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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

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Old 15th February 2007, 16:47   #1 (permalink)
zander
Classic Account Customer
Default Bc&w

Furthet to a post I made yesterday, recived phone call from this company saying I don't respond to their correspondence when I've not had any! Apart from a text asking to call their premium rate number, they have not communicated. If it were not for my own discovery that Scottish Power had passed this on to them, I'd be none the wiser. Explained to the caller that I would only deal in written communication and not to call again. Have had a look around the site for some guidance pertaining to written confirmation that a DCA has taken over the debt, but no success. Any one able to offer advice?
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Old 20th February 2007, 02:17   #2 (permalink)
pmhcfc
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Default Re: Bc&w

Quote:
Originally Posted by zander View Post
Furthet to a post I made yesterday, recived phone call from this company saying I don't respond to their correspondence when I've not had any! Apart from a text asking to call their premium rate number, they have not communicated. If it were not for my own discovery that Scottish Power had passed this on to them, I'd be none the wiser. Explained to the caller that I would only deal in written communication and not to call again. Have had a look around the site for some guidance pertaining to written confirmation that a DCA has taken over the debt, but no success. Any one able to offer advice?
Send them a CCA- look in library (template letters) Send £1 postal order and send it recorded...I don't think BC & W actually purchase debts, could be wrong though... A CCA will tell you though . keep us posted... update: Utility debts, I believe, are not covered by CCA requests...best get this checked by someone else as Im not 100% sure

Last edited by pmhcfc; 20th February 2007 at 02:19. Reason: update after seeing original post
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Old 20th February 2007, 03:43   #3 (permalink)
stan5131
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Default Re: Bc&w

If you have not received any written communication, then I would do nothing.

If they write to you, simply write back saying you do not acknowledge the debt and ask them for proof. If you owe the money, then it would be wise to make an offer of payments that you can easily afford, once they have sent proof of the debt. Just be careful to check that they have not added any charges on.
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Old 20th February 2007, 13:03   #4 (permalink)
zander
Classic Account Customer
Default Re: Bc&w

Thanks folks. I sent of a cca request yesterday although I was unsure whether utilities were covered. They have added charges; 15%! then 35% if they send an "investigation officer" round!! I asked them in my letter to provide me with details regarding their charges and where in the regulations it states that their extortionate fee is reasonable.
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