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Smokin Jo

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  1. Me again! Have just written the following, would be grateful for any guidance before I send it. I refer to your letter dated 24/01/08 and your phone call, both of which I received today. As previously mentioned in my last letter dated 8th March 2007, I do not acknowledge ANY debt to your company. I am still contesting your claim. I note with interest your attachment to your letter referred to above. Although somewhat illegible, this seems to be a copy of an application form or suchlike and in no way represents a copy of the original signed credit agreements that I have already requested, as is my right under the legislation contained within s.78 (1) Consumer Credit Act 1974. Nor have you provided me with a statement of account as you are obliged to, as I previously requested. I am also waiting for a copy of the deed of assignment on the above mentioned agreement that you allege exists. In your letter dated 14th March you advised me that you had requested your clients to forward these documents to me directly. This is a legal obligation, whether you are the original creditor or not, under s189 of the CCA 1974. You are well aware that a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Please take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. I would ask that any further communications on this matter should be by written correspondence, I will not discuss this matter by telephone or in person with your company or your representatives. Yours sincerely, I'm going to keep the Statute Barred stuff in reserve.... Many thanks all, Smokin Jo
  2. What a crazy world we live in! Almost a full year from my request for the original document we have received today a letter for payment from our friends at BCW. They also enclosed a very blurred copy of the original card application.... I then received a phone call for my wife, she wasn't in. They have asked for full payment, £1766.01 by the 31st Jan 08. Since we haven't aknowledged this debt in any way is there a statutory time scale involved here? The debt goes back some seven years. Also I never received a deed of assignment, is this something I should have. Thanks again all for any help, much appreciated..... Smokin Jo
  3. Just got home from a very enjoyable meal out (paid for in cash!).... I'd actually forgotten about all of this but I believ I should now take the next step and finalise everything. (or should I just let it go in view of the fact that I've not heard anything for a couple of months?) I guess there's a few peeps that might think that? Many thanks all for bringing this back to my attention! Cheers SJ
  4. My route has worked so far (touch wood) so do some reading first employee... My 40 days are up and not heard a peep since my last letter. I'm off to bed now and will revisit this tomorrow, just need to thank employee 2007 for reminding me that I had a debt!!! Next step tomorrow chaps! Onwards and upwards! SJ
  5. See http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/62170-buchanan-clark-wells-plc.html for addresses on our friends at BC+W. I'm still waiting for my "invoice"........
  6. *Rubs Eyes* So far so good for me Steph, I wish you well with your case. The guys here are excellent and they'll give you all the support you need! KR's SJ
  7. I received a leter threatening a visit from an Investigation Officer that was supposedly sent on the same day as those two letters above (but arrived some 4 days later). I've sent the "written corresponence only" letter and will let you know how things go. Bon chance mon ami! SJ
  8. Hi Zander, I think you may have got these or this letter? I write regarding your recent communication........ I would advise that we do not hold Credit Agreements at this office as we are not the Creditor. Under the circumstances your postal order is returned. However, account is now on hold and have asked my Clients to forward the documents to you directly. Please do not hesitate to contact us blah blah blah...... **** Funny note on bottom in small type reads Buchanan Clark & Wells is a trading style of BCW Group plc etc etc 2nd Letter Dated 15th March With Reference Pursuer: Arrow Global LLC I write with regard ................ 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 you as soon as possible. Blah blah....... I'm not sure what they mean either by an "invoice"?? I'm just waiting and seeing..... It sounds like we're going down the same route though. http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/62170-buchanan-clark-wells-plc.html I've subscribed to this thread and will keep you updated! SJ
  9. Wow, interesting letter Boobaby! So are they still pestering you or have they given up? Do they have the right to revisit your case, as and when, since it's not a criminal offence they've committed? Personally I'm going to write in direct reference to the "visit" letter. I don't think I'm going to push on the CCA request and let the 40 days run through. Then I'll report them like you have! I've been giving the wife verbal boxing lessons so hopefully she'll be able to handle matey when/if he calls. Boobaby you're a star, many thanks. SJ ******* Letter Added ******** Dear Sirs BCW Ref: XXXXXXX Client Ref: XXXXXXX I write with regards to your correspondence dated 14th March 2007 in which you suggest I will be subject to a Personal Visitation from a Debt Investigation Officer. I refer you to your letters sent on the 14th and 15th of March in which you state that our account is on hold pending the supply of information which I have requested. You will also note from my letter which you received on the 9th March 2007 that this alleged debt is contested. I advise you that I am not prepared to discuss this matter either by telephone or in person with your company or your representatives, and all communication should only be by written correspondence. Kind regards,
  10. So here I am waiting for the documents/invoice (what's with the invoice bit??) and I receive a letter threatening a visit from an Investigation Officer. Wifey's beside herself (I'm out all hours working). I've seen mention of this before, but can't find the thread. Do we wait on receiving the documents/invoice or are we likely to get a knock on the door - should I write, although I'm worried about reminding them about the CCA request..... Any suggestions? Cheers, SJ
  11. Hi Bailiffchaser Wifey's just called and we've received the "sending an investigation officer around" letter. Since we got the same response before (see above) I just wondered if you got the same? Will post on my own thread to see if anyone knows what it means? KR's SJ
  12. Sorry for re-visiting this. Since it seems from reading that a few have received the above blustering I just wondered if anyone had deducted what this means? Or should I just wait? Many thanks, SJ
  13. Just received exactly the same, same signature too. http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/62170-buchanan-clark-wells-plc.html Good luck with yours!
  14. Update....... No sign of any debt on Experian Sent the letter that boobaby suggested on 8th March and received two letters today. 1st dated 14th March I write regarding your recent communication........ I would advise that we do not hold Credit Agreements at this office as we are not the Creditor. Under the circumstances your postal order is returned. However, account is now on hold and have asked my Clients to forward the documents to you directly. Please do not hesitate to contact us blah blah blah...... **** Funny note on bottom in small type reads Buchanan Clark & Wells is a trading style of BCW Group plc etc etc 2nd Letter Dated 15th March With Reference Pursuer: Arrow Global LLC I write with regard ................ 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 you as soon as possible. Blah blah....... *********************************** Any help with how to proceed from here would be greatly appreciated. Thanks all, SJ
  15. Hi again, sorry for bump. Just got home from work and catching up. So where does the above leave me? Do I send anything and who to? I'm ready to go with this but really don't want to make a mistake. Thanks in advance guys, SJ
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