I received a CCJ from BW Legal in regards to a loan i had in 2013 with the money shop
The claimant - PRAC financial who apparently owe the debt (notice of assignment provided) bought the debt off Instant cash loans limited trading as the money shop in late 2016.
I requested to get it set aside thinking it was statue barred and having asked BW legal for evidence I never got this until 3 days before my hearing.
I lost my case at the hearing today - on the basis it was not statue barred and failed to keep up payments
However, I have noticed other people have had successful claims against BW legal ?
From the papers i received last week (BW Legal witness statement) all of a sudden my loan agreement in question turned up - attached to it. on the loan it stated my current address - which I didnt live at at the time of the loan and also the agreement as "Instant Cash Loans Limited trading as the money shop".
Was the Money shop trading as ICL at the time? I dont think they were, does anyone know?
Also in the hearing the "judge" had only the witness statement - not the exhibits from it.
It is all easy saying this now but at the time in the court room I suppose i was nervous, i tried to argue the fact that I believe the loan agreement was not legitimate but it was dismissed. I feel extremely disappointed and actually strange why the judge did not have these exhibits.
I would like advise, I accept my original grounds for a CCJ are no longer viable and cannot go on it but reading a different subject on here I believe the agreement has been easily edited....
Would it be worth me appealing and stating my new argument over the fact ICL did not own Money shop at time of the loan in 2013? I believe they were owned as Dollar Financial.
As I say not only am i liable for the CCJ now but I am also liable for BWs costs which are £700.
I also accept maybe I should have looked at this before the hearing but everything has happened quite quickly. What are the odds of me submitting an appeal over questions over the CCJ.
The CCJ states:
The claimants sum of xxxxxxxx being monies due from the defendant to the claimant under a loan agreement regulated by the CCA 1974 between the defendant and ICL T/a the Money shop under account ref xxxxxx to the claimant on 9/12/16 notice of which has been given to the defendant.
......... goes on to say no the CCJ i failed to maintain contractual payment etc
advise would be grateful.
Finally I must say i did not reply to the original claim form this has gone to CCJ in default
The claimant - PRAC financial who apparently owe the debt (notice of assignment provided) bought the debt off Instant cash loans limited trading as the money shop in late 2016.
I requested to get it set aside thinking it was statue barred and having asked BW legal for evidence I never got this until 3 days before my hearing.
I lost my case at the hearing today - on the basis it was not statue barred and failed to keep up payments
However, I have noticed other people have had successful claims against BW legal ?
From the papers i received last week (BW Legal witness statement) all of a sudden my loan agreement in question turned up - attached to it. on the loan it stated my current address - which I didnt live at at the time of the loan and also the agreement as "Instant Cash Loans Limited trading as the money shop".
Was the Money shop trading as ICL at the time? I dont think they were, does anyone know?
Also in the hearing the "judge" had only the witness statement - not the exhibits from it.
It is all easy saying this now but at the time in the court room I suppose i was nervous, i tried to argue the fact that I believe the loan agreement was not legitimate but it was dismissed. I feel extremely disappointed and actually strange why the judge did not have these exhibits.
I would like advise, I accept my original grounds for a CCJ are no longer viable and cannot go on it but reading a different subject on here I believe the agreement has been easily edited....
Would it be worth me appealing and stating my new argument over the fact ICL did not own Money shop at time of the loan in 2013? I believe they were owned as Dollar Financial.
As I say not only am i liable for the CCJ now but I am also liable for BWs costs which are £700.
I also accept maybe I should have looked at this before the hearing but everything has happened quite quickly. What are the odds of me submitting an appeal over questions over the CCJ.
The CCJ states:
The claimants sum of xxxxxxxx being monies due from the defendant to the claimant under a loan agreement regulated by the CCA 1974 between the defendant and ICL T/a the Money shop under account ref xxxxxx to the claimant on 9/12/16 notice of which has been given to the defendant.
......... goes on to say no the CCJ i failed to maintain contractual payment etc
advise would be grateful.
Finally I must say i did not reply to the original claim form this has gone to CCJ in default
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