We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Buchanan Clark & Wells - ADVICE/HELP PLEASE
daviesites
Posts: 3 Newbie
Dear All,
This is my first time on such a thread, however, I am facing a situation with BCW and would really appreciate advice regarding my position/obligations to them.
The matter surrounds an outstanding bill to Scottish Power (SP) from our house at University (dating back over 2 years), however, the amount of the debt is disproportionate to the situation.
SO FAR, I have received 3 letters from them:
1ST LETTER (End of Aug '13): 'FINAL NOTICE'
It says that they have been instructed by SP to recover this overdue account + an admin charge of 21%.
Should I fail to respond positively to this communication, they will instruct a Doorstep Collection Agent to visit and admin fee increase to 30%.
2ND LETTER: (Mid Sept '13): 'FINAL NOTICE'
It says that as I failed to reply to their previous correspondence (because I don't live at the address these letters have been sent to), they are going to recommend to SP to commence legal proceedings against me with payment of interest/costs in addition to principal sum.
3RD LETTER: (Mid Oct '13): 'NOTICE OF IMPENDING FURTHER ACTION'
It says they now intend to recommend to our client to consider the possibility of further action on my account.
They list the options available to SP as:
1. Application to Court to obtain a County Court judgment/Decree
2. If a decree was granted and it remained unpaid, the court could enforce further action such as Attachment of Earnings/Earnings Arrestment
3. Refer your account to third party agents to attend your property to interview you to discuss realistic repayment terms.
And that I can still prevent the above action by contacting them immediately.
SINCE THEN:
I called them a couple of days ago and told them that I am not the correct individual who they should be contacting as instead it should be my housemate. My housemate called them today and they said that if we pay the full amount today, they will give us a 25% discount on the total owed......
HOWEVER, what would those who are experienced in such scenarios recommend? We are only students and I really don't want to be dealing with BCW but of course, I don't want to let this get to Court...
PLEASE HELP AND PROVIDE ME WITH ADVICE
Many Thanks (and sorry for the lengthy post)
This is my first time on such a thread, however, I am facing a situation with BCW and would really appreciate advice regarding my position/obligations to them.
The matter surrounds an outstanding bill to Scottish Power (SP) from our house at University (dating back over 2 years), however, the amount of the debt is disproportionate to the situation.
SO FAR, I have received 3 letters from them:
1ST LETTER (End of Aug '13): 'FINAL NOTICE'
It says that they have been instructed by SP to recover this overdue account + an admin charge of 21%.
Should I fail to respond positively to this communication, they will instruct a Doorstep Collection Agent to visit and admin fee increase to 30%.
2ND LETTER: (Mid Sept '13): 'FINAL NOTICE'
It says that as I failed to reply to their previous correspondence (because I don't live at the address these letters have been sent to), they are going to recommend to SP to commence legal proceedings against me with payment of interest/costs in addition to principal sum.
3RD LETTER: (Mid Oct '13): 'NOTICE OF IMPENDING FURTHER ACTION'
It says they now intend to recommend to our client to consider the possibility of further action on my account.
They list the options available to SP as:
1. Application to Court to obtain a County Court judgment/Decree
2. If a decree was granted and it remained unpaid, the court could enforce further action such as Attachment of Earnings/Earnings Arrestment
3. Refer your account to third party agents to attend your property to interview you to discuss realistic repayment terms.
And that I can still prevent the above action by contacting them immediately.
SINCE THEN:
I called them a couple of days ago and told them that I am not the correct individual who they should be contacting as instead it should be my housemate. My housemate called them today and they said that if we pay the full amount today, they will give us a 25% discount on the total owed......
HOWEVER, what would those who are experienced in such scenarios recommend? We are only students and I really don't want to be dealing with BCW but of course, I don't want to let this get to Court...
PLEASE HELP AND PROVIDE ME WITH ADVICE
Many Thanks (and sorry for the lengthy post)
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.1K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards