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    darkblue
    BCW - What you should know [Insider]
    • #1
    • 11th Mar 08, 1:16 PM
    BCW - What you should know [Insider] 11th Mar 08 at 1:16 PM
    BCW Group PLC - Buchanan Clark and Wells.

    What you should know

    I was an employee with BCW Group, and I would like to, anonymously, share my experiences of them, and hopefully help people who currently have their debt with this company.

    BCW are a debt collection organisation. Some of their clients include: British Gas, Scottish Power, E.On, powergen, etc. Local councils for council tax collection. Most large mobile phone companies.

    I am speaking out as an ex-employee because this company's 'tactics' are appalling.
    The only thing they are concerned with is getting as much money as possible out of you - regardless of your circumstances.

    First of all, BCW have a 'three call' strategy.
    This is as follows.

    You will receive a letter from BCW stating that it is a 'formal/final demand for payment'. You will be urged to contact a premium rate telephone line to make payment.

    The person you are connected with is trained to ONLY EVER accept payment in full the first time you call. Therefore, when you call and say you cannot afford payment in full, they will tell you to go and try and find the money and will give you 48 hours to do so.

    The second call you make, if you say you could not source the money, they will offer you:
    50% payment now and 50% payment next month. Or 50% then 25% then 25%.

    Only on the third phone call will you be offered a monthly payment plan option, up to 12 months.

    BCW make an extra charge (min 2) when paying by credit/debit card over the phone.

    Their call centre is very much a competition-based environment, whereby bonuses are given to 'top collectors'.
    As you can imagine - 'top collectors' are ruthless.

    During my training - I was told to 'take payment at all costs'. Never fob callers off to the client (i.e. british gas) - just make excuses for the charges and take payment.

    We were told to "imply" court action, baliffs, credit blacklisting - as means to make the caller pay.

    We were always told NEVER to tell the caller that they WILL end up in court, etc - however that 'May/Might/Possible' court action,etc was a good tactic.

    If you fail to call BCW and they have your telephone number - they will call you. They can call you every single day if they don't feel that you are trying hard enough to pay or not paying.

    Debt is written off if they cannot trace you/ you can prove you are bankrupt./ you can prove the original client is deceased/ you prove you are on a debt prepayment plan with a recognised authority and obtaining payment from you would be uneconomical to pursue.

    There are non-premium rate telephone numbers to get through to them - please see their website for numbers.

    Please note that at the time I was employed - BCW staff were told to obey all data protection act rules and regulations. Training involved a lot knowing about the regulations in place, and we were tested on them.
    Anyone flaunting the rules was automatically fired - on the spot.

    This is because complaints are costly to their fortune, and they don't tolerate it - at least, in theory.

    If you ask to speak to a line manager - you must be put through or called back as soon as possible.

    If you ask for your telephone number to be removed from their system - they MUST do it, so long as they have an address they can write to you at.

    DB.
Page 2
  • FTW
    Ive had the letter and the three calls and all the bully tactics.

    I am a full time mature student although trying to get it into their thick heads that students cant afford to pay back the amounts they were asking is like trying to draw blood from a stone. Two of the agents said ' you cant live off fresh air' so i replied 'my wife is supporting me (the debt is from before we got together) and untill someone can call back and speak to me with some respect no offer will be made' i then hung up.

    After thinking about the debt i am sure it is an old debt (over 5 or 6 yrs old), i called national debt line and they confirmed what i thought about old debts not being collectable. The rep at national debtline seem to know what BCW are like because she said 'OH THEM' when i said the company name lol. She is now sending me a template letter to send to BCW saying that they have got to prove the debt is within the cut-off point to be lawfully claimed back.
    Originally posted by slimjim666

    You can get the Statute Barred letter on this site as well. But, send it recorded delivery, and never, ever provide such companies with a signature.
  • FTW
    Sorry for bumping an old thread but I need some advice.

    I recieved a call from BCW today, I missed the call but the left a voicemail on my mobile, dont know how thay got it.
    What shall i do, Ring them back? or just ignore them?
    Originally posted by megalogs
    Ignore them. Wait until they write to you.

    EDIT - I've just realised I've contributed two posts to a couple of ancient enquiries. Oops!
  • Fureiya
    I just revive a call fm bcw not only did they call after 7 but the also called from my partner . He recieved the call first, but had missed it by the time he realised it was ringing... So then my phone started ringing I didn't recognise the number but it was a local number! So when I answered the man on the other end asked for my partner I asked who was calling he said bcw and next thing o know they have hung up! What do o do they keep calling me! And I've requested they remove my number but evidently they haven't! Do u know if they look after virgin media debt? As this is the only possible thing it could be? And that was payed direct to virgin ( final balance on a closed account never recieved the final bill as they sent to out old address instead of the new one so we didn't realise we still had 20.77 out standing that was payed 3 months ago the account closed less than 5 months ago)

    Do they have an office in Bradford?
    Any help you cod give would be great

    Thanks
    Fureiya
    Last edited by Fureiya; 15-03-2011 at 8:26 PM.
  • fermi
    Hi

    I recived a call from BCW on Thursday and they left a message asking to call back.
    Originally posted by GlosBoy
    Moved to a new thread.

    ---> http://forums.moneysavingexpert.com/....php?t=3289748
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards, Loans, and Benefits boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com | > New to Forum? Click for Guide <

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Kitty37
    I had a letter from them saying they would send someone around to my house!

    they wanted 4100 off me for a loan that was from 9 years ago which was only 800 and it turns out they can't do a thing as its over 6 years old so sent them a lovely letter saying

    You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

    I would point out that under the Limitation Act 1980 Section 5:

    An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.
    I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that:

    It is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation
    period.

    The last acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act
    I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

    The OFT Debt Collection Guidance states further that:
    Continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970.
    I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed. I look forward to your reply


    hahah so they can jog on !

  • nchary.uk
    Hi,

    Today, I got a final letter from BCW stating that, I owe 25.62 to orange. If is not settled they would recommend clients commence legal proceedings. I used orange monthly rolling contract and I am very well informed them before closing the account and I don't remember anything I owe them.

    Now, please advice what to do ? shall I pay them or ignore the letter.
  • fermi
    I would talk to Orange to see id this if a genuine debt and if so why it occurred.

    BCW do seem to end up with a lot of 'phantom' debts that never did or shouldn't exist, so best to check it out with Orange first.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards, Loans, and Benefits boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com | > New to Forum? Click for Guide <

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • fermi
    hi there what i can do to stop bcw ?

    bcw keep
    Originally posted by qa6dc4
    This would be better in it's own thread so people can more easily help.

    I'll move it into one and be back with a link.

    New thread here ---> http://forums.moneysavingexpert.com/....php?t=3583969
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards, Loans, and Benefits boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com | > New to Forum? Click for Guide <

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • fermi
    I recieved a letter yesterday looking for full payment by the 31st of october I owe 476euro to an electricty supplier. If i ignor them will they just go away they've been ringing me every day I answered once and told them they had the wrong number but they keep ringing so I'm going to change my number. Will they call to my door.
    Originally posted by lyndsaymcgrath
    Same as above.

    Moved to a new thread here: ---> http://forums.moneysavingexpert.com/....php?t=3583977
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards, Loans, and Benefits boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com | > New to Forum? Click for Guide <

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Tailspin1
    What actually is the statute period before a debt should be considered 'written off' please?
    Approximately 10 years ago I lived at a different address and had debts that I simply had no money to be in a position to pay through suffering a long term illness (current). I was forced to move address to a more affordable home. Wrongly, I never left a forwarding address for these debts but they traced me to my new home through the new occupants of my old address. I never acknowledged my new address to any of these companies and have ignored all further correspondence. Suffice to say, they have not established 100% my living at this address by physically witnessing my residence. I incurred these debts from 1996 to 2003 amassing a sum total of around 12k between three companies: MasterCard, Capital One & Nat West - I have absolutely no intentions towards the last company as they amount to scurrilous charges for OD and DD payments. When I asked for a record of statements for the last six years from the bank they sent me both my account records and that of another customer in which I traced back the owner whom was most angry that I could now see in front of me all their financial concerns. I was quite happy to retain this 'error' for use in court should NatWest peruse the matter for debt recovery as evidence that 'Banks don't make mistakes'!
    Anyway, back to the point in question - neither company has ascertained my definite whereabouts since, at best, 2003 and at worst, 1996. I get occasional mail or calls from these companies but have not responded. What is the term for a debt to be valid before it becomes written off under the statute of limitation laws?
    I have not tried to avoid these debts out of malice or irresponsibility but out of fear and ignorance with the additional knowledge that, as I have no income I have no means! The debts incurred were the result of my financial position at the time being vastly different to how it ended up. Prior to the debt I paid off my cards as regular as clockwork but then, through illness, lost my line of work and, as a self employed person with, what I thought was a guaranteed repayment PPI program. When I initially claimed they all said my PPI wasn't valid under 'self-employment' rules and therefore I would not have the monthly amounts repaid under this insurance. I felt cheated and then decided to cheat them by not responding to calls for repayment. They had received the additional PPI payments each month from me but did not even offer to refund this, hence why I asked the NatWest for the statements for 6 years viz Martin Lewis advice.
  • VitaK
    For simple contract debts like credit card, store cards, personal loans and catalogues, the limitation period is 6 years.

    A debt could be statute barred if the creditor have not obtained a CCJ, and you have not acknowledged the debt in writting or by making a part payment in the relevant limitation period. When a debt is statute barred it stays that way permanently.

    Statute Barred does not mean the debt is written off.

    If you start a new tread you might be able to get more responces.
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