Debt Company - harrassment

skipton

We've just had a similar letter from BC+W. We never recieved our final bill when we moved out of our property in Leeds. We asked them for copies of all invoices which finally arrived today, addressed to some one in Doncaster. No wonder we didn't get them. BC+W found us straight away. I must admit I just feel like drawing round 2 fingers and sending it back.This is just legalised bully boy tactics. My partner has taught me not to allow them to intimidate me because thats what they are reliant upon.

Annie_Fanny

I hope you get it sorted Skipton.

I just imagine the people working for companies like Buchanan Clark & Wells - it is apparently 64th best company to work for in the UK..........according to their website anyway.

jamescredmond

if you're quite sure you're in the clear on this one ( and I mean QUITE SURE ) you can have a little malicious fun instead of getting stressed. last year vodaphone told me I owed them 89.04. I didn't. In fact, I didn't owe them anything. after a degree of hassle they relented and wrote me to the effect that no debt was outstanding/sorry for the inconvenience. I kept the letter safe in case of further hassle. bingo! 6 months later I received a letter from a debt collection agency telling me they were acting on behalf of vodaphone and could I please settle a debt of 89.04. I kept the letter but did not respond. A while later I rec'd another letter from this agency - this time more menacing and threatening me with court action. I kept the letter/did not respond. a few weeks later they phoned. a woman who obviously enjoyed her job repeated the threat. I replied iou nothing and hung up, keeping a time and date of call. a court summons was issued. I arranged to meet with court official before date and produced my evidence. case quashed. game over..... but not quite. 2 weeks later agency phoned, demanding to know why I had not disclosed vodaphone evidence before court summons. further, did I realise the amount of inconvenience and expense I had caused to agency? I replied 'which part of iou nothing' did you not understand. Laugh? like a hyena.
I've seen the misery these debt collection agencies can bring, so I had no qualms about doing what I did. be absolutely certain you owe nothing .then, if you're up for it, get your retaliation in first. deeply satisfying, I can tell you.

NoNeed_2

hi i have recently come across the many threads that have been posted in this site so i ask you to please take time to read and help me.

first of all i used to have a mobile phone contract with T-Mobile when i ended the contract it was said that i had an outstanding payment due for 27.32 pounds this was back in 2004-2005 i honestly cant remember and due to my inability of being organised i had delayed payment of the said amount until a letter saying that T-mobile had sold my account (debt owed) to Lowell Portfolio Ltd. which in turn sent me a letter stating that i owed them money on behalf of T-mobile i was a sucker back then so i paid the debt in the next days THEN in the 17th august 2007 i recieved another letter saying that i still owed T-mobile the same amount and they again stated that lowell blah blah still held ownership of my account (debt) however on the same day i recieved a letter from mackenzie hall stating

Reference: blah blah
Pursuers: Lowell portfolio Ltd
client ref: blah blah
Principal sum:27.32

FINAL NOTICE

Dear Mr NoNeed (o_o)not real name

we have been instructed by out client to recover this overdue account on their behalf

our clients have informed us that they are unaware of any legitimate reason for non-payment of their account and although they would prefer an amicable settlement, they will not hesitate to take such further action as may be appropriate.

we trust this will not be necessary and would request that you send your payment by the deadline below. vie the enclosed business reply envelope to avoid action.

Payment deadline: NOON 24TH august 2007

blah blah contact details

---

i decided to ignore this letter knowing that i had previously paid for the said amount deadline came and went and i never heard from them. unfortunatly by this time i had also found out that due to my last change of address i had lost the document i kept stating the payment of the previous letter i recieved on 2004-2005 however i bravely decided to ignore this and nothing happened.

this is not the end though i have now recieved a letter from buchanan + wells saying the same thing that was seen above.

FORMAL DEMAND

We have been instructed by Lowell Portfolio 1 Ltd to recover an overdue debt, in the sum of £27.32, on their behalf.

Our clients have informed us that they are unaware of any legitimate reason for non-paymer of their account and although they would prefer an amicable settlement, will not hesitate to commence Legal Proceedings if necessary.

Please call our Payment Line immediately on 0871 700 1840 to make immediate payment by Credit/Debit Card or to set up a Direct Debit Mandate. Payment is also accepted online at www.paybcwonline.com. Alternative methods of payment are detailed overleaf.

Should there be any matter that you would like to bring to our attention or should you require to discuss you financial circumstances in relation to the debt, please call us immediately. Opening times are detailed overleaf.

Yours faithfully

blah blah

however as i have stumble upon your well informed forum i only ask a few questions and maybe if other questions that are not asked can be answered by those who read this forum constantly

1.how long do banks keep records of transactions? as i made sure i paid with a cheque the first and only time i paid for the said amount.
2.this being the third time in which the same amount has been asked am i able to issue any form of legal action of my own?
3. will they ever stop?

thank you for reading yours truly NoNeed for this B.S

Anduril

<http://forums.moneysavingexpert.com/showthread.html?t=126253&gt;

Copy of Letter to Aktiv Kapital and BuchananClark+Wells BCW

6 February 2009

Resent 19 February 2009, on my receipt of a BCW letter threatening "Legal Proceedings"

Dear Sirs,

I am writing to you concerning a company called "Buchanan Clark &
Wells" who claim to be acting on behalf of AktivKapital or BarclayCard. I
have in the past reached the following resolution of this matter with
Messrs. Robinson, Way: that I pay what I can afford to, on a regular
basis, i.e. £2.50 per month. For several years I have kept to this
agreement. I am willing to continue this arrangement with AktivKapital. I
am legally obliged to report any income or capital receipt to the
Authorities. They check my circumstances. I am in the care of a
Psychiatric Social Worker, Mr. David Gwilliam at Southmead Hospital. I
an 66 years old - a pensioner. I live in sheltered Council accommodation.

There are issues relating to how any amount which might be owed to
BarclayCard arose.

I was formally signed off work by my medical team (with Post
Traumatic Stress Disorder) in April 1985. I have not been able to work
since then, and have been in receipt of Supplementary Benefits
continuously including at this time. The amount I receive does not
include allowances for paying off debts. Messrs. BarclayCard were
apprised of this fact, as were Robinson, Way; and as BCW have been.

I have more recently received harrassing phone calls and letters
from "BCW" which are relentless and extremely stressful. This has been
and is damaging to my health.

"BCW" inform me that they will only cease their "Credit
Collection Process" (a runaway train, or so it seems) if they are so instructed by
yourselves.

I ask you now to so instruct "BCW."

I will not deal with them -- they do not conform to the Credit
Collection Code of Practice which AktivKapital claims to adhere to. They
engage in "fishing expeditions." They harrass and threaten. This is
neither lawful nor acceptable.

From now on, I will deal directly with yourselves.

Please provide details for your safe receipt of £2.50 per
month from me as already agreed.

Yours Sincerely,

A****** H******

(Address)

--
Using Opera's revolutionary e-mail client: http://www.opera.com/mail/

I offered to provide the name and address of my solicitors, for teceip of proceedings, upon which the "BCW system" crashed (or so they ask me to believe).

saralou2474

hello
i am new to this so not really sure how to put a post on im wondering if somebody could give me some advise im having a very stressfull situation with bcw group at the moment demanding the sum of £671.00 re a mobile phone bill the phone was cancelled in november 08 but the company claim they never received the letters i have since then been trying to sort some kind of arrangment out and have yet been unsucsesfull due to bcw who are demanding £111.00 a month i have offered to pay up £60.00 a month and they are saying it is not enough from the beginning i only owed £50.00 now its £671.00 and i can,t pay that as i don,t work due to ill health from a back injury they are now want to send bailifs and send me to court and will not listen to any agreement i try to come up with i have proof that i sent letter to the mobile company in question which they say no longer existed please any help and advise would be much grateful thank you all scared and dont know what to do

vasecash

I too have recieved several letter from the same BCW about money owed for talk talk. I too moved last year and informed them paying the final bill. I am still receiving bills for different amount till now. I have called the company and talk talk getting nowhere. If u got any advise ..........
What is going on with these companies!

aje2022

Hi

I dont know if anyone can offer any advive on this matter but two years ago i recieved a lteer from a debt company saying that they were claiming debt on behalf of the cooperative bank for the sum of £390.25 from the period of may-december 2002-2003 at my old house( i had moved out in the april).i contacted the company asking about the debt saying that i wanted bank statements to prove that the debt was mine.
months passed and i still did not recieve any bank statements but only leteers from the debt company. Again phone calls were made stating that i was still waiting for conformation that the debt was mine. The company at the time said that they would put the debt on hold and contact the coporative bank. again months passed but i was still recieving phone calls about the debt. Then last year i recieved a letter from a new debt company called equidebt saying that they had taken the debt over. again more phone calls to ask where my prove was and agin broken promises that the debt was on hold + more letters. Then today 21/1/10 i recieved yet another harassment letter saying that they will accept any reasonable offers for the debt, but i still have not recieved any proof. Now i have also contacted the cooporative bank about bthis but there records have all been archived.
so the question i am asking is:
A: what can i do!
I'm getting to the point where i'm at my wits end.
any help will be great.
Thanks

DarkConvict

Make an amended prove it letter - http://forums.moneysavingexpert.com/showpost.html?p=11570893&postcount=2

Just tag on that this debt has been held previously with several other debt collectors and neither them nor the original creditor has provided proof that this is my debt. Further to this OFT guideline 2.4f states you cannot third parties for payment when they are not liable. As such you will treat any further communication that does not prove this debt is yours (which you know it isnt already) as harassment and forward it onto the OFT for investigation. Could also tag on that i am sure you are aware OFT is currently investigating the business practices of debt collectors -
http://forums.moneysavingexpert.com/showthread.html?t=1933033&highlight=aktiv / http://www.oft.gov.uk/advice_and_resources/resource_base/legal/cca/debt-collection

DVardysShadow

aje2022 wrote: »

Hi

I dont know if anyone can offer any advive on this matter but two years ago i recieved a lteer from a debt company saying that they were claiming debt on behalf of the cooperative bank for the sum of £390.25 from the period of may-december 2002-2003 at my old house( i had moved out in the april).i contacted the company asking about the debt saying that i wanted bank statements to prove that the debt was mine.
months passed and i still did not recieve any bank statements but only leteers from the debt company. Again phone calls were made stating that i was still waiting for conformation that the debt was mine. The company at the time said that they would put the debt on hold and contact the coporative bank. again months passed but i was still recieving phone calls about the debt. Then last year i recieved a letter from a new debt company called equidebt saying that they had taken the debt over. again more phone calls to ask where my prove was and agin broken promises that the debt was on hold + more letters. Then today 21/1/10 i recieved yet another harassment letter saying that they will accept any reasonable offers for the debt, but i still have not recieved any proof. Now i have also contacted the cooporative bank about bthis but there records have all been archived.
so the question i am asking is:
A: what can i do!
I'm getting to the point where i'm at my wits end.
any help will be great.
Thanks

What DarkConvict says.

Please do start a new thread for a new problem - by posting on this thread you and others have dragged up an old problem from 2005