Hi Everybodies circumstances are different but the following has happened since my last post - I have received various letters (threats...) re outstanding debt etc. I did send CCA request which resulted in half hearted reply but no details or docuementation with alleged debt way back in Feb this year (some reference to invoice etc..) - my circumstances are different in that I don't recognise the debt referred to BC & W and they cannot furnish any details. I subscribe to checkmyfile.com which covers all the credit reference agencies and shows nothing against me - apart from the search made by Bc & W prior to letters. Fortunately they do not have my phone number and still the letters that arrive are not in my name (it is similar). My thoughts are this - if they felt they had a good chance of reclaiming any outstanding money owed etc. why spend over six months with various threats letters etc. - you would receive County Court Summons and all the proper docuementation to support their claim would have to be in order etc. and for you to see. I took legal advice. (trading standards were useless...) All the letters I have received go round in circles and are made to knee jerk you into a panic reaction and start paying up. With regard to doorstep visits by BC & W (if these actually occur...) my advice is do not enter into any conversation and ask them to leave the premises (this is your right unless they have a court order etc..) - I briefed my partner with this so the limits were set etc. again they are trying to make you panic and start making payments. If you owe the money and depending on timescales this is a matter for you on deciding how to proceed. For your reference I have had about 8 letters threatening all kinds of action/visits from BC & W and various associated companies (the first one mentioned court etc.) to date nothing has happened, no negative entries have been entered against my credit rating and I have applied for a new credit card in this period with no problems! Keep postive and take good advice for this forum ( and legal advice if you can - FYI the solicitor I spoke to you recommended no contact or correspondence and let them produce the evidence for a county court to decide - just depends on your comfort zone..)

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

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!

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.

OK - thanks for this I will start looking through and get up to speed with all this

Just found this via my own research and could with a little help - received a Formal Demand from Buchanan Clark & Wells sent to my a home address but first parts of name not quite correct but surname is. Called number but was asked for my details inc DOB - declined if they couldn't tell me who/or what the debt related to apart froma company called Thomas Credit Ltd quoted in letter- pointed had no dealings with this company - I gave no details and we are ex directory - to the best of my knowledge I have no debts of this nature and no company has made themselves known to me previously etc. Sent written reply gving no further details as they were not willing to disclose themselves the nature fo the supposed debt - have also checked with checkmyfile which throws up nothing of the sort. Have now received Final Notice - should I just leave it or follow up and what with who?