CCJ with BW Legal 18/10/2017

[Amethyst]

Re: CCJ with BW Legal 18/10/2017

Well they only just got in before the six years didn't they.

Your defence says "Instant Cash Loans Ltd t/a Payday UK"

but the letter from BW says the lender was MEM and the agreement is MEM Consumer Finance Ltd
The letter posted http://legalbeagles.info/forums/atta...5&d=1509457453 is Instant Cash Loans Ltd t/a Payday UK - as is the claim form, and that text message.

Then the top of the agreement seems to include both MEM and PaydayUK ( any chance you can remove that bit of redacting over the PaydayUK bit ) so JUST your name and address is deleted ( can't read what it says around it )


Hmmm https://www.paydayuk.co.uk/media/293...1-07.02.12.pdf says they are all affiliated companys, but seems the actual legal entity the loan was with is in a bit of a pickle. Companies house wise they all seem to be different legal entities.

No idea if that's worth looking into further, could be me being a bit dense lol it just confuddled me reading back through the thread.

[Amethyst]

Re: CCJ with BW Legal 18/10/2017

[MENTION=48934]Debt Camel[/MENTION]; might know how this bunch all fit together.

[warwick65]

Re: CCJ with BW Legal 18/10/2017

Well from what I see
No proof of assignment
No Default notice
No response to the cca request - the agreement came from bwlegal in response to your cpr31. 14 and not from prac in response to your cca request. Is that right?

[New6466]

Re: CCJ with BW Legal 18/10/2017

Yes bw legal responded to the cca request nothing of PRAC

- - - Updated - - -

Received No emails what so ever regarding terms or copy of agreement

[New6466]

Re: CCJ with BW Legal 18/10/2017

Photo as requested

[New6466]

Re: CCJ with BW Legal 18/10/2017

Sorry the letter you wanted

thank you all

[New6466]

Re: CCJ with BW Legal 18/10/2017

Hi guys merry Xmas.

ji have received these letters and DQ

can someone please advise of what to do with the questionnaire please

thanks

[New6466]

Re: CCJ with BW Legal 18/10/2017

Hi guys just received this email could anyone please help @Warwick @Amethyst [MENTION=48934]Debt Camel[/MENTION]
happy new

[Amethyst]

Re: CCJ with BW Legal 18/10/2017

Morning, apologies your posts have been missed over the holiday period. Should all get back on track now

SO MEdiation - this bit - http://legalbeagles.info/forums/atta...9&d=1515061736 - Far as I can see you still don't have notice of assignment (~ Dec 2016 ) to evidence that PRAC have any rights to claim the debt from you, nor any default notice - only a copy agreement - so you can tick no as there's still more info needed.

There's also the slight weirdness with which company exactly lent the money to you in the first place. Do you know exactly who you took the original loan out with ? Which website / phone number / shop ?


Your defence says "Instant Cash Loans Ltd t/a Payday UK" - the claim says the same but the letter from BW says the lender was MEM and the agreement is MEM Consumer Finance Ltd. The letter posted http://legalbeagles.info/forums/atta...5&d=1509457453 is Instant Cash Loans Ltd t/a Payday UK - as is the claim form, and that text message.

Then the top of the agreement seems to include both MEM and PaydayUK (http://legalbeagles.info/forums/atta...9&d=1513812951 )

Hmmm https://www.paydayuk.co.uk/media/293...1-07.02.12.pdf says they are all affiliated companys, but seems the actual legal entity the loan was with is in a bit of a pickle. Companies house wise they all seem to be different legal entities.

Plus the claim is for Instant Cash Loans t/as PAYDAY UK - and Instant Cash Loans aren't mentioned at all.


is the covered over bit your details ? ( seems odd to be inbetween MEM and Payday UK )

Also LOOK at that APR - even in payday loan world that is completely insane.

@Debt Camel; do you know how MEM and Instant Cash fit together?

[Amethyst]

Re: CCJ with BW Legal 18/10/2017

On their website ( PayDayUK) they've got this

Payday UK are no longer offering new loans through the website; www.paydayuk.co.uk or over the phone. We apologise for any inconvenience this may cause you.

Why is my account being sold?

The business has made the decision that when accounts reach a certain stage within the Collections journey, they may be sold to a third party company for collection. Going forwards, your account will be owned by PRAC Financial Limited and will be managed by BW Legal

Who are BW Legal?

BW Legal is an award-winning debt recovery law firm

How do I contact BW legal?

You can call BW Legal on 01133 234497, you can email them at contact@bwlegal.co.uk or alternatively, you can write to them at;

BW Legal, Enterprise House, 1 Apex View, Leeds, West Yorkshire LS11 9BH

Alternatively you can log on, register and manage your account with BW Legal on this link https://customerportal.bwlegal.co.uk/

What does this mean to me?

This means that your account is no longer owned by Instant Cash Loans Limited. All future contact will need to be directly with BW Legal.

doesn't absolve them of a formal notice of assignment though - but again, no mention of MEM.

In 2012 it looks like PayDayUK were on MEM Consumer Finance's FCA authorisation.

Then there's this - https://www.fca.org.uk/news/news-sto...ustomers-about - which says it was Dollar t/as Payday UK - which scans with this letter http://legalbeagles.info/forums/atta...5&d=1509457453 which says PAyday UKK at top, Dollar on the right, and Instant Cash at the bottom - no MEM mention.

Really you want to know if MEM were actually t/as PaydayUK on the date you took out the loan.

[Debt Camel]

Re: CCJ with BW Legal 18/10/2017

Dollar Financial is the US parent. It was an early big provider of payday loans in the UK, owning the Money Shop and Payday Express brands.

It acquired Month End Money (MEM), who traded as Payday UK, in February 2011.

[Amethyst]

Re: CCJ with BW Legal 18/10/2017

Thanks DC, it's all a bit convuluted isn't it - do you know when Instant Cash Loans came into it ?

So the agreement could be correct as that was in 2012

It acquired Month End Money (MEM), who traded as Payday UK, in February 2011.

[Debt Camel]

Re: CCJ with BW Legal 18/10/2017

Instant Cash Loans Ltd are the UK parent company and have been for a long while.

FWIW I suspect this is a complicated red herring for defending this claim.

[Amethyst]

Re: CCJ with BW Legal 18/10/2017

Possibly, however the particulars of claim are for an agreement between Instant Cash Loans t/as Payday UK, and the agreement and other documents are for MEM t/as Payday UK and so far there are no notices of assignment between the companies or from anyone to PRAC.

[New6466]

Re: CCJ with BW Legal 18/10/2017

Yes that is just my address covered. And the loan was with payday uk.

So do I Not take the mediation?

Thank you for your help