Fraud by payday uk

[Wendy morby]

We received a letter from bw legal saying we them money for a loan we had with payday uk we had 300 put into our account and e days later payday uk took a payment for 389.85 this happened 4 years ago the thing is we never took out the loan and knew nothing of it till we got this letter the bank has confirmed the payment was made to payday uk in full so why are they saying we still owe the money and how did they produce this loan that we nothing about

[paulajayne]

Re: Fraud by payday uk

Reply to BW with a "Debt is denied letter" and for them to refer back to their client. Then contact Payday UK about the alleged debt.

[Wendy morby]

Re: Fraud by payday uk

I have contacted payday uk they saying the account is blocked and won't give me any information. J have also contacted prac who brought the debt of payday uk they also was unable to give me any information I then contacted bw legal who could only try say we owed the money and was unable to state which account it went into. I contacted my bank that confirmed this happened 4 years ago and the payday uk had received the payment owed. But we didn't take out the loan I will send them a copy of my statement to prove this with bank details blacked out but I don't understand how they did this I the first place surely they owe me the interest charged