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CCJ with BW Legal 18/10/2017

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  • CCJ with BW Legal 18/10/2017

    Hi guys received a court letter on the 18/10/17 and need some help what to do next I have done the AOS

    and what i know The account start date is 21/10/2011 and default date on the 01/03/2012 could this possibly be statute barred as I’ve never paid nothing? It is marked as satisfied on the 9/12/2016 on my credit file and has not been assigned to PRAC financial I’ve never received a letter of debt assignment

    thank you all
    Tags: None

  • #2
    Re: CCJ with BW Legal 18/10/2017

    Originally posted by New6466 View Post
    Hi guys received a court letter on the 18/10/17 and need some help what to do next I have done the AOS

    and what i know The account start date is 21/10/2011 and default date on the 01/03/2012 could this possibly be statute barred as I’ve never paid nothing? It is marked as satisfied on the 9/12/2016 on my credit file and has not been assigned to PRAC financial I’ve never received a letter of debt assignment

    thank you all
    Good morning, welcome to LB,

    Please give us some detail of the alleged debt and post a copy of the claim form after removing your name/address/claim number/account numbers. If you need help with this I sure [MENTION=49370]Kati[/MENTION] will be able to help.

    nem

    Comment


    • #3
      Re: CCJ with BW Legal 18/10/2017

      Originally posted by nemesis45 View Post
      Good morning, welcome to LB,

      Please give us some detail of the alleged debt and post a copy of the claim form after removing your name/address/claim number/account numbers. If you need help with this I sure @Kati will be able to help.

      nem
      hi this claim is for a payday loan that was took out on 21/10/2011

      ive attached the letters and forms

      thanks
      Attached Files
      Last edited by New6466; 23rd October 2017, 09:58:AM. Reason: Change the attached picture ta

      Comment


      • #4
        Re: CCJ with BW Legal 18/10/2017

        Did you receive a formal letter before action prior to receiving the court claim?

        It can't be statute barred as it is within 6 years ( since you took out the loan as well as from when you defaulted )

        Not sure why it would be marked as satisfied on your credit file if they sold it on and you'd never paid anythign towards it. It should be due to fall off the file in March 2018 though.
        #staysafestayhome

        Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

        Received a Court Claim? Read >>>>> First Steps

        Comment


        • #5
          Re: CCJ with BW Legal 18/10/2017

          Originally posted by Amethyst View Post
          Did you receive a formal letter before action prior to receiving the court claim?

          It can't be statute barred as it is within 6 years ( since you took out the loan as well as from when you defaulted )

          Not sure why it would be marked as satisfied on your credit file if they sold it on and you'd never paid anythign towards it. It should be due to fall off the file in March 2018 though.

          Hi hi yes I did receive a formal letter I’ll attach credit file

          thanks
          Attached Files

          Comment


          • #6
            Re: CCJ with BW Legal 18/10/2017

            Originally posted by New6466 View Post
            ive attached the letters and forms
            You've left the Claim No on the claim form, and both the claim number and the account number on the BW Legal letter.

            You need to remove those.

            Di

            Comment


            • #7
              Re: CCJ with BW Legal 18/10/2017

              Originally posted by New6466 View Post
              received a court letter on the 18/10/17 and need some help what to do next I have done the AOS
              This forum has a guide for what you need to do once you receive a claim.

              You've filed your AOS so here are the next steps > http://legalbeagles.info/library/gui...y-court-claim/

              Ask any questions if you get stuck.

              Di

              Comment


              • #8
                Re: CCJ with BW Legal 18/10/2017

                [MENTION=6]Amethyst[/MENTION]

                It will be shown as satisfied when Payday UK sold the debt to PRAC therefore the debt with PDUK no longer exists
                [MENTION=108562]New6466[/MENTION] Sadly this doesn't mean the debt doesn't exist- debts can be sold but asa Diana M has said there are processes to follow when a claim is issued

                Process is
                1) Acknowledge the claim online with an intention to defend all
                2) Send a CCA request to PRAC http://legalbeagles.info/library/gui...etter-example/
                3) Send a CPR 31.14 request to BW legal asking for the agreement, the notice of assignment, the deed of assignment and the default notice http://legalbeagles.info/library/gui...-of-documents/

                Comment


                • #9
                  Re: CCJ with BW Legal 18/10/2017

                  Originally posted by warwick65 View Post
                  @Amethyst

                  It will be shown as satisfied when Payday UK sold the debt to PRAC therefore the debt with PDUK no longer exists
                  @New6466 Sadly this doesn't mean the debt doesn't exist- debts can be sold but asa Diana M has said there are processes to follow when a claim is issued

                  Process is
                  1) Acknowledge the claim online with an intention to defend all
                  2) Send a CCA request to PRAC http://legalbeagles.info/library/gui...etter-example/
                  3) Send a CPR 31.14 request to BW legal asking for the agreement, the notice of assignment, the deed of assignment and the default notice http://legalbeagles.info/library/gui...-of-documents/
                  Hi thanks for the reply

                  I have sent the the cca and the cpr 31.14 today with postal order and sent them 1st class recorded.

                  what do I write for my defence?

                  thank you all

                  - - - Updated - - -

                  Thank you for your time all sent today

                  Comment


                  • #10
                    Re: CCJ with BW Legal 18/10/2017

                    The date on the claim is 18th Oct

                    I assume you have acknowledged in which case the defence is not due until 20th November so plenty of time

                    I would wait and see what they come up with

                    Comment


                    • #11
                      Re: CCJ with BW Legal 18/10/2017

                      Yes I’ve acknowledged on the 21/10/2017 so like you said wilnwait out till they respond,
                      thanks for your time to reply ��

                      Comment


                      • #12
                        Re: CCJ with BW Legal 18/10/2017

                        Response or not you must file a defence by the due date.

                        Comment


                        • #13
                          Re: CCJ with BW Legal 18/10/2017

                          Yes will do I’ll post what they respond with

                          thank you

                          Comment


                          • #14
                            Re: CCJ with BW Legal 18/10/2017

                            Hi I’ve had e response from bw legal here is attached docs
                            Attached Files

                            Comment


                            • #15
                              Re: CCJ with BW Legal 18/10/2017

                              Carried on docs
                              Attached Files

                              Comment

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