Hi I have been getting offers of a "reduced" figure for just over 100pounds. I was in a repayment arrangement with peachy, and payed off over half the loan, but couldn't keep these payments up so offered them £1 a month (and sent it). They said that 1£ pcm wasnt a reasonable amount to pay it off, but it's all I can afford (well can't really) so kept sending it anyways. They warn that the DCA may add fees and whatever. I'm sure if it went to court the order would be £1pm. My question is should I keep sending the £1 to peachy or try and deal with this DCA? What happens down the line when I haven't given the DCA anything? Cheers in advance

I took out a payday loan in 2012 for £100, i believe it has been that long, i can't remember. I got in to financial difficulty and ignored the loan, silly i know. Today i received the following letter : Client: BCW GROUP(Gothia) limited creditor: Wonga-purchased payday loans account BCWF Ref: ****** Client Ref : *********** Dear Mr * We have been instructed by BCW GROUP(Gothia) limited to recover an over dude debt of £319.48 on their behalf. Our client has informed us that they are unaware of any legitimate reason for non payment on your account. Whilst our client would still like to settle this matter amicably, fai;lure to contact us to discuss your account and arrange a suitable repayment plan could result in us recommending our client to consider possible legal action. You can prevent the above action being taken by contacting us immediately, to discuss a solution which we will take account of your current financial circumstances. I'm not disputing I owe the money I would like to know, how to go about sorting it out. I am on benefits as I have serious mental health issues, and it's starting to effect me mentally all ready with worry. Any help or guidance would be so appreciated, I know not to ring them.

Hi i got defaulted by Gothia on 2 accounts, both for payday loans under £300, one for wonga and one for another company i can not remember as it was in 2010, i have asked by phone for the defaults to be removed, they definitely no!! can i ask for a default notice as i can not even remember getting them, i have paid off one of the defaults and i currently am paying off 20 quid a month for the other one, which is down to 160 pounds at the min, since it is such a small amount if i wrote them a letter do you think they might remove it? they are the only two defaults i have plus i do not have any other debt with anyone else, this is really effecting my credit at the min, can i do anything at all?..... .. any advice would be appreciated, thanks

Hello all, I have recently viewed my Credit Report as I was declined credit on goods I wished to purchase and noticed that Gothia Limited placed a Default on my file dating 06/10/2011 to the sum of £168. Doing a little digging into this I uncovered that in my last year of university my ex-girlfriend purchased some goods from h&m in a 'pay after you have received them' type situation. The start date is listed as April 2011 which is when i assume that she had ordered the goods. I do recall receiving some (what I deemed to be) incredibly suspicious letters regarding monies to this amount owed, however I naively discarded them as spam - i genuinely did not have a clue that it was regarding a real debt. I also vaguely recall the names of various companies whilst reading on this forum: red castle (spelling?) Buckanan Clark Wells (Spelling?). I recall receiving this communication to my parents house where i currently reside - i have not been to the previous address since the year that we lived there. I have attempted to read through all of the various threads on here regarding advice on these matters and on various other websites - much to my dismay I am still rather non-the-wiser as to what I should do. Again apologies for my ignorance on the matter but i truly have no idea whether to communicate with them and attempt to pay and have it marked settled or simply wait until what i understand to be 06/10/2017 when it would drop off automatically. If i have omitted any information please do let me know and I appreciate any advice. Kind Regards

My husband and I have done all we can to settle any debt incurred while he was out of work. Now we have received more than 1 letter from UMS in connection with a 'debt' to HFO Capital Limited, which I can't recall offhand. The letter shows large, purple letters stating: PROPERTY VISIT before saying they have been instructed to organise a visit to our property to collect the full balance due or make arrangements for this 'long-overdue' debt to be repaid as quickly as possible. I've just drafted a CCA letter to send and was just wondering what else I need to do or be aware of. Do I need to keep my house door locked?

Forgive me if this has already been posted about but A couple of weeks ago Gothia Emailed me regarding my outstanding loan with PayDayuk (£100 loan - I was desperate) but they got the completely wrong details. Wrong name etc..They have since sent a weak apology for this admin error but I see this as a major cock up. I'm wondering how many other people were affected by this and how many of those people are allowing Gothia (BCW) to simply sweep the matter under the carpet as they are trying to do. It's been a while since I was very active on here but my CAG senses still began to twitch when I received the Email with the incorrect details in it. I have sent an Email to them asking what they intend to do about compensation, how they intend to reassure me that my details are safe with them in the future etc etc. This matter will need to be reported to FCA etc, unless they see fit to 'shut me up' by writing off the debt that is

Hi guys, please bare with me as I am new to the forum, I have read numerous posts about these Idiots, I do apologise if I am posting this in the wrong place...anyway here goes... On 8th June 2013 I received a letter from BCW group/Red Castle Recoveries/ Gothia. Letter stating "We have written to you previously in regards to your outstanding loan with Motonovo finance, which despite numerous attempts to resolve with you the above balance remains unpaid." They then go on to tell me how lucky I am and that this is a great window of opportunity for me to write off the balance with any realistic offer. It was car finance I took out on 24th March 2009, the car I bought was falling apart from day 1, Car was on road for approx 3 months then was left in garage where purchased as I refused to pay a £1000 to have vehicle repaired. (long story) I had the Financial Ombudsman involved in a case of which I can't remember the exact details, and the car was taken back by finance company on 16/6/2010 , I can't remember any more details from back then unfortunately apart from I had received some calls off Gothia and I told them all I could afford to pay and i'm pretty sure they closed the account, I made a payment of £660 on 8th July 2010. After I received this letter 8/6/2013 I looked online for help and found this letter... Dear Sir or Madam: ACCOUNT NUMBER: XXXXXXXXX YOUR REF: XXXXXXXXX I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY Despite my previous correspondence, a copy of which is enclosed for your reference, you continue to bombard me with unwanted phone-calls and letters in regard to this alleged debt. Therefore, you leave me with no alternative than to request that you send me a true copy of this credit agreement before I will correspond further on this matter. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974, and I am entitled to receive a copy of my credit agreement on request. Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter. I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. Also, since you are a Debt Collection Agency, I would also ask that you supply a signed true copy of the executed deed of assignment for the above referenced agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974. For the sake of clarity, may I also draw your attention to the following: Consumer Credit Act 1974 s.175 Where under this Act a person is deemed to receive a notice or payment as agent of the creditor or owner under the regulated agreement, he shall be deemed to be under a contractual duty to the creditor or owner to transmit the notice, or remit the payment, to him forthwith. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. In summary, I DO NOT ACKNOWLEDGE THIS DEBT AND THEREFORE REQUIRE YOU TO SUBSTANTIATE THIS BY PROVIDING THE FOLLOWING DOCUMENTATION BEFORE I CORRESPOND FURTHER : 1. True copy of original signed executed credit agreement 2. FULL Statement of account 3. Copy of the executed deed of assignment from CIT and Red Castle Recoveries. 4. A fair processing notice. As you are aware, 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. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. Further to the above, please ensure that any contact by yourselves is made in writing only to the above address. Telephone calls and personal visits will not be accepted and viewed as harassment, and will be reported to the relevant authorities. I look forward to hearing from you within the statutory time limit. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully In reply to my letter I have received a small note saying thanks for your letter of which the contents have been duly noted (yet they have tried contacting me through another number and company RESOLUTION, ringing off a local number) , a photocopy of what looks to be the original agreement with original creditor and a copy of the statement from original creditor, 5 days later I received a copy of the statement from original creditor, I have NOT received a deed of assignment or a fair processing notice (not sure what this is). Is there anyway to find out if they actually own this debt? What steps should I take next? This is all in my grandmothers name and she is getting very worried about it, Any help would be greatly appreciated, thanks in advance guys, hope to hear from someone soon

Evening all. I'm posting for some advice, I've searched around, and I can't seem to find anybody else in the same predicament. I'm a monthly paying member of Experian. Last week I received an alert saying my information had been changed. I logged on to find that a company named "Gothia LTD" have registered a default against my name for £51! This is in my name, but the address they have supplied for me is INCORRECT! It's not a previous address, or a linked address. It's just INCORRECT. I have NO IDEA who they are, and have certainly never had dealings with them. I called Experian to report this who said they would contact them and investigate. They also recommended I contact them personally too see if I could sort it out. I did. The person on the end of the phone was less than useless. I think he was probably a new member of staff, he didn't sound very confident. I explained the situation. He faffed about, trying to stick to his script I imagine, until he got so flustered he put me on hold. He then, after a while Transferred me to "Lisa at Buchanan, Clark and Wells" I don't know why. I again explained the situation. Lisa, better at sticking to her script, repeatedly tried to get me to pay a random £51 and that if I did, the default would be marked as satisfied. I had to interrupt her after a while and be pretty assertive to make her shut up for a minute and LISTEN. I explained that I have never had any dealings with either company, and that as they had INCORRECT details for me, it would have been IMPOSSIBLE for them to contact me. I asked her to explain what they were supposedly chasing (I must be right in thinking that the Debt must be pittance as I assume these agencies would have added costs to make the £51 total) She relied. "A debt from Wonga"?! I have never even watched an entire TV advert for wonga, never mind used their service. She then changed her mind and told me it was H&M, as in the clothes shop. I asked her how I could possibly owe a clothes shop any money. She said it must be a store card. H&M DO NOT DO STORE CARDS. Or any other means of credit as far as I know. Unfortunately I couldn't get much sense from her, in the end I asked her to send me proof of any debt then I hung up. SO, to summarise... I have a default on my otherwise okish Credit File from companies I've never heard of, who couldn't possibly contact me to let me know they're chasing me for money. They can't seem to tell me who they're chasing for, and I don't think they even know who they are. Any advice? I would really appreciate it. I was supposed to be applying for a mortgage at the end of the month. That's not going to be able to happen now. How can a company just throw a Default around so easily. Especially as they can't or won't prove that I owe anything, and that they could'nt possibly contact me to let me know. Thanks guys!

Hi all, had a debt thats done the rounds over the last few years and ended up with Gothia. Sent them a CCA Request and got a letter back in May 2010 saying they couldnt provide an Agreement and that the account had therefore been closed. Now, 18 months later, I get one of those stupid Provident letters asking if I would like to pay it off via an "interest free" (?) loan and that their rep will be calling ( Oh, you bloody think so do you ????). Actually, no I wouldnt ta, and if memory serves me correctly, this is now well and truly Stat Barred ( original debt around 2004). But is there anyway I can drop Gothia in it? Are they entitled to flog it on after admitting they cannot provide an Agreement or do I just get on Providents nerves with a Stat Barred letter? Thanks all.

Hi There I had a credit account with H&M Online, I've been having trouble paying the monthly amount due to not having a lot of money and job troubles, I did inform them of this and offered to make a smaller payment a month until things improve the balance currently stands at £315.45 most of this interest and charges. They assigned the debt to a company called Gothia/BCW Group I've never heard of them before, I'm not sure if they've brought the debt it just says legally assigned to them, they sent me a letter today asking me to contact them and log on to the website to see exclusive offers etc. Money is extremely tight I can't offer a lot, they've threaten bailiffs and court action which I don't want to happen but I'm just unsure of what to do, any advice would be much appreciated.

Hi all, be gentle please this is my first post! Ages ago I took a payday loan from Wonga. Fell into the usual trap of pay bacl, re-loan, pay back extend etc. Anyway after lurking on these forums, I took the plunge defaulted and set up a repayment plan which Wonga, to be fair, were very reasonable about setting up. The last time Wonga took payment was in February 2011. When they took nothing in March, I assumed I was all paid up and thought nothing else of it. About 3 weeks ago I received a text saying that my loan was paid in full and inviting me to re-loan - as if! Then today, I have received an e-mail from Gothia saying the loan has been assigned to them and I owe around £1100. I have done some calculations and been through bank statements to figure out exactly what I owed/have repaid. The original loan was for £1048.11. I have repaid in total £1220.82. So I have repaid the debt in full and about half a month's interest on top. I am in a real quandary as to what to do. I have had no communication from Wonga whatsoever about any amount outstanding, no texts, no e-mails, no phone calls until the text last week. I really don't know what to do for the best? Can anyone give me some advice please. Thanks in advance for taking the time toread this post.

Hi there QQ have sold my debt to Gothia, fair enough - it was what I was expecting. However, Gothia have only sent me an email offering me two settlement options - which there's no way I can afford, a monthly payment plan is the best i can do. Does anyone have any contact info for them as i can't reply to the email (not a valid email address, apparently). Or, should I wait for them to email me again with another offer? Thanks