Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder allswell Novitiate

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    Default BCW Group plc.

    Hi everyone,
    has anyone heard of BCW Group Plc?
    I received a text message from them today asking me to contact them urgently on an 08444 no. and quoting my unique reference No. I suspect they are a DCAicon but would appreciate any confirmation of this.
    Many thanks
    Allswell


  2. #2
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    Default Re: BCW Group plc.

    They are a DCAicon. Ignore them.


  3. #3
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    Default Re: BCW Group plc.

    BCW and their 'URGENT' texts!!!
    If it were so urgent why don't they have the minerals to ring you?

    Or even leave a civil message telling you exactly what it is concerning?

    Simply because your on a phishing list and as soon as you ring that number they'll snap that rod back and won't let you off their rusty paper clip of a hook...

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  4. #4
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    Default Re: BCW Group plc.

    The reason for BCW wanting you to contact them is simple, a text costs just pennies to send, if you call the 0844 571 number that BCW ask you too, the cost is 5p per minute which they get a cut out of and thats not including the 2.5p connection charge.
    Hope this helps but follow the golden rule and never speak to them on the telephone.


  5. #5
    Basic Account Holder allswell Novitiate

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    Default Re: BCW Group plc.

    Many thanks, think I will just let them sweat it out.
    Allswell


  6. #6
    Basic Account Holder allswell Novitiate

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    Default Re: BCW Group plc.

    BCW still sending txts and phoning mobile and landline even after sending SB letter! Any advice on what to do next?
    Allswell


  7. #7
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    Default Re: BCW Group plc.

    If the alleged debt is statute barredicon and you have sent the letter advising them, then you need to report them to OFT and TS online via Consumer Direct

    You could also request their Complaints Procedure, along with a copy of this:

    Re: Harassment by telephone

    ACCOUNT NUMBER: XXXX

    Dear Sirs

    I am writing in relation to the quantity and frequency of telephone callsicon that I have received from your company, which I deem to be personally harassing.

    I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

    I now require all further correspondence from your company to be made in writing only.

    I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

    If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

    Be advised that any further telephone callsicon from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)
    Yours faithfully,

    [NAME HERE]


    Section 40 of the Administration of Justice Act
    “S40 Punishment for unlawful harassment of debtors.

    A person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under a contract he- harasses the other with demands for payment which, in respect of their frequency, or the manner or occasion of making any such demand, or of any threat or publicity by which any demand is accompanied, are calculated to subject him or members of his family or household to alarm, distress or humiliation; falsely represents, in relation to the money claimed, that criminal proceedings lie for failure to pay it; falsely represents himself to be authorised in some official capacity to claim or enforce payment; or utters a document falsely represented by him to have some official character, or purporting to have some official character which he know it has not.

    A person may be guilty of an offence by virtue of sub-section (1) (a) above if he concerts with others in the taking of such actions as is described in that paragraph, notwithstanding that his own course of conduct does not by itself amount to harassment.”

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    The only person entitled to your Personal Finance details is a Judge not a DCA

    Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

    Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.
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  8. #8
    Basic Account Holder allswell Novitiate

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    Default Re: BCW Group plc.

    Many thanks HS


  9. #9
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    Default Re: BCW Group plc.

    Dont forget to put a complaint in about them ignoring your requests to Trading Standards via Consumer Direct, and copy in the OFT as well...


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    Default Re: BCW Group plc.

    BCW are idiots. They just churn out rubbish for a few months, while ignoring letters. They then suddenly stop the contacts and a few months later, you will have another company sending letters, probably Mackenzie Hall or Aktiv Kapitol, ground feeders who buy old uncollectable debts.


  11. #11
    Basic Account Holder allswell Novitiate

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    Default Re: BCW Group plc.

    Muck Hall have already had this, sent them the SB letter and they failed to acknowledge and passed it on to BCW This debt has not been acknowledged since 2001 so they certainly are the lowest of the low bottom feeders.


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    Default Re: BCW Group plc.

    Then you really do need to make a formal complaint about them to consumer direct about this.

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  13. #13
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    Default Re: BCW Group plc.

    You must complain. Every complaint is another nail in their coffin.


  14. #14
    Basic Account Holder allswell Novitiate

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    Default Re: BCW Group plc.

    Another demand from BCW today, reported them to TS and OFT dont know what to do next!!!


  15. #15
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    Default Re: BCW Group plc.

    Just a quick question regarding the telephone harassment issue.

    What is deemed harassment via telephone or text? How many calls is deemed to be within a certain limit for it not to be considered harassment? Thank you


  16. #16
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    Default Re: BCW Group plc.

    Everyones interpretation of harassment differs, however the law is quite clear on the matter,
    1 Prohibition of harassment

    (1) A person must not pursue a course of conductó
    (a) which amounts to harassment of another, and
    (b) which he knows or ought to know amounts to harassment of the other.
    (2) For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.
    (3) Subsection (1) does not apply to a course of conduct if the person who pursued it showsó
    (a) that it was pursued for the purpose of preventing or detecting crime,
    (b) that it was pursued under any enactment or rule of law or to comply with any condition or requirement imposed by any person under any enactment, or
    (c) that in the particular circumstances the pursuit of the course of conduct was reasonable.
    Protection from Harassment Act 1997 (c. 40)

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  17. #17
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    Default Re: BCW Group plc.

    As BCW are still harassing you for payment on a statute barredicon debt, I would send a formal complaint to their Complaints Department headed without prejudiceicon and tell them that is they don't stop harassing you for payment on a Statute Barred debt you will take them to court for harassment and seek punitive damages.
    At the bottom of the letter write "Cc The Office of Fair Trading consumer crediticon Licence Fitness Department" and send a copy to the OFT.



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