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BCW Charged me 10% on top of debt??

funkypriest
Posts: 77 Forumite
I have 3 accounts with O2 that have been passed to BCW group but they are included on my DMP.
I have called them today to get updated balances as they werent playing ball to start with.
They have informed me that each debt has had 10% added onto it as a fee for o2 passing it to them?
Can I contest these?
It's added £213 to my debt! :eek:
Any help appreciated.
I have called them today to get updated balances as they werent playing ball to start with.
They have informed me that each debt has had 10% added onto it as a fee for o2 passing it to them?
Can I contest these?
It's added £213 to my debt! :eek:
Any help appreciated.
LBM(2) Jan 2014 - Debt £17500 :eek:
Current Debt: £16411.26
Weight Lost: 10.25/60 lbs :j
Current Debt: £16411.26
Weight Lost: 10.25/60 lbs :j
0
Comments
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Tell them to jog on, just because they add the fee does not mean you have to pay it.
Charge them £25 for writing to them, tell them each subsequent letter will also cost them £25.
In my view that is a penalty charge, and under English contract law its illegal to charge a penalty, and don't fall for the old "its in the terms and conditions" chestnut, if you believe a charge is unfair, challenge it.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thanks sourcrates
What do I tell them in my letter?
Is there a template for this kind of thing?
Thanks.LBM(2) Jan 2014 - Debt £17500 :eek:
Current Debt: £16411.26
Weight Lost: 10.25/60 lbs :j0 -
tell them that under the oft and fca rules they are only permitted to add charges where you agreed in the contract to that and where they represent actual and necessary costs0
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what does your contract say about collection fees for none payment, it is likely to have something in thereDon't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
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This from O2's T's and C's:
15. Consequences of Default and Missed Payments
15.1 In addition to the consequences of missed payments set out at clause 11, we may serve
a default notice on you, on the expiry of which we may terminate the Credit Agreement
and/or require you to immediately repay the outstanding balance (whether or not accrued
due for payment), if you:
(a) fail to pay us the Instalments or other sum due under this Credit Agreement on the
dates they are due; or
(b) breach this Credit Agreement in any other material way; or
(c) materially breach the Pay Monthly Mobile Agreement (including the Equipment
Agreement); or
(d) (in the case of a breach which can be remedied) you do not remedy a breach under (a)-
(c) above within the period specified in a default or similar notice from us; or
(e) become bankrupt or are unable to pay your debts or if an interim order in bankruptcy
is presented or made, or you become apparently insolvent; or
(f) have a proposal for a voluntary arrangement made in relation to you; or
(g) in Scotland, a grant of trust deed for the benefit of your creditors is presented or made; or
(h) you die; or
(i) you are convicted of an offence involving dishonesty.
15.2 If any of the events in clause 15.1 occurs, in addition to the rights under this Credit
Agreement and the Pay Monthly Mobile Agreement (including the Equipment Agreement),
we will also have the right to:
(a) block your SIM Card from using Airtime Services; and/or
4 5
Important - Use of your information.
We and other members of the Telefonica Group will use your
information in line with our Privacy Policy, available here at
https://www.o2.co.uk/termsandconditions/privacy-policy. We may pass
your details to other selected businesses for them to send you
information about their products and services, (by phone, post,
email, SMS, media messaging, or other means) which we think
might interest you. If you don’t want your details to be used for
marketing purposes, please write to us c/o The Data Controller,
Telef!nica UK Limited Arlington Business Centre, Suite N, Leeds,
West Yorkshire, LS11 0NE, or through the Contact Us section of
our Website.
Customer Declaration:
1. By signing this Agreement I confirm that I am1 8 years or over
and that the information provided is true and correct.
2. I confirm that I offer to enter into an agreement with us on
the terms set out in this document headed “Fixed Sum Loan
Agreement” and the Important Legal Terms supplied with it.
3. I confirm that I have had the opportunity to review a copy of this
form of agreement (including the Important Legal Terms) to keep;
and that, in good time before I have signed this, I received
a copy of the document headed “Pre-Contract Credit Information”
and that I have read and agreed to the “Important - use of your
information” section.
Signed on behalf of Telef!nica:
Signature:
Date: 31/01/2013
Director - Telefonica UK Limited
Signature(s)
Date: 31/01/2013(b) terminate your Pay Monthly Mobile Agreement.
15.3 You may be required to pay our reasonable costs (including legal costs) of collecting
unpaid sums or otherwise enforcing this Credit Agreement following your default or an
event described in clause 15.1. There are also the following charges for late or missed
payments reflecting our reasonable administrative costs:
£5.00 Late payment charge (to cover printing and outsourcing of default notices and arrears
notices required by law).
We may vary these charges to reflect the changes in our costs. The rate of interest charged
on late payments is 0%.LBM(2) Jan 2014 - Debt £17500 :eek:
Current Debt: £16411.26
Weight Lost: 10.25/60 lbs :j0 -
bcws charges are not 'reasonable'.
you can tell them to stuff them where the sun not shines0 -
My son has been no fixed address from May 2014 -mid-June 2014. He has returned to live with me. Some mail has just been forwarded to him from a previous address, from BCW (dated June 2014). BCW have added a 10.75% admin charge to what he owes on an EE phone bill. Can they charge this admin fee? Can it be contested? He does owe them money because he lost his job and suffered with depression. Is it better to write to BCW as opposed to phoning them? I believe that as paper trail is always better. He does not have a copy of the terms and conditions (contract).0
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Justice-seeker wrote: »My son has been no fixed address from May 2014 -mid-June 2014. He has returned to live with me. Some mail has just been forwarded to him from a previous address, from BCW (dated June 2014). BCW have added a 10.75% admin charge to what he owes on an EE phone bill. Can they charge this admin fee? Can it be contested? He does owe them money because he lost his job and suffered with depression. Is it better to write to BCW as opposed to phoning them? I believe that as paper trail is always better. He does not have a copy of the terms and conditions (contract).
See above.
No, they cannot charge this fee, yes you can contest it and yes, you should do it all in writing (or he should assuming he is an adult and capable of administering his own affairs)Debt Free! Long road, but we did it
Meet my best friend : YNAB (you need a budget)
My other best friend is a filofax.
Do or do not, there is no try....Yoda.
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I had a barclays debt passed to these, and i'm with stepchange. As soon as I told stepchange they contacted barclays to recall the debt, and BCW wouldn't deal with the debt when i told them as it's a DMP. Not worth their time. Hopefully this will be the same for you, good luck0
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Thank you very much for your response. My son rang BCW and the mobile phone company had already recalled the debt! Settlement figures to follow in writing.0
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