BW Legal - Excel

bear_jinjun

Hi,

Re a PCN dated March 2016
Received letter from BW Legal requesting payment of £160.00 within 16 days or will seek their clients instructions etc etc
So this is presumably the letter before the 'letter before court action'? so don't respond to this one ?
Any advice would be appreciated
Thanks

beamerguy

bear_jinjun wrote: »

Hi,

Re a PCN dated March 2016
Received letter from BW Legal requesting payment of £160.00 within 16 days or will seek their clients instructions etc etc
So this is presumably the letter before the 'letter before court action'? so don't respond to this one ?
Any advice would be appreciated
Thanks

Where does £160 come from, what was the ticket price ??
One assumes you have had debt collector letters ??

In view of the new claim procedure as from the 1st Oct
BWLegal need to be very careful and they musr now
give you full information

So, write back to them as KEEPER and deny any debt
and request proof of their claim that they will rely upon

If they fail, a court will not be impressed with incompetence

bear_jinjun

Hi Thanks for that.

Yes, all previous demands from Excel/Dcbl (i think) ignored.
Will draft something up based on Newbies letters.

I have recently moved address into temp rented accommodation, they however, found this address somehow??

Just about to move again to new permanent address, presumably I should mention this in correspondence ?
(all previous letters etc from debt collector disappeared in the move !)

Thanks

Lamilad

I have recently moved address into temp rented accommodation, they however, found this address somehow??

And thank your lucky stars they did coz if they'd continued communicating with your old address and proceeded to court (which they do frequently) then you could've ended up with a default CCJ and a ruined credit file by not responding to the claim

beamerguy

bear_jinjun wrote: »

Hi Thanks for that.

Yes, all previous demands from Excel/Dcbl (i think) ignored.
Will draft something up based on Newbies letters.

I have recently moved address into temp rented accommodation, they however, found this address somehow??

Just about to move again to new permanent address, presumably I should mention this in correspondence ?
(all previous letters etc from debt collector disappeared in the move !)

Thanks

As lamilad says, be careful, keep them up to date with
any new address and request confirmation

bear_jinjun

Lamilad,

All my post is forwarded on from my previous address, however, their letter was to the rented address!

Could you just please give me your thoughts as to whether this letter is or is not an LBC as it doesn't state that at all on the letter, and also that I should respond with letter drafted from examples on the Newbie sticky ?

Thanks

beamerguy

bear_jinjun wrote: »

Lamilad,

All my post is forwarded on from my previous address, however, their letter was to the rented address!

Could you just please give me your thoughts as to whether this letter is or is not an LBC as it doesn't state that at all on the letter, and also that I should respond with letter drafted from examples on the Newbie sticky ?

Thanks

Could you please scan the letter and upload to a free
hosting site and type the URL here as hxxp and someone
will convert for you.
Let us see it

PS hide all personal info

Umkomaas

Could you just please give me your thoughts as to whether this letter is or is not an LBC as it doesn't state that at all on the letter, and also that I should respond with letter drafted from examples on the Newbie sticky ?

If it doesn’t say so on the letter, it can’t be. But how you expect us to confirm something we’ve never seen, but you have directly in front of you. MSE hasn’t offered any of us the clairvoyant course yet. And I can’t see that happening in the future!

If you’re going to get a real LBC it will need to contain much more information.

https://www.hilldickinson.com/insights/articles/new-pre-action-protocol-debt-claims

http://www.lpc-law.co.uk/news/latest-news/2017/april/pre-action-protocol-for-debt-claims/

bear_jinjun

Umkomaas,

Point taken ! trying to figure out how to upload it !!

bear_jinjun

Hi,

Is this ok ?

hxxps://ibb.co/muhAfm
hxxps://ibb.co/f6du6R

beamerguy

https://ibb.co/muhAfm
https://ibb.co/f6du6R

As said by Umkomaas below.

They have made a statement and now you reply
stating you deny any debt and request proof of any claim
they will be relying upon in court

Then, with their reply, come back here

If they fail, it will be at their peril