Buchanan,clark and wells trying it on - Can she just ignore 'em?

Pumpkin_Pie_5

Me chum has asked me what to do now - I have given her the best advice I could but I wanted to check with you guys....

In 97 she bought a camera on a store card for £450 - It wasn't the right one so was returned straight away and the card credited..... move quickly forward to June this year

In June 08 she receives threatening letter from BCW demanding the £450. I told her to ignore it or send standard denial letter from here - She does so and they respond by sending her a copy of the credit agreement.

So what, thinks I - It is time barred anyway AND as the camera was returned surely the credit agreement is null and void?

I just want to be sure - Should she now do nothing or should she attempt more communication with BCW? I think do nothing - Make the [STRIKE]!!!!!!!s[/STRIKE] nice gentlemen try and prove it. Am I right?

Thanks guys
PP x

RAS

What was a standard denial letter? A CCA request or a statute barred letter, or..?

Pumpkin_Pie_5

Sorry RAS - I am a silly...
This letter.....

1 High Street,
Newtown,
Kent
R21 4RH
October 9, 2007

The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Account No: 4563210025897412

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

We would point out that we have no knowledge of any such debt being owed to The Loan Company.

We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question.

We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

We look forward to your reply.

Yours faithfully



Mr A N Other

RAS

Pumpkin

She needs to send the statute barred letter, as that is the legislation on which she is relying.

sanbad2008

Hi
If they call you and bother you; you do the same, let them know what its like. call with private or pay phone and ask them for money they owe_party_ or hang up or call them names (the last one is very entertaining)
If these rats want to be rude and cheeky, we teach them manners.
good luck

their numbers

Main Office 01412213535

_pale_Suzanne Clark 0141 221 4567 sclark@bcwgroup.com

Annemarie Proctor 0871 700 1737(40p) aproctor@bcwgroup.com

Richard Fenton 01789 203727 rfenton@bcwgroup.com

Johnny Campbell 0141 221 4567 jocampbell@bcwgroup.com

Scargutt_2

sanbad2008 wrote: »

Hi
If they call you and bother you; you do the same, let them know what its like. call with private or pay phone and ask them for money they owe_party_ or hang up or call them names (the last one is very entertaining)
If these rats want to be rude and cheeky, we teach them manners.
good luck

their numbers

Main Office 01412213535

_pale_Suzanne Clark 0141 221 4567 [EMAIL="sclark@bcwgroup.com"]sclark@bcwgroup.com[/EMAIL]:D

Annemarie Proctor 0871 700 1737(40p) [EMAIL="aproctor@bcwgroup.com"]aproctor@bcwgroup.com[/EMAIL]

Richard Fenton 01789 203727 [EMAIL="rfenton@bcwgroup.com"]rfenton@bcwgroup.com[/EMAIL]

Johnny Campbell 0141 221 4567 [EMAIL="jocampbell@bcwgroup.com"]jocampbell@bcwgroup.com[/EMAIL]

You can do a search at Companies House which doesn't cost a huge amount, or if you prefer your local library will have software licences for programs which enable you to look the info up free.

Companies House store data on all of the Directors, providing names and home addresses, as well as key contacts at the company (IT, HR etc). BCW have listed about 20 additional contacts.

I wonder how aggressive they would be if you revealed you knew all of this info and were considering paying them a visit to discuss face to face?

My guess is they'd soon shut up...

gargrave50

Hi, she needs to send them the statute barred letter, template available on the site if you search

misspoppy

Did your friend receive statements from this store card with outstanding balances on it?