposals. Beginning of January they contact me through email and tell me that they’re passing my account to BW legal and that it’s now £345 because of interest and late payment charges.
I said I would pay the loan and interest but not the late payment charges because we had actually agreed that we would set up a payment plan but they never responded to my emails about amounts, bank details... etc.
They kept trying to take payment incurring the late payment charges.
Now it’s with BW Legal who are looking into it,
Where do I stand? I have copies of all emails between us showing them ignoring me but still charging me.
Should I fight it and refuse to pay the late payment charges ??
Thanks
Since my last post I’ve paid off £15k of debt to payday loans and guarantor loans “yay”
I’m officially clear of them all except one who I have been unwilling to pay in full since their last email.
Here’s the situation...
I borrowed £200 form novaloan in September - a few weeks into September I couldn’t afford to pay and told them straight away. They ignored me and my numerous emails, they kept responding with a generic email about my account being overdue.
In October they recognised my financial difficulty and said they’d accept a larger amount than what I offered and could afford so I denied that amount.
Fast forward to December and they’ve ignored 7 emails from myself with payment plan proposals. Beginning of January they contact me through email and tell me that they’re passing my account to BW legal and that it’s now £345 because of interest and late payment charges.
I said I would pay the loan and interest but not the late payment charges because we had actually agreed that we would set up a payment plan but they never responded to my emails about amounts, bank details... etc.
They kept trying to take payment incurring the late payment charges.
Now it’s with BW Legal who are looking into it,
Where do I stand? I have copies of all emails between us showing them ignoring me but still charging me.
Should I fight it and refuse to pay the late payment charges ??
Thanks
0
Comments
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Just replying to bump this - can anyone help?🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0
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