hi joncris, thanx vry mch, i will be posting this letter of 2moro so fingers crossed.

thanks a lot, u hae been very helpful

thanks alot rory, sorry but i have one last question, can you tell me how i should set out a letter to bcw, i want to do it right and not sure if i can get hold of a template or something, thanks again

hi i am new, just wondering if anyone can help me, i need to write to buchanan clark and wells in glasgow as i have recieved a letter sayin i owe money and they have a decree granted but i have recieved no court proceeding papers and i think this is because i have moved a few times but i still dont get how after all these years bcw have found me but no court has been in contact, can anyone give me a template to write to bcw to find out exactly what the debt is and dates when decree was granted etc, thanks

thanks very much i will do that, also, if i do this and dont pay them at the moment, it says on letter i must pay full amount by 26th nov. If i dont do this, can they find out my bank details or where i work and arrest my wages?

hi i am new to this site and would like some advice if anyone can help me. I have just recieved a letter from buchanan clark and wells in glasgow saying a decree has been granted andd i owe them £735 which has to be paid by 26th nov. This is from a debt i had about 4 or 5 years ago with bank of scotland when i was a student. yes i stupidly didnt pay my debt back then. The thing is, this is the first i have heard from them. i have recieved no court proceedings letters. My question is, i have moved a few time in the last few years so is this why i havent recieved the court papers? and, the since this is the first letter i have recieved from bcw, why havent they given me full details ofmy debt including the date etc when the decree was granted? i hope someone can give me some advice, sorry for writing so much.

hi i am new to this site and would like some advice if anyone can help me. I have just recieved a letter from buchanan clark and wells in glasgow saying a decree has been granted andd i owe them £735 which has to be paid by 26th nov. This is from a debt i had about 4 or 5 years ago with bank of scotland when i was a student. yes i stupidly didnt pay my debt back then. The thing is, this is the first i have heard from them. i have recieved no court proceedings letters. My question is, i have moved a few time in the last few years so is this why i havent recieved the court papers? and, the since this is the first letter i have recieved from bcw, why havent they given me full details ofmy debt including the date etc when the decree was granted? i hope someone can give me some advice, sorry for writing so much.

hi i am new to this site and would like some advice if anyone can help me. I have just recieved a letter from buchanan clark and wells in glasgow saying a decree has been granted andd i owe them £735 which has to be paid by 26th nov. This is from a debt i had about 4 or 5 years ago with bank of scotland when i was a student. yes i stupidly didnt pay my debt back then. The thing is, this is the first i have heard from them. i have recieved no court proceedings letters. My question is, i have moved a few time in the last few years so is this why i havent recieved the court papers? and, the since this is the first letter i have recieved from bcw, why havent they given me full details ofmy debt including the date etc when the decree was granted? i hope someone can give me some advice, sorry for writing so much.