Hi There I wonder if anyone would be so kind as to help me out with this query? I received a letter from BCW recently asking me to contact them about a personal matter. I ignored this but I answered a call from them today and they told me that I owe £400 to Orange. I do know that I have a 10/month contract that I have missed payments on but I have recently been diagnosed as disabled with depression, PTSD and a lot of other conditions which have made my last few months very difficult and my finances got all to pot. I think my support worker has helped me get back on top although I have forgotten about this phone. This phone was lost fairly soon after I took out the contract and I continued to pay it even after losing iy. But after I missed payments I have had no requests from orange by post, email, phone or text asking me where the money is and as a result of that and my illness I merely forgot until now. But this agency is asking for 400 which is absolutely ridiculous as the entire contract cannot be worth more than 200 in total. I want to just square up with Orange and then pay my contract on a month by month until the end but Orange won't deal with me, I have to go through BCW. The man on the phone was aggressive and accusing and I dont fancy phoning them back in a hurry, at least until I have a bit of a clue as to what I am talking about. I absolutely cannot afford£400 or the reduced rate of £190 to send me back to Orange. I am on disability benefit and barely survive as it is. Any advice over what I should do from here would be most appreciated. The phone call was quite upsetting and led to a stressful experience, even after I informed the man I suffered from anxiety.

Hi everyone. First post here so be gentle A month ago I received a letter from Buchanan Clark and Wells stating that they are acting on behalf of their client, Hoist Portfolio Holding Limited (A company who I have had no dealings with, ever), for a £1000 debt I ran up nearly 9 years ago with a catalogue company. I ignored this letter and then recieved another one around a week ago stating " Notice of impending further action.". They say they are going to advise Hoist to take further action on the account. This could result in CCJ's, warrant of execution etc unless I call them immediately. I could pay the debt off and get it out of the way, but I don't owe them money, I owe it to the catalogue company I ran up the debt with in the first place, don't I? I don't know these people, they could be anyone. The fact that it's 9 years old means it could be SB'd right? If they start sending bailiffs around to my home, would I get any warning first? I'm not entirely sure what to do. Whether to ignore or send them a letter asking for proof I owe them the £1000. What do you guys think I should do? Thank you in advance

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, Having received a verification letter out of the blue yesterday from BCW, I thought I would do a little research into them before responding to them as a. . I hate paying for 0844 numbers. I found so many comments about them, especially on this site but thought I would share my letter as it seems to be slightly different in that the letter is addressed to me at my home address saying that they are trying to contact a My Name how previously lived at the original address above, which is the same address as they have sent the letter to! The rest of the letters is identical to everyone else's but thought this was an interesting twist. From what I have read on this and other forums, I shouldn't respond at all until they say what the "private matter" actually is and when they do say what it is the onus is on them to prove it. And under no circumstances call them, do everything by letter. I will say I honestly don't know of ANY debt that I have. The only thing I can think of is that earlier this year we changed electricity suppliers. I initially chose Spark energy (I can hear the groans already, I know...) but after doing a little research on line and saw the poor comments that they were getting (even on their own website!!!) we decided to go with someone else and I cancelled the order 2 days after the initial application, so well inside the cooling off period. I had a confirmation email from the Energy website saying that this was the case and that the change over had been cancelled. On the next day I received a welcome letter from Spark and assumed things had just crossed in the post/ether. to cut a long story short (trust me I can go on and on about this) they didn't cancel the transfer and started to take the gas and electricity supply which meant my chosen company couldn't get hold of it. In the end the gas was not taken by Spark and passed over to the new company, but the electricity was taken by them, but despite them saying they could do an erroneous transfer back to the original supplier, the original supplier said that they wouldn't take it, so it was transferred directly to the new supplier and that they would invoice for the electricity used. So far I've not received any invoice or request for payment from Spark, so why this would have gone to BCW I don't know, but I wouldn't put it past them. As I say, I really don't know if this is what it is to do with, this is just the only thing I can think of. We do get calls from debt companies asking for people with different names, a Mr Brown and a Mr Westbrooke, but they tell me the address they have got and it is not correct anyway, so didn't think anything of it. Perhaps they have linked my address/name with someone else's debt? Not sure if that is possible, but lets see what their next missive brings... I would like to take this opportunity to thank all of the people that have written on this forum as the comments and advice are really helpful and have reassured me that this is an all-to-common issue that is easy to resolve, just might take a while. As I had a 6 month battle with HMRC last year over my tax, I'm hoping that this one should be a doddle.

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!

ADVICE NEEDED I received this letter 2 weeks ago from this company We are trying to contact Mr X 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 above address. I had not lived at that address for over 13 years so I ignored it,a week later I received another letter from them saying OUTSTANDING BALANCE £151 With reference to the above account which was previously with Yorkshire bank we write to advice you that we BCW GROUP LTD now hold the legal right to collect the full amount including legal recovery through the court if necessary. Than goes on to say fail er to respond to this letter we will have no option other than passing your account to our debt collection division I HAD a Yorkshire bank loan in the past but that was paid of in 2003 and I have hoard nothing from them since. I checked my credit file with equifax and it is clean nothing on it WHAT do I do ask them for proof of debt or ignore them and wait for they next move