Harassed by Prac Financial Debt Collection? Here's What to Do!

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How to Deal With Prac Financial Debt Collection Effortlessly

Nobody likes getting phone calls from debt collection agencies. It can be intimidating, especially when they start using legal terms such as "court action." If or another agency is calling you, you might not have any idea what to do next; in fact, it might be very tempting to ignore them and hope they will go away. Unfortunately, that doesn't work.

DoNotPay can help you deal with your debt collector more efficiently, whether you wish to have your debt validated, make the debt collector stop contacting you, or file a complaint to a professional trade association. We can provide guidance no matter what debt collection agency it is. Here are a few examples:

Who Is Prac Financial Debt Collection and Why Are They Calling Me?

is a niche debt purchaser. This means they buy debt from creditors, primarily consumer debt in financial services, telecommunications, and energy. This often means things like past due telephone bills.

Prac Financial also works alongside BW Legal, which sometimes sends out their debt letters. BW Legal is a debt lawyer that helps debt collectors and other creditors collect what they are owed, and a letter from them can be particularly scary. If they are calling you, they believe they have purchased the debt you owe and want to collect their money. This is how they run their business, and it is completely legal.

They may also be calling you to check whether you are the person who owes the debt. This can lead to endless phone calls, not to mention texts and email. They will not leave you alone until you either pay up or demonstrate that you don't owe the debt.

However, it's not impossible to work with debt collection companies. While Prac Financial may threaten to take you to court if you don't pay, they can also work with you on a payment plan to pay your debt. It's not in their interest to take you to court if they can simply get you to pay.

Has Prac Financial Violated My Rights?

There have been several cases of severe aggression from debt collectors that have harmfully impacted the mental health of debtors. This has pushed for laws that protect debtors from harassment. Debt collectors in the U.K. are expected to conduct themselves in the following manner:

  1. They cannot discuss your debts with people other than you.
  2. They cannot pressure you to pay, although this one is often violated by, say, casual mentions of courts.
  3. They cannot intentionally confuse you with jargon.
  4. They can only call you at times you have agreed to if you have provided them with contact preferences.
  5. They cannot pretend to be bailiffs (who can enforce the debt by repossessing items).

If they have broken these rules then they have violated your rights and you can report them. You must complain to them first, but if that doesn't work, you can complain to the Financial Ombudsman.

How to Make a Payment to Prac Financial

If the debt is definitely yours and within your ability to pay, then you will need to make your payments, not to Prac Financial, but BW Legal. This might be confusing, but this is because doesn't process its payments.

Paying Through BW Legal

You have two alternatives for paying through BW Legal:

  • You can make a one-time payment through their portal at Payments Legal. Look at the top right of the letter you sent you for the reference number. If your debt is small and you can handle all of it at once.
  • You can make an online account at the Payment portal. You can then manage your debt and make payments through the account.
Phone Number0113 487 0430
EmailSend a message
AddressBW Legal's address is BW Legal, Enterprise House, Apex View,

Leeds LS11 9BH

You can call or email BW Legal through the contacts provided above to talk about what you can afford to pay and potential alternatives. Contacting directly is unlikely to get you any help. They will most likely redirect you to BW Legal.

Get Help With DoNotPay!

If you have been contacted by Prac Financial or BW Legal, it is best that you respond to their contact within two weeks. This will give you the opportunity to clarify if the debt is actually yours or make any workable payment arrangements.

If you are quite unsure what steps you should take, DoNotPay is here to assist. You only need to go through some quick questions so we can work out whether the debt is legitimate and what your best course of action is.

Follow these simple steps to get started:

  1. Search “debt collection” on DoNotPay.

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

You can then relax, trusting that you are taking the right course of action.

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