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Moon phases


PRAC Financial Limited??

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PRAC Financial Limited??

Post by stormy121 on Fri Sep 29, 2017 6:04 pm

Anyone heard of these guys? Got them chasing me for an alleged debt for a payday loan, but i can get two address's for them, however the letter they sent me says to contact them via BW legal who they (PRAC Financial Limited) are telling me they have assigned to collect etc....

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Re: PRAC Financial Limited??

Post by Kestrel on Fri Sep 29, 2017 8:45 pm

You can search the FCA register:
https://register.fca.org.uk/

Enter names & look at their permissions to find out a bit more about these bottom feeders.

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Re: PRAC Financial Limited??

Post by stormy121 on Fri Sep 29, 2017 9:05 pm

Okay, i tried to search found them both but im unsure how to tackle this so....heres the letter!



Last edited by stormy121 on Sat Sep 30, 2017 5:00 pm; edited 2 times in total

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Re: PRAC Financial Limited??

Post by daveiron on Fri Sep 29, 2017 9:24 pm


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Re: PRAC Financial Limited??

Post by discodave4093 on Fri Sep 29, 2017 9:32 pm

Yes I have heard of them. They contacted my wife earlier this year also about a payday loan. I sent the 3 letters and estoppel to both prac and bw legal and haven't heard from them since apart from through a dispute on equifax as this account that apparently dates back to 2013 has all of a sudden been placed on my wife's credit report and defaulted even though it was never there before. Clearly an act of pure spite


Last edited by discodave4093 on Fri Sep 29, 2017 9:35 pm; edited 1 time in total (Reason for editing : Spelling Error)

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Re: PRAC Financial Limited??

Post by 1saberwow on Fri Sep 29, 2017 10:25 pm

Hi stormy121. You need to cover BWL101 on the side of your letter as this can also identify who you are as well.

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Re: PRAC Financial Limited??

Post by stormy121 on Sat Sep 30, 2017 5:01 pm

OKay, done so just out of curiosity, which address should i actually use? im a little lost with this one as there is two, the one that is on PRAC's website and the one that they are telling me to contact on the letter?

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Re: PRAC Financial Limited??

Post by discodave4093 on Sat Sep 30, 2017 5:22 pm

I take it the one on the letter is a PO box address? Don't use a PO box, use an actual business address. The one I have for them is

Prac Financial Limited
F10 Longfields Court
Middlewoods Way,
Wharncliffe Business Park
Carlton, Barnsley S71 3GN

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Re: PRAC Financial Limited??

Post by stormy121 on Sat Sep 30, 2017 5:25 pm

Nope, the address they are telling me to contact is,

BW Legal Services LTD
Enterprise House
Apex View
Leeds
LS11 9BH

This is "their representatives" as PRAC are saying anyway...?

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Re: PRAC Financial Limited??

Post by Tiggy on Sat Sep 30, 2017 6:08 pm

BW Legal are Solicitors.

As it's a Payday Loan another angle to look at this is the Irresponsible Lending, if you had bad credit should they have lent you anything in the first place.

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Re: PRAC Financial Limited??

Post by stormy121 on Sat Sep 30, 2017 6:14 pm

Its not mine XD its actually my sisters, she just happens to suffer with dyslexia so...im helping Smile

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Re: PRAC Financial Limited??

Post by discodave4093 on Sat Sep 30, 2017 11:09 pm

I sent the letters to both prac and bw legal, prac didn't reply at all and all bw legal did was send a laughable looking statement on non letterheaded paper with no name, address account number or anything so needless to say they were told what they could do with it

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Re: PRAC Financial Limited??

Post by man on Sun Oct 01, 2017 10:22 am

The letter seems to be saying that there is an agreement between "you" and a creditor entity of a PO Box, but a PO Box is not a contracting venue so there is no agreement in the first place?

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Re: PRAC Financial Limited??

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