BW Legal letter- help

in Debt-free wannabe
16 replies 1.4K views
Hi,

this is is my first post so I hope I’m in the correct place,
yesterday I received a letter for a pay day loan I got over 6 years ago from BW Legal, on behalf of money shop at the time I was in a bad place financially and got made redundant, to be honest I forgot all about this loan and I’m sure it was for less that 150 pounds that I borrowed. I have moved address since then and this is the first time I’ve had a letter to my new address regarding this, and I’m really worried as I’ve just managed to start building my credit score.
i can’t even find this account on my clear score credit file.
What is the best way to respond. Any advice would be much appreciated. The letter says letter of claim and lots of costs added if I don’t respond by 27th July and threatening to take me to court.

thank you
«1

Replies

  • Willing2LearnWilling2Learn Forumite
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    Hi and welcome to the forum :)

    What does the letter look like?
    Is it a Pre Action Protocol letter?
    Is there a questionnaire attached?

    Does it look like the letter described in the link below?
    https://debtcamel.co.uk/letter-before-claim-ccj/
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • Taz83Taz83 Forumite
    9 Posts
    Hi can I attach a copy of the letter?
  • edited 28 June 2019 at 11:03AM
    sourcratessourcrates Forumite
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    edited 28 June 2019 at 11:03AM
    This needs moving to debt free wannabe, or re-post your question over there OP.


    Click on this link :


    https://forums.moneysavingexpert.com/forumdisplay.php?f=76


    copy and paste your thread onto a new post over there.
    You will get better results on the correct board.
    Ex MSE Board Guide.

    More than a third of IVA`s fail....fact.
    Could A Debt Relief Order help you ?
    Never pay a fee for a Debt Management Plan.
    For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
  • Taz83Taz83 Forumite
    9 Posts
    It says letter of claim,
    Enclosed is a information sheet, the loan is from 31 October 2013,
    There is a reply form and income and expenditure form




    QUOTE=Taz83;discussion/6019088]Hi,

    this is is my first post so I hope I’m in the correct place,
    yesterday I received a letter for a pay day loan I got over 6 years ago from BW Legal, on behalf of money shop at the time I was in a bad place financially and got made redundant, to be honest I forgot all about this loan and I’m sure it was for less that 150 pounds that I borrowed. I have moved address since then and this is the first time I’ve had a letter to my new address regarding this, and I’m really worried as I’ve just managed to start building my credit score.
    i can’t even find this account on my clear score credit file.
    What is the best way to respond. Any advice would be much appreciated. The letter says letter of claim and lots of costs added if I don’t respond by 27th July and threatening to take me to court.

    thank you[/QUOTE]
  • edited 28 June 2019 at 11:07AM
    Willing2LearnWilling2Learn Forumite
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    edited 28 June 2019 at 11:07AM
    You have 30 days to respond to stop a CCJ judgement against you.

    You can choose whether to pay in full, pay by instalments or to set out your defence. But you MUST respond within 30 days.

    Read the article in detail that I linked to in my last post.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • Taz83Taz83 Forumite
    9 Posts
    Hi,

    this is is my first post so I hope I’m in the correct place,
    yesterday I received a letter for a pay day loan I got over 6 years ago from BW Legal, on behalf of money shop at the time I was in a bad place financially and got made redundant, to be honest I forgot all about this loan and I’m sure it was for less that 150 pounds that I borrowed. The said loan was took out on 31 October 2013! Ihave moved address since then and this is the first time I’ve had a letter to my new address regarding this, and I’m really worried as I’ve just managed to start building my credit score.
    i can’t even find this account on my clear score credit file.
    What is the best way to respond. Any advice would be much appreciated. The letter says letter of claim and lots of costs added if I don’t respond by 27th July and threatening to take me to court.
    The letter says it’s a letter of claim,
    There’s a information sheet,
    Reply letter and income and expenditure form included
    thank you
  • sourcratessourcrates Forumite
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    Continued on Debt Free Wannabe.
    Ex MSE Board Guide.

    More than a third of IVA`s fail....fact.
    Could A Debt Relief Order help you ?
    Never pay a fee for a Debt Management Plan.
    For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
  • Willing2LearnWilling2Learn Forumite
    6.3K Posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite
    It is a Pre Action Protocol letter notifying you of their intention to seek a CCJ judgement against you.

    You have 30 days to respond to stop a CCJ judgement against you.

    You can choose whether to pay in full, pay by instalments or to set out your defence. But you MUST respond within 30 days.

    Read the article in detail that I linked to in my last post (in the other thread).
    https://debtcamel.co.uk/letter-before-claim-ccj/
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • Taz83Taz83 Forumite
    9 Posts
    Thank you for your reply
  • edited 28 June 2019 at 4:04PM
    sourcratessourcrates Forumite
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    edited 28 June 2019 at 4:04PM
    Ok,

    Right forum now, this is a letter of claim as confirmed by willing to learn.

    You must follow the instructions on the questionaire, you only have 30 days to submit your responce.

    You cannot use statute barred as a defence unfortunatly, as its been less than 6 years since it would have defaulted.
    Ex MSE Board Guide.

    More than a third of IVA`s fail....fact.
    Could A Debt Relief Order help you ?
    Never pay a fee for a Debt Management Plan.
    For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
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