Buchanan Clark & Wells - update and help please!

[Goget]

Hi All

After posting my welcome message I was advised to bring this onto this forum - therefore an update. Initially received a Formal Demand from BCW for about £2k on behalf of their client Thames Credit Ltd. The letter had the correct surname but incorrect first and middle - I repiled 5 days later by letter - before finding this forum - confirming that the surname was correct but rest wasn't, and confirming no details/agreement or knowledge of alleged debt - and also requiring all details of alleged debt before giving any more of my details etc. Three days later receieved final notice from BCW. Subsequentially found this forum sent Postal Order with formatted letter N and copy of my original letter recorded delivery - this was sent 15th of this month (Feb). Today received 24th - received letter dated 22nd from admin department of BCW which is short and to the point - it acknowledges my letter and the states 'I can confirm that I have arranged for a copy of the invoice to be sent to you directly by Our Clients. This will be with as soon as possible' - am I right in thinking there is a time limit for my request under the CCA request - which I clearly asked for using letter N and additionally I thought this was for a copy of any alleged credit agreement - not an invoice? Should I respond or leave until any further details turn up etc. Any help I would be grateful.

[cheddar]

I have got a similar letter but it doesn't say an invoice it does say agreement. After 12 days they are in default and after a further month if they try and chase the debt they will be commiting a criminal offence as far as i am aware.

[Goget]

I checked to be sure and it does state invoice? I also confirmed the date of signing for recorded delivery which is 16th Feb - I had laso previously used checkmyfile and nothing shows up from my last three addresses which goes back to 1995 and in that time haven't been refused credit. I think I will see what they come up with. I have to say this is a great forum and thanks for those who have come back with answers etc it's the first time I have used anything of this nature!

[Innocenti]

Do you know when this debt is from, if it is over 6 years ago and you have not made any acknowledgements in all the 6 years then the debt is barred under the 6 year rule and unenforceable.

[Whyme]

Sorry after reading have started own thread.

[diskmandave]

Originally Posted by Whyme

Hello, dont know if I can post this here or start new thread, its concerning Buchanan Clark and Wells.

I received two letters today for someone else but my address, one is a Final Notice and the other is Formal Demand same name and ref no on both, I call them to say this person doesnt live here has never lived here and am given the third degree, I refuse to answer some of the questions as I dont know who the person on the letter is and I feel I am entitled to my own privacy, [am I right] anyway the woman starts shouting at me tells me I am not being co-operative and puts the phone down. What do I do. I refused to give her my name was I wrong in doing so. I have no debt so its not as if only the name was wrong and the debt was mine.

You'ld be better served starting your own thread for this so that "we" can give you better advise, rather than jumping in on someone elses...

There are template letters in the library that you can use...

Look forward to seeing your thread!

Best regards, Dave.

[Goget]

I have no idea where the debt is from - even if it is fact is me as the first two names on the letters are similar but not my names. What exactly is the six year rule?
Thanks for your reply