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Questions about Debt Sold

Why is my account being sold?

The business has made the decision that when accounts reach a certain stage within the Collections journey, they may be sold to a third party company for collection. Going forwards, your account will be owned by PRAC Financial Limited and will be managed by BW Legal

Who are BW Legal?

BW Legal is an award-winning debt recovery law firm.

How do I contact BW Legal?

You can call BW Legal on 01133 234497, you can email them at or alternatively, you can write to them at;

BW Legal, Enterprise House, 1 Apex View, Leeds,  West Yorkshire LS11 9BH

Alternatively you can log on, register and manage your account with BW Legal on this link

What does this mean to me?

This means that your account is no longer owned by Instant Cash Loans Limited. All future contact will need to be directly with BW Legal.

I am in an IVA/Bankrupt/DMC, what happens?

Please send any correspondence to BW Legal, so that they can proceed accordingly.

Do I need to take any further action?

You will need to contact BW Legal who is now dealing with your account, and all future payments will need to be made to them.

Representative Example: £300 borrowed for 3 months. Annual interest rate of 292% (fixed). Total amount repayable is £490.17 in 3 monthly instalments of £163.39. Representative 1190% APR.

Warning: Late repayment can cause you serious money problems. For help, go to

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