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    • I see the poops are still trying to deflect from their own criminality and and abuses by whinging on about raynors buying her council house - now about election registration - anyone who owns a flat or house understands that you dont give up your and your childrens home just because of a new relationship and while we are on about that ..   lets start with When is jenrick being revisited for both lockdown abuses and self admitted (claims estate is his main home - not the property in his electorate or his london property) 'possible (lol) electoral registration abuses as he claimed he was at his estate 'main home' away from both London and his electoral 'home'  - much of which paid for by the taxpayer     Cabinet Minister Robert Jenrick 'breaks lockdown rules twice' by going to 'second home' - Mirror Online WWW.MIRROR.CO.UK Key Cabinet Minister Robert Jenrick drove 150 miles to his 'second home' after urging the nation to remain in their homes in a bid to...   ... perhaps follow with more self admitted lobbying while in a potion where they shouldn't “A few of us in parliament have lobbied the government – and with the help of the Treasury select committee, the chancellor has listened,” John Baron wrote.   Tory MP faces lobbying questions over Treasury committee role | Investing | The Guardian WWW.THEGUARDIAN.COM Co-owner of investment management firm called for ‘urgent’ post-Brexit changes to City rules at committee meetings     About time labour got in the game and started pressing for these self admitted/bragged Tory abuses were properly investigates.
    • No I didn't I got the dates mixed up.   
    • Sorry about that, TJ. The person who posted it specifically said it was free access. Here's another version of the FT article. https://archive.is/KYrPa
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Just who are UMS? - provi loan


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I have an account with Provident that, for one reason or another (mainly unemployment) ended up with their own in house 'solicitors' and has been farmed out to BCW.

 

Today I've received a letter from BCW offering me a discount that amounts to 50% me the outstanding balance on the account. They have also offered me the chance to pay over 3 installments.

 

This offer is only valid if I contact BCW by tomorr (states 7 days from date on letter but arrived 6 days after the date on the letter).

 

I've never been in contact with BCW regarding this account and wonder if its really only a ruse to get me to contact them about the debt.

 

What is their MO regarding accounts and discount offers?

 

Feebee_71

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If you have the money to clear the balance and want to do so I would haggle with them. With any luck and a bit of perserverence you might get them down to 30%. Their deadline is just a ploy to try and get you to settle for the 50% quickly. But make sure that any settlement is for a 'full' not partial settlement and your credit file is marked as such. Otherwise you may find you are being chased for the other 50% by another agency.

 

If you are not interested let them whistle in the wind and carry on paying them £1 a month or whatever you may have agreed to. Another year down the line their settlement offer will probably be a lot less!

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Hi

Be aware that if you 'short settle' the remaining amount is still collectable. Just because BCW are offering this 'discount' this means very little unless you get a statement saying they will stop any further collection activity AND they do not sell the remaining balance on to any other **** bucket

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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You must receive their acceptance of any short settlement and confirmation that no other 3rd party will pursue for any other monies.. IN WRITING, before you part with any money.

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You must receive their acceptance of any short settlement and confirmation that no other 3rd party will pursue for any other monies.. IN WRITING, before you part with any money.

 

Excellent advice!

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Thanks guys,

 

I'll sit on their offer for a bit longer as it would be a struggle to pay the amount offered as the discounted settlement deal even if it was split into 3 payments!!

 

Feebee_71

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  • 1 month later...

Hi,

 

Have recently had a letter from BC&W in which they are threatening to send a doorstep collector (or words to that effect) to my home

about an account that as been passed to them by the original creditor (Provident).

 

So far letters received have included offers of substantial discounts and even opportunities to pay said reduced sums over a number of months rather than in one payment.

 

I have never engaged with BC&W about this account,

I was paying Provident's in house solicitors a reduced amount but stopped when there just wasn't enough money to pay as well

as meet necessary debts such as rent, council tax, utility bills and then things such as business insurance and fuel for my vehicle

which is important as my job requires me to be mobile but is poorly paid.

 

the collection agents mentioned in the letter received are UMS but, apart from them being owned by BC&W

(and so therefore only another cog in their internal wheel of threats), it appears they are used to chase utility debts - which this isn't!!

 

They will be lucky to ever find me at home as I usually work 12 out of every 14 days and leave the house at silly o'clock returning in the evening then,

on my weekend off, I'm usually catching up with friends, family and life in general.

 

Oh, and I live in a property with secure entry system so they can't actually access my front door that easily!!

 

What is likely to be their next step?

 

Feebee_71

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Utility Management Services.....'cough' 'cough'

http://www.csa-uk.com/uk-members-list/details/141/utility-management-services-%28bcw-group%29-ltd

 

All part of the same, next broom cupboard along I would imagine, or cubicle in the gents, sorry little boys room!

 

Did Provi send you a notice of assignment?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I can't remember but know they still send me the letters stating the account is in default. Pretty sure the last communication was from their in house 'solicitors' CK Edrupt!!

 

Feebee_71

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what was the original debt all about?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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A Provident loan,

had to go to reduced payments when unemployed

 

now am working but little money left for non-priority debts as well as paying priority bills

and having enough fuel in the car to be able to go out and do my job

- let alone buy food every week

 

(thank goodness for staying at my parents for 3 nights a week so not having to buy food those nights!)

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so it def was a doorstep loan

not a loan to pay off a debt hey claim you owed?

 

pers ignore them

 

they have no legal powers

and are not bailiffs

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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god what made you resort to these 2000% interest rate people

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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its a discount letter anyhow

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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