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.

Hello I'm hoping someone will be able to give me some advice. Last week I received 2 letters. The first was from BCW asking for me to verify my address and that they needed to communicate with me about a 'private matter'. I subsequently received a letter with a Barclays letter head stating that a debt (£1900) with them had been transferred to BCW and that I should now pay this in full. No breakdown of the debt was provided but an old current account number was quoted. I did hold an account with Barclays until 2004 when I switched to the Coop Bank. I moved address at the same time and so have not received any further statements or correspondence from Barclays since then. From memory I am sure that I instructed Barclays to close the account in 2004 but I don't recall if this was done by telephone or letter. I don't have copies of correspondence from this time. It's clear from other threads that I should avoid telephone contact with BCW. I need to know how they/Barclays reach the figure of £1900. It seems possible that Barclays left the account open. If that happened there may have been one or two small standing orders to charities which I forgot to cancel and which have simply accumulated over the last 10 years. What should I do now? Presumably Barclays will have to provide me with statements over the last 10 years to show me how this debt has built up. Can I ask them to let me have this bearing in mind that BCW are asking for all communication to go through them? Also, would there have been any onus on Barclays to contact me when it became clear that the account was inactive - no income going in, no cash withdrawals, just possibly 1 or 2 standing orders? And would they have been able to keep renewing the annual overdraft without my agreement? Any help on what to do would be much appreciated.

BCW have been chasing me re an alleged debt to Orange and I must admit I have just been ignoring them, however a few weeks ago they threatened me with a home visit so I sent the letter which I got off here to say you get not visit my home and I will only communicate in writing. Below is their reply: The stage in which we issue a letter regarding a Home Visit forms part of our automated process. This is pre-determined by Orange. A Home Visit is only proposed when every other available means of contacting you has been exhausted and an amicable resolution in this matter remains absent. We have attempted to contact you on a number of occasions prior to our letter in which we advise of our intent to arrange a Home Visit. We are therefore satisfied that we have afforded sufficient opportunity for you to contact us to discuss this account. The case you have referred to is not applicable to your circumstances. As part of the agreement that you entered into, you agreed to repay the full outstanding balance and that where necessary Orange could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection. We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such monies. The OFts Guidance on Debt Collection reference to making an appointment on field visits relates to, where say, the agent has called round and advised by the customer that it was not a convenient time, then he should make another appointment. An appointment is not necessary for the initial visit. lf however, the customer is not there at the agreed time, then the agent can call again at an unscheduled time. ln relation to your request for no telephone contact I confirm that we have removed all telephone numbers held for you, from the account. Please note payment is now due therefore please contact our office on 0845 117 025g in order to discuss the repayment options available to you. A cessation of collection activity will remain on the account for a further 10 days in order to afford you sufficient time to contact us. We are a member of the Credit Services Association who can be contacted in the event of you remaining. Would appreciate some advice – shall I reply to this, just ignore them or just send them a cca?

Good evening, I have a contract with EE due to a health problem I am no longer able to work or afford to pay the contact and EE have sent the debt to Buchanan Clark & Wells and I sent them the template letter regarding door step visits and I got the following reply from them; Dear Mr *****, I write with regard to your email of 10th November 2014, issued in relation to the aforementioned account. I can confirm we have undertaken substantive investigations into the issues raised in your above referenced email and have concluded that your complaint has not been upheld. The reasons for this are detailed below. We note your reference to the Armstrong v Sheppard & Short Ltd case however the case you have referred to is not applicable to your circumstances. As part of the credit agreement that you entered into, you agreed to repay the full outstanding balance and that where necessary the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection. We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such monies. The OFT’s Guidance on Debt Collection reference to making an appointment on field visits relates to, where say, the Agent has called round and advised by the customer that it was not a convenient time, then he should make another appointment. An appointment is not necessary for the initial visit. If however, the customer is not there at the agreed time, then the Agent can call again at an unscheduled time. In view of the above, we would invite you to contact our office to discuss the repayment options available to you. I have authorised a further 7 day delay to be placed on your account to allow time for you to contact our office however please note that when the delay expires, our collections activity will resume. We are a member of the Credit Services Association who can be contacted in the event of you remaining dissatisfied with the conduct of BCW. The Credit Services Association will consider your concerns as an impartial external arbitrator. Please do not hesitate to contact us on +44 (0)845 111 0411 should you require any further assistance. Yours sincerely Now, I think I read a topic once when another person got the same response but I cannot find it any where and I have no idea what I need to write to send back to them. If any one could help I would greatly appreciate it. Regards.

Have there been any recent changes in what cca request we send ie Credit card cca and loan cca? Mr W

HI Guys Hope you can help - my partner just had a look at there CR and has an ok rating apart from a few credit cards and searches and 1 default - thing is the default is with BCW - for an apparent provident debt She called Experiean to find out what the debt was for - who directed her to call BCW - where she spoke to an absolute cretin of a man who by the way was incredibly aggressive, and totally unhelpful. The debt was apparently taken out in 2008 and defaulted in 2009 - however My partner is foreign - and has only lived in the UK since Aug 2010 She had lived in the UK before in 2001-2002 (working holiday @18 ) She then permanently moved over in 2010 - so I fail to understand how she could have racked up a debt for over £1000 without being in the country. When she tried to reason with the guy over the telephone - and asked him what documentation they need to prove the debt is false he literally said "that's up to you" - He will be sending out the apparent original agreement - ( my partner did ask him why he needs to send this out as it is obviously not her, but he is sending it out non the less) My question is - where do we go from here - what type of documentation should we be getting together as proof that she was not here around that time. As a side note - from what I have read defaults stay on record for 6 years - the "account" was defaulted in Oct 2009 - would it just be worth waiting until October for it to fall off ? Any advice you guys could offer would be great Buma

I have posted before about this debt but felt a new thread was needed. Long story short - my mum (70) was conned into signing for a mobile phone contract by my brother (history of drug abuse and criminal convictions as long as your arm) with the promise he would pay the bills!!! Needless to say he payed for a while and then stopped. Debt 1 - 2002 with Vodafone, £1356- now with Lowell. Tried going down Vodafone route- but no joy there. Lowell contacted my mum about 3 years ago by phone and she was so scared she agreed to pay £50 a month - until I found out what was happening and stopped this. Debt 2 - 2012 with EE, £691 now with BCW. I have asked for original CCA's but have been told mobile phone contracts don't come under this legislation. My mum has recently been through treatment for skin cancer, is in early stages of dementia, lives in a charitable almshouse flat, and I have authority to deal with all this for her. BCW have threatened a doorstep visit despite me telling them she will not be able to afford any payments. Lowell have asked for a Dr's letter and income/expenditure details. She is too scared to go to the Dr and feels ashamed to have to talk to her Dr about this. I have been told never to send income details to these companies. She has her state pension and a private pension and qualifies for pension credit - She just about manages but I help her a lot so she can have some peace of mind. I am stuck as to know what to do now- we don't despute the debt but she is just not able to pay it off. Any help will be greatly appreciated. Kind regards

Hi - have just received a phonecall and then a letter from BCW re a loan from Barclays. Story is took loan about 7 years ago paid regularly till a couple of years ago and then due to financial problems agreed a reduced payment plan (if we continued paying original amount loan would be finished by now), loan has been paid its just the interest we are paying off. Spoke to Barclays to find out why BCW are contacting us as they are still taking money out every month, last payment was on 20/05/14 only to be told that due to payment not being on time in Feb they have handed us over Payment was made in Feb but was late so not in arrears, they did not contact us to advise. have a couple of queries: 1) Can BCW use Barclays letterheads? Letter I have has Barclays logo and an their Collections and recoveries address in Manchester also Barclays telephone number, but in the letter they give another contact number and use a different address. Surely this is wrong as they are not part of Barclays??? 2) If Feb's payment was late and they have handed us over why are they still taking payment. Surely if they are still taking payments debt should not have been handed over? Please advise. Am a big fan of CAG have been able to help me out so many times over the years. Sharon

My son has come to me today completely shattered, BCW have ruined his credit rating with a debt which was wiped out in 2010 from provident due to thier collections agent not making the payments given to her and taking out fraudulent loans in her customers names. How can I help him to get his credit file cleared I know what its like to try and deal with these , but he has always paid his way and I know he made all the payments on this loan and the balance of 300 odd pound was totally down to his payments not being credited to his account by the agent. I did write to BCW for him to explain what had happened but we had the standard response of we bought the debt in good faith and our client has confirmed the debt is correct, his credit file was excelent two months ago but now since BCW it has gone down to poor as they have updated the records on 23/03/14 showing a default date of 15/11/2009 how can they apply a default that old now without investigating it properly and dose the default stay 6 years from the later date or the date of the default this is all so unfair, but the credit ref agency and BCW work like thiefs together against people. and lastly how can they apply a default to an account which is clearly in dispute. Any and all help and advice would be most appreciated.

I have a problem with BCW GROUP [debt collection company] I had bad debt with provident home credit in 2009, could not pay and they sold the debt to BCW GROUP in 2010 1 of the 2 have put a default on my credit record without due process. Can somebody please help and give me some guidance.

Dear all, This is my first time posting here. So I got this letter a day ago which is addressed to myself and one of my flat mates from University with which I shared a flat with. The letter has his name and mine and also has the address I used to live at up until early May 2013 as well as the address I currently live at. The letter states the following: Dear X (my name) Y (his name) We are trying to contact X Y with regards to a private matter. We have confirmed your address through a credit link obtained via a credit reference agency as being the same person who previously lived at the original address above. Please contact us on 0844 571 4658 quoting the aboce reference number and one of our operators will be avalable to take any relevant details to resolve the matter. If you believe that you are not our customer, please contact us as soon as possible on 0844 571 4058 to enable us to amend our records and remove your address from our system file. Yours faithfully David Smith For and on behalf on Buchanan Clark & Wells I can't remember any debt or anything whatsoever really. What is the best course of action in your opinion? Thank you in advance. Regards

Hi guys, These morons are chasing me for a alleged debt from 7 years ago, that is SB'd now and has never had a CCJ against it. I've sent them the SB letter from the templates on here by recorded delivery and they've signed for it yesterday. What do you think their next move will be? Will they just give up now or are they likely to keep asking for this alleged debt? also will this affect my credit file now? Thanks

Hi everyone , I have a problem , I had an issue with a loan from Barclays , 5 figure sum , I missed a few of the agreed repayments and the debt has now been passed to BCW , of whom I know nothing about . I have received numerous calls which I have not answered and also numerous txt messages . I have emailed them with the same repayment offer I had with Barclays but have had no reply . I have had a bad year , divorce , ill health etc , although I know this is no excuse , but things got on top and I just didn't pay Barclays . Im not sure what to do ? can anyone advise please ? many thanks .

Morning All, Have a bit of a situation with Scottish Power and Buchanan Clark and Wells, which I need some advice on.... Left Scottish Power with a final gas and electric bill. Paid the electric bill, which they allocated to the gas account, and made a payment arrangement proposal along with a partial payment to the gas account. All of this was done in writing. The cheques were cashed, but no response received. Made another two monthly payments directly to Scottish Power, in accordance to the payment arrangement proposal. Letters were sent asking for responses to the previous letters. In the meantime, I was notified that a default was going to be registered against me for the electricity account, which they said was still outstanding, despite me sending proof! I finally managed to raise a complaint directly with Scottish Power, which in turn led to a removal of the default, and an offer of £50.00 compensation. I accepted the offer, but didn't accept their explanation as to why my letters were not being responded to. Any way.....I owe £52.00 and have told them that I would make the payment by the end of the month. Whats bothering me is Buchanan Clark and Wells..... They have been writing to me for nearly 3 months, threatening me with court action home visits etc. I sent them the following: Dear Sir/Madam, Further to your letter dated 3rd August 2013, please note the following: An official complaint has been instigated regarding the actions of Scottish Power. A payment plan is currently in place with Scottish Power, and is being maintained in accordance to that arrangement. In response to the contents of your letter: 1. Application to the court to obtain a county court judgement. I invite BCW to take me to court, whilst: a. A payment plan is being maintained, and such BCW would have difficulty obtained a judgement in their favour. b. An official complaint has been lodged against the claimant. 2. Threat of warrant of execution. This threat cannot be executed without a county court judgement being obtained. 3. Refer the account to a third party agent to visit me. Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me over the past few weeks and these have been duly logged by time and date. Should it be your intention to arrange a doorstep visit, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you. There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. Please also note that the amount being sought by BCW is incorrect. In light of the above, please also be advised of the following, that should it become necessary to write to you further, I will be charging for the time that is involved in responding. A charge of £25.00 will be made and will become due within 7 days of any response being issued. They then wrote to me with a final response letter: It started off along the lines of BCW acts in good faith, we haven't heard anything from our client so the debt is due etc. But here is where it gets interesting..... With regards to doorstep visit, this was their response: The case you have referred to is not applicable to your circumstances. As part of the agreement that you signed and entered into, you agreed to repay the full outstanding balance and that where necessary the creditor could recover the debt to a third party, which included by way of doorstep collection. We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidelines to recover such monies. The OFT's Guidance on Debt Collection reference to making an appointment on field visits relates to, where say, the Agent has called round and advised by the customer that it was not a convenient time, then he should make another appointment. appointment is not necessary for the initial visit. If however, the customer is not there at the agreed time, then the agent can call again at an unscheduled time. With reference to the response charges that I would be serving them with: Please note that there is and will not be any agreement as alleged or at all in the aforementioned letter with BCW Group (Gothia) Limited or the original creditor that will result in monetary remuneration under the terms outlined in your letter. Any such agreement alleged or otherwise is hereby rejected and not recognised by BCW Group (Gothia) Limited or the original creditor. I have refrained from responding to them, until seeking some advice, but I received a letter today from BCW telling me that they would be sending a doorstep collection agent to me in the next seven days. I have 2 questions..... Is the doorstep collection allowed given the response BCW have made? Are BCW correct in their response about me charging them £25.00 to respond to them? Normally, I would not bother with this, but after 8 letters to Scottish Power, 6 letters to HL Solicitors, and 4 letters to BCW, I'm getting a bit frustrated..... I've posted this not to get a comment regarding my situation with Scottish Power but to clarify the position that the debt collector now states. It may be useful to other caggers, for clarification.

Hi there. Ran into difficulty paying my t-mobile bill, which has now ended. Contacted by a company called Buchanan Clark and Wells demanding payment of £155.21. I checked my t-mobile account, and am still able to pay off my balance on their website, which comes to £140.21. I emailed BCW saying if I can pay them, why should I pay a DCA? I then to be safe set up a payment agreement at BCW's website, and paid on the 14th September by bank transfer. Received however a letter today stating that they would be making a home visit as the agreement has not been honoured, despite having my own evidence that I sent the bank transfer. Despite this, the balance has not been changed to reflect this. I have sent an angry email along these lines to ask why a payment has been ignored. I refuse to communciate with them by phone, only be letter or email. I will soon have enough money aside to pay off the tmobile bill, shall I just pay tmobile directly and tell BCW where to go? Thanks!

Had a letter from GPB Solicitors regarding an Orange Mobile Phone Account. Now to be fair, I did have an Orange Account which I had closed down some time ago. Started receiving letters from BCW regarding a tracing of the account, then they settled on being the person they were looking for. Started receiving letters from them regarding payment. All sent second class and some arrived after the date they wanted payment. Idiots! Interestingly the letters they sent over the course of a couple of months all had various different balances from £180 - £90 to now owing £265.00 to GPB Solicitors Lots of may's / could etc in the letters including the following line "However, failure to respond could leave us with no alternative other than to take legal action against you." Ignore? Will be making a complaint to Orange to find out what has happened and why. I suspect they've not cancelled the contract correctly. Ironically I have a contract with EE which is being serviced correctly so I'd love to know what they think they're playing at Do I need to inform GPB also or should I replenish my supply of toilet paper Thanks Caggers

Just after some help. These guys are after a debt at a different address. I called Npower and gave them my last meter reading and told them that I was no longer at the address. Months went by and I finally got a bill from them, however, I could not remember the reading but the supply date was dated a couple of months after my call. I obviously questioned this - again and again. Finally, Npower, through BCW confirmed that the meter reading being used is from the one supplied on the 10th Jan 2011 but they continue to send me letters claiming the same, wrong supply date, despite this call being for the sole reason of informing them that this was my final reading at this address. I've not had chance to check the meter reading as I took a photo of the meter which is on another, uncharged phone but the date sounds right. I was wondering, am I being unreasonable expecting them to at least supply me with a correct supply period? They are asking me to send them a copy of my new tenancy agreement and some other stuff, but surely, if Npower have said that the meter reading from the 10th Jan is the one they are using as their final bill it stands to reason that this is also the end supply date and not a date nearly 3 months later. Do they think that with a household of 5 I went a few months with no gas or electricity? In my frustration I also threatened to go to the FOS if they continue to not supply me with the correct details. Can I do this as they seem to think that because the actual agreement is regulated by the Energy Ombudsman Services then I cannot go to the FOS regarding their conduct? Thanks - Lee.

Hi, Hopefully this is posted in the right area. My girlfriend has received a few letters from BCW chasing her for an outstanding debt of 8K from Aktiv Kapitol (think that's how you spell it, haven't got the letters with me!) Firstly the letters are in her married name. She has been divorced nearly 2 years and has been using her maiden name again for the last 3-4 years. She has never had a credit card/agreement with Aktiv Kapitol, so has ignored these letters. After looking through these forums, i now believe they have probably taken over the debt from someone else. She has checked her credit report, which shows an entry for Aktiv Kapitol starting in Sept 2007 and defaulted as of Oct 2009, although there are no other entries for this and no payment was ever made. There are no other credit cards/agreements shown as in arrears/defaulted. She and her ex-husband got into financial difficulty before they split. She is still on the mortgage of their house, but as it is in negative equity, the mortgage provider won't release her from it until it is in profit and he can remortgage on his own, which i can't see happening anytime soon. She lives with me but is a stay at home mum, with no income of her own other than child benefit and child maintenance from her ex. I pay all the household bills for us all, so she just spends what little money she has on running her car, phone bill and stuff for herself and the kids, obviously supplemented by me where i can. Bear with me as i'm nearly there! She has now received a letter from BCW stating that they are now going to send round a door step agent?? What if any powers do these people have, if in fact the debt is actually hers, having been passed on from an old credit card? She has no possessions of any worth and has very little money coming in. As she is now living with me, can anyone go after any of my assets? Can my income be taken into account if she has to come up with any kind of payment plan? Any advice gladly received. Great forum by the way!

hi all buchanan clark wells send a notice that never answered, now they send me a final notice for a debt that I do not own from a coffee shop that I gave up 2 years ago the bill is for e on energy solution limited from mid 2009 to start 2011 of £600 precise, so now what should I do I will not respond to them anyway. is there a statue of limitation to a debt I was trading as the name cafe

Hi All, I've received a letter from BCW Group saying they are trying to locate a Nuclear Shark. Apparently my address is from a linked record on my Credit File. The address they've given is a fairly old one. Stupidly enough they have spelt my name very, very slightly wrong. Checked the CRA's and everything seems in order, no defaults other than the ones I am already dealing with. The letter states "If I believe I am not their customer please contact us on number" I haven't purchased anything from BCW nor do I have any dealings with them. That being obvious considering they are a DCA So should I ignore them? Or write a letter saying I do not acknowledge anyone by that name? Is it just a letter chain and eventually they'll go away?

Morning Guys, Just a word of warning. The above have just got sneakier! Our phone rang this morning and looking at the display, it was a local number ie my local STD code so I picked up to find it was Red Castle who are most certainly not based where I live. It appears that they are now using phone technology that gives the appearance that the call is local which means you are more likely to pick up and answer the call. On adding the number to my Choose to Refuse it came up 0141 562 2804 which is BCW. Beware of any local numbers that you don't recognise. Don't pick up, Google it and then block it if necessary. Bel

I have received a letter today from a company called bcw claiming i owe a debt of £310.96 to 02. I had received letters from westcott credit services in the past and after a very hard battle (for 5 years) they finally realised that the debt wasn't mine. Im just wondering if anyone can help me because i really do not this to last as long.

hello, i wonder if anyone can help please, i have received these letters from bcw, i wrote them a letter saying i believed the debts were statute barred and received more letters and credit agreements (i will add them as i received them). in the final response letter it says provident advised bcw that the contracts were taken out in july 2012, but the credit agreements were signed in 2007 which i dont understand, any help would be appreciated Thanks Tim 31/01/2013 Your reference number: B19257901 Client Ref: B12718920 Dear Mr Outstanding Balance: £375.50 With reference to the above account which was previously held by Provident Personal Credit we write to advise you that we, BCW Group Ltd now hold the legal right to collect the full outstanding amount including legal recovery through the court if necessary. We understand that personal circumstances can change and we have a number of affordable repayment options we can offer you to assist in settling this matter. Our trained advisors are waiting to take your call on 0844 571 4015 and are available from 8am to 8pm Monday to Thursday, 8am to 5pm Friday and 9am to 1pm on Saturday. Should you wish to settle this matter immediately by debit or credit card call our payment hotline on 0844 571 4015 all full settlements attract a significant discount. If you have any queries regarding this letter please do not hesitate to contact us, we will be able to help you. Always quote your reference number B19257901 when calling or writing. If you fail to respond to this letter, we will have no option other than passing your account to our debt collection division. Yours faithfully, For and on hehalf of Buchanan Clark & Wells Dear Mr Re:B12718920 - Provident Personal Credit Balance Outstanding: £375.50 NOTICE OF ASSIGNMENT OF DEBT This letter is to give you notice that on 14 December 2012, Provident Personal Credit has assigned all of the rights, title and interest in your debt to BCW Group Limited. The above debt is now legally owned by BCW and has been passed to BCW Group Limited for collection. This debt has been sold to BCW as you have failed to repay, or reach a satisfactory payment arrangement with, ourselves. As BCW now owns the rights and title of this debt, they will take the necessary action to recover repayment of the outstanding balance What you should do. You should contact BCW as soon as you can in order to make arrangements to pay your outstanding balance. Do not contact Provident Personal Credit as we can no longer discuss the matter or receive payments from you. If you have any questions about this letter or your outstanding balance, please call BCW on 0844 571 4015 as they are now responsible for this matter. Text Box: Paul Fergusson - Senior Collections Manager Yours sincerely 12 March 2013 Ref: B19257901 Client: Provident Personal Credit Client Ref: B12718920 Final Response Dear Mr. I write with regard to your letter of 7 February 2013 issued in relation to the aforementioned account. I can confirm we have undertaken an investigation into the issues raised in the above referenced correspondence and have concluded that your complaint has been refuted. The reasons for this are detailed below. BCW Group acts in good faith on the information and instructions issued to us by our clients. We are passed this information on the basis that the information provided is true and correct at the time of issue. We were, at no time, advised by our client of any ongoing disputes or unresolved complaint issues. In this instance, we were passed an account in your name with instructions to pursue for the full balance accordingly. In passing this matter to this office for debt recovery purposes, our client is satisfied that the balance is correct and due. Your above referenced letter is the first contact we have received from you advising that you regard the account to be subject to statute limitations. In view of the points raised in your letter, regarding the account being statute barred we referred back to our client, Provident Personal Credit and asked them to provide further information so that we may assess your concerns further within the context of our client’s instructions. Provident Personal Credit has advised us that the contracts were taken out in July 2012. We have enclosed a snapshot of all payments for your reference. A copy of the agreement has also been enclosed for your consideration. Our client does not consider therefore that the account is statute barred. As a result of this we would not consider that our actions are contrary to the legislation quoted by you and would not therefore consider our actions to be harassment. Provident Personal Credit is satisfied that the balance remains due and collectable. We have therefore been instructed to resume our collection activity and pursue for the outstanding amount. Please contact this office to discuss the repayment options available to you. Alternatively, if you consider the balance to be disputed, please provide further details and any available documentation that supports your contention of non liability. If it is deemed appropriate to do so, we will revert back to our client and ask that the matter is investigated further. I have enclosed herewith a copy of our internal complaints procedure, together with a leaflet from the Financial Ombudsman Service, should you wish to take this matter further. Please note you have 6 months from the date of this letter in which to contact the Financial Ombudsman Service to facilitate resolution, should you remain dissatisfied with this response. Furthermore, we are obligated to advise that you can also refer this matter to the Credit Services Association of which we are a member should you wish to escalate your concerns to an external arbitrator.

Dear All, I am new to this forum so sorry if this is a little longwinded but I thought to be able to give informed advise you would want to know the details. Overview. · November 2000, entered into a contract with Orangefor the supply of network services to two sim cards, the contracts were renewedon several occasions. Most recently in March2010 for both phones in each case for a minimum of 24 months. · January / February 2011, went on holidayto Colombia incurred iphone download charges totalling £1,547.75 covering an eight day period. I would typical spend £1,200.00 per annum for two iPhones,with a typical monthly direct debt of £100.00each month to Orange. · February 2011, in dispute with Orange over overseas IPhonedownload charges as Orange was and is still unable to provide a satisfactory itemisedbreakdown for these charges. · May 2011, £300 settlement offer rejected. Orange issued Deadlock letter. · May 2011, referred matter to adjudication under the Rulesof the Communications and Internet Services Adjudication Scheme (“The CISASRules”) · June 2011, CISAS promulgated their decision in favour of Orange;I did not accept this decision and continued to dispute the data downloadcharges. · October 2012, on 16th October 2012 I received aletter of demand from Orange for payment on my account this being the firstcommunication received by me from Orange since an account statement of 8thJune 2011. I telephone Orange Collections Department to quire the demand andwas informed by a representative of Orange to ignore the demand as it was acomputer generated letter and it was noted by the representative that I wasstill in dispute with Orange and the letter was sent in error. · January 2013, on the 14th January 2013 I received afurther letter of demand from Orange dated 10th January 2013 forimmediate payment of an outstandingbalance of £1,773.17. Again I called Orange Collections Department but on thisoccasion I was informed by the representative that the advice given to me onthe 16th October 2012 was incorrect and I had to pay the amountdemanded within a month or the matter would be passed to a Debt CollectionAgency. I informed the representativethat I was still in dispute with Orange over the charges on this accountdespite CISAS’s decision. Therepresentative advised me that I could seek further recourse from Ofcom, butOfcom would only agree with the findings of CICAS so it’s not really worth it. · January 2013, on the 23rd January 2013 Iwrote to Orange by recorded delivery to express my dissatisfied with theservice and advice received from Orange and sought their comments on thefollowing: 1. What is the reason for the significant delay between CICAS’s decision inJune 2011 and the demands for monies from me now in January 2013? 2. If Orange considered the demand for payment in October 2012 was correct,why was I instructed to ignore the demand by a representative of Orange? 3. If Orange considered the demand for payment in October 2012 was correct,why the delay of over two months before making a further demand, thus reducesthe time in which for me to query and/or make payment in part or full prior tomatter unduly progressing to a Debt Collection Agency? 4. Why on 14th January 2013 was I informed by a representativeof Orange that I could make further representation of my case to Ofcom, whensubsequently checking Ofcom’s web site it clearly stipulates they “cannothandle individual complaints” and refer consumers to Alternative DisputeResolution (ADR) schemes such as CISAS? I alsorequested that Orange provide me with the following: 1. A true copy of my original agreement with Orange. 2. An itemised statement of account detailing how the current amountdemanded on my account has been arrived at. The detail should include all charges and a breakdown plus validation ofdata download amounts and download charges. I also reminded Orange that In February 2011 Iinformed them I did not have the funds to pay the amounts demanded. Thisremains the case even more so today a further two years into the currentrecession. Referring this matter to aDebt Collection Agency will cause delay in concluding this matter and only addfurther to my anxieties and financial burdens with no real prospects ofrecovering any significant monies from me in the near future. (Please note dueto my personal financial situation I have already sought and entered intorevised repayment agreements with a number of my credit card providers and mymortgage provider). I Informed Orange that this whole matter continuesto cause me undue pressure and anxiety which is impacting on my professionaland private life. Therefore, I was cautiously prepared to pay £900.00by credit card (I have no monetary funds) as full and final settlement ofany and all outstanding charges in respect of my Orange account. I believe this is a reasonable offer ofsettlement in the circumstances and would facility a prompt conclusion to thismatter and end our association. To date I have not received a response to my letterof 23rd January 2013. · February 2013, 8th February 2013 at 09.24hrsTelephone message received at home to call Buchanan Clark & Wells (BCW),Debt Collection Agency (DCA). · February 2013, 9th February 2013received a letter from BCW dated 7th February 2013 headed FORMAL DEMAND (in bold black) whichread: Client: Orange PCS Ltd Principle Sum: £2,749.49 AdministrationCosts: £177.32 BCW Ref: XXXXX Client Ref: XXXXX Dear Mr Robert Sandry We have been instructed by Orange PCS Ltd to recover an overdue amount in the sum of £2,749.49. The outstanding balanceincludes an administration charge of 10%to compensate our clients for cost incurred in recovering this debt. Please refer to your terms and conditions forfurther details. Our clients have informed us that they are unawareof any legitimate reason for non-payment of their account and although theywould prefer an amicable settlement, they will not hesitate to commence legalproceedings if necessary. Please call our 24 Hours Payment Line immediately on 0845 117 0258 to make payment by Credit or Debit Card. Paymentis also accepted online at (Web link to paybcw payment website). Please note that is the usage fee plus theadministration fee is paid within the next 28 days Orange PCS Ltd will credit your contract by £799.00 and reconnect your service free of charge. Your contract will be reinstated allowing youto once again make calls. Further airtime is required to be paid to Orange PCSLtd by direct debit. In order for you to avail yourself of this offer youmust call us on the above number. Should there be any matter that you would like tobring to our attention or if you wish to discuss your financial circumstancesin relation to the debt, please call us immediately. Yours faithfully, Buchannan Clark & Wells I am concerned Orange has not respponde to me prior to receiving this deamd and that the demand has increased in one month by £976.32 from £1,773.17 in January 2013 to £2,749.49in February 2013 without an explanation for this increase other than a£177.32 admin charge. Are BCW merelybumping up the principle sum to scare me to pay up and get a £799.00 credit on my Orange accountgoing forward? – Is this legal? Orange customer service has been atrocious, hounding me for payment byletter and by phone, not supplying information requested, passing me from one departmentto another, giving me false information, attempting to take monies from my bankaccount after I had told them I had cancelled my direct debit and had insufficientmonies in the account. Complete lack of accurate and timely information In all the time I have been with Orange I have always paid my bills in atimely fashion until this dispute began I have paid everything I believe I oweOrange and withheld payment for the amounts Orange claim I owe but cannot satisfactorilysubstantiate despite my requests. I have recently checked my Experian Credit Report wish shows it was lastupdated by Orange on 13th January 2013. It shows: March 2011 - 1 month payment of £1,759.00 overdue April 2011 – 2 months payment of £1.766.00 overdue May 2011 – 3 months payment of £1,865.00 overdue Thereafter to date it indicates £0 unable to update. I have no wish be associated with Orange going forward, and wish to dissolveour association as quickly as possible. Imaintain I do not owe Orange the money they claim but if I have to paysomething to make this go away I will. Likewise if Orange continues to demandmonies from me in this regard I am willing to take my chances in court. I have not responded to BCW and would welcome any advice on how best Ishould proceed in this matter. Thank you in advance for any advice or assistance offered. Robert Sandry

Hi All Just a quickie!! Today I received a Doorstep Threatogram from UMS on behalf of BCW collecting a debt owed to Aktiv Kapital. I'm not worried, as I know that all debts I had are now Statute Barred, so I will fire off the SB letter from the library on Monday. I can't remember who the debt was owed to originally, but it's for about £400. I was just wondering if anyone else has dealt with UMS? Thanks QB