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Buchanan Clark & Wells Bark Again (thanks a bunch, Orange plc Sirs)
roomwithaview
Posts: 16 Forumite
Hello everyone,
Back in January 2013, my older son didn't have enough money in the bank account to cover his Orange direct debit, but he took care of it shortly afterwards, two weeks the most. He was 19 at the time, and in the process of taking over his Orange account, previously paid by me - so although direct debit came out of his bank account, I was still officially the account holder.
Then out of the blue, a few months ago, I get a standard debt collecting letter from Buchanan Clark & Wells (for £52, which was taken care of in Jan/Feb 2013 - it had to be, else my son's mobile account would have been frozen). I came to this forum, and sent them the standard reply I basically copied and pasted from here. Received a letter back marked as "final response", and so vague I thought they were giving up, but were too proud to actually say so!:)
Well I was wrong - they wrote again the other day, and I skimmed through, saw the words "we have no choice but to involve doorstep collectors", before ripping the whole thing up and chucking it away (I don't do debts, EVER, and I most certainly don't do intimidations... I sort of wish I kept it now, but their self-justified incompetence made me angry, soooo...).
My query is: the letter is still addressed to a flat I lived in up to May 2013 - I now live in another flat within the same building, but still pick up an occasional letter addressed to my previous abode.
Does this affect a validity of the debt collectors claim?
If so, do I ignore them? Or do I still respond (perhaps there's another letter template for when they threaten the doorstep collection?).
Very difficult not to get emotional when strangers threaten to come to your home and take away your family's things (I live with my younger son). There must be another way.
I'd appreciate your input - please share if you had a similar experience. Thank you!
Back in January 2013, my older son didn't have enough money in the bank account to cover his Orange direct debit, but he took care of it shortly afterwards, two weeks the most. He was 19 at the time, and in the process of taking over his Orange account, previously paid by me - so although direct debit came out of his bank account, I was still officially the account holder.
Then out of the blue, a few months ago, I get a standard debt collecting letter from Buchanan Clark & Wells (for £52, which was taken care of in Jan/Feb 2013 - it had to be, else my son's mobile account would have been frozen). I came to this forum, and sent them the standard reply I basically copied and pasted from here. Received a letter back marked as "final response", and so vague I thought they were giving up, but were too proud to actually say so!:)
Well I was wrong - they wrote again the other day, and I skimmed through, saw the words "we have no choice but to involve doorstep collectors", before ripping the whole thing up and chucking it away (I don't do debts, EVER, and I most certainly don't do intimidations... I sort of wish I kept it now, but their self-justified incompetence made me angry, soooo...).
My query is: the letter is still addressed to a flat I lived in up to May 2013 - I now live in another flat within the same building, but still pick up an occasional letter addressed to my previous abode.
Does this affect a validity of the debt collectors claim?
If so, do I ignore them? Or do I still respond (perhaps there's another letter template for when they threaten the doorstep collection?).
Very difficult not to get emotional when strangers threaten to come to your home and take away your family's things (I live with my younger son). There must be another way.
I'd appreciate your input - please share if you had a similar experience. Thank you!
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Comments
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Debt collectors CANT take your things. They may say they can but its a lie. Only court appointed bailiffs/high court sheriffs can do that. A doorstep collector will just turn up and ask you to pay. You can just tell then to go away if you want.
If they do turn up then just tell them to go away. Dont let them in. If they try to push their way in its a criminal offense and you can get the police to remove them. If they have a CCJ that they are enforcing then its a different matter. But you should know if this is the case as you will have got a letter from the court.0 -
bcw are all threats no action, infact they dont even have field agents.Don'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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Never heard of them sending anyone, ever. Even if they did, just tell them to ### off.Still rolling rolling rolling......
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SIGNATURE - Not part of post0 -
roomwithaview wrote: »Really? Is that a fact?
yes, we used to use themDon'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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