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Charlie1986

CCCS_Sue wrote: »

I would recommend that you just write them a letter that states, until they can provide proof that they own or are able to collect the debt then the account is in dispute. According to the debt collection guidelines they will be unable to take any action against you whilst the account is disputed.

Hi Sue, I have recieved this reply from BCW after sending the email yesterday;

"I write in reply to your attached email regarding account number *******.

In regards to your request for a 'Notice of Assignment', BCW Group plc are not obliged to issue you with this due to the fact that we have not purchased, and therefore, do not own the debt in question.

Please see attached a copy of BCW Group plc complains procedure as requested, I can confirm that I have logged your complaint with our Quality Assurance team but as the basis of your dispute lies in the notice of assignment not being provided this complaint will be deemed as resolved.

Please do not hesitate to contact our offices on 0844 571 4064 in order to further discuss this account.

Kind regards,"

Do you have any advise as to what to do now, i'm very confused.

CCCS_Sue

Charlie1986 wrote: »

Hi Sue, I have recieved this reply from BCW after sending the email yesterday;

"I write in reply to your attached email regarding account number *******.

In regards to your request for a 'Notice of Assignment', BCW Group plc are not obliged to issue you with this due to the fact that we have not purchased, and therefore, do not own the debt in question.

Please see attached a copy of BCW Group plc complains procedure as requested, I can confirm that I have logged your complaint with our Quality Assurance team but as the basis of your dispute lies in the notice of assignment not being provided this complaint will be deemed as resolved.

Please do not hesitate to contact our offices on 0844 571 4064 in order to further discuss this account.

Kind regards,"

Do you have any advise as to what to do now, i'm very confused.

Hi Charlie

If they have not bought the debt, then they could be collecting the debt on behalf of O2.

I have attached a link to the OFT Debt collection guidelines which states that it is unfair practice not to inform the debtor when a debt has been passed on to a different debt collector. Page 5, 2.6(e).
It is also unfair practice not to cease collections whilst investigating a queried or disputed debt. Page 6, 2.8(k)
click here

You could email back and say something along the lines of:-
You have mentioned in previous emails that you have not bought the debt, so if you are collecting this debt on behalf of O2 please provide me with proof that this is the case. I would like you to put the account in dispute until you have resolved this matter.

Once they have provided this proof, then you can come to an arrangement to start making the payments.

Regards

Sue

CCCS_Sue

drpowermax wrote: »

Can anyone shed some light on this company: Kensington Financial Management Consultants? my wife was put in contact with them by one of the catalouges she has. Just wondering if anyone has had any experience of them good or bad? on the phone they sound fantastic and as mum always says "if it sounds to good to be true........"

Regards

Steve

Hi Steve and thanks for your message

We would not be able to comment on this company, but you should be aware that some companies do charge for their help and advice and if you are struggling to repay your debts,it is advisable to go to a non fee charging charity such as CCCS, National Debtline or CAB.
We do not charge for our help.

If you would like an appointment with one of our trained counsellors at CCCS, you would need to contact our helpline free on 0800 138 1111. Lines are open Monday to Friday 08:00-20:00. It would be helpful that when you call you have details ready regarding your income, expenditure and creditors, as this can help speed up the referral process. If you have this information ready it may be possible to refer you directly to a counsellor if one is available, otherwise we will arrange a time that is convenient for you to be called back for an appointment.

Alternatively you can visit our online debt advice facility called Debt Remedy. Debt Remedy would assist you in completing a financial statement and you would be provided with tailored advice on the best way to deal with your situation. This link will take you directly to Debt Remedy www.cccs.co.uk/ref/drcu

Regards,
Sue



CCCS is a registered charity, and there is no charge whatsoever for the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and the possible implications, but not make them for you.

peachykeen

Hi,
Hope you can help. Have been running a relatively smooth DMP for over a year but my living arrangements are about to change and my rent is going to increase (as will my utility bills). Are my payments fixed - if my outgoings increase is there anyway my DMP payments can be reviewed to accommodate my increase in rent? I am very worried about this.
Thanks.

candie_2

Hi im considering bankruptcy at the moment and need some help please.
I have a car which is still on finance but under someone elses name but car is registered in my name. if i declare bankrupt what would happen with the car as i never told my iva about this car which i got after entering iva.

Any advice appreciated. Thanks

thewad

£80,000 ish cc debt.
After everything paid out could afford approx £750 a month.
Have started up my own business and way things are going
however could probably also offer a lump sum as well every
3 months to bump it up to £1,000+ per month.
Obviously I don't know how much I'm going to earn each
month and also need to keep some money to one side for
repairs/replacement equipment so would this way of conducting
a DMP i.e. so much a month then a lump sum every 3/6 months
depending on earnings be acceptable.

Regards
John

rene36

can anyone help me,we are paying a debt recovery company 255 pounds per month they then pay a credit card for us with the interest frozen with a outstanding amount of 2,220 and they pay around 75 pounds per month to them and personal loan of about 4,200 outstanding, paying around 135 per month and then they pocket the rest as their fee. Would we be better off splitting the money direct between them or would the interest go back on then we would get know where?

sarah1773

I am just in the process of gathering all my most recent statements together to send off for the DRO application. The trouble is, I am having problems getting up-to-date statements from my creditors - they are not very co-operative. Also, my worry is that they wil continue to add charges even when I have applied for the DRO and then I will be liable to pay the difference. How long approximately does it take from me sending the information off to it being approved/rejected presuming I pay the fee immediately?

margo12

I am in the process of setting up a DMP and am just gathering the paperwork and completing the forms to send to creditors, but I have a few questions:-

1. Exactly what letters do I need to send to CCCS from my creditors? I have credit card and bank statements , which is OK, but I don't have statements for the loans. For one of them I can't find any paperwork, but I do have the account number.

2. Proof of income - I have copies of payslips and the only other income is child benefit. Do I need to send proof of this, and what should I send?

3. When should my DMP start? On the form for creditors, there is a box to fill in the month but I am unsure whether to put February or March, as I'm not sure how long it will take to set up.

4. What to do regarding payments in the mean time? Should I send token payments with the CCCS form and then token payments monthly until the DMP starts?

thanks

Triggles

We have been basically following a self-administered DMP, after using advice from the CCCS website. All the debt (loans, credit cards) are in DH's name, although I had secondary cards (my name is on card, but not on account as responsible for payment). The only thing that has both our names is the overdraft (approximately £2100). We have opened a new bank account in my name only at a different bank, and all incomings are now being paid into this account, as well as any priority bills (rent, utilities, and such).

The overdraft has just gone over it's limit (due to a math error on my part) and by the time I'd realised it, they'd already started adding charges. They will be adding more charges in a few weeks, according to a letter we just received. We had discussed scraping enough each month to pay the interest and just £10 on the balance of the overdraft just to chip away at it and to keep it from getting more charges added to it, since it has my name on it also. However, my concern is because one of his debts is a loan and a credit card through the same bank, that as soon as we've whittled away any money off the overdraft, they will swoop in and take more money out of the account, putting us back at the limit and racking up the charges again. The other problem is that as long as it's over the overdraft limit, they are apparently going to be charging us £25 for being over, £20 "instant interest" plus another £20 for regular interest EACH MONTH, according to the letter I just received! So..... what's the best approach for this? I have debated calling them tomorrow and speaking to them to find out what they plan on doing and what they recommend, but obviously I would like the opinion of someone that is knowledgeable about this stuff that DOESN'T have a vested interest in the bank's money.

So what would CCCS recommend in this instance?