BCW Falsely Claiming They are Collecting for Aequs Finance

[j1fbo014]

A number of years ago i got dragged into signing up for a home learning college course. I started the course but didnt get on with it, by this time my cooling off period had expired and the finance company that hlc had used was Aequs Finance. Through my own fault i defaulted on the payments, but my way of thinking was if i didnt like the course, why should i have to pay for it.

I didnt hear anything for months from Aequs Finance, then all of a sudden i get a phonecall from BCW claiming that they were collecting the money on behalf of Aequs Finance. I agreed the pay them the installments that they offered, which was the same as the initial monthly fee.

Then i decided to stop paying as i really couldnt afford this with my monthly bills. By this time i had paid £490 pounds to them, nearly half the total sum.

They then send me letters as is usual, but i stumbled across what i think is unfair practices with this company. I decided to phone Aequs Finance and ask them how much i had paid. They told me that the debt had been sold to BCW and all contact should be to them.

Whenm i confronted BCW with this they told me that they had not bought the debt.

i have now requested a CCA from BCW and they have told me that they are putting the case on hold, and they do not hold CCAs (they returned my £1 postal order) they will contact their client Aequs finance to send me one, but they are falsely claiming that they are collecting on behalf of Aequs Finance.

Is this illegal? are they being fraudulent in their actions? can i claim any of my payments made to them back?

What makes me angry is the fact that these companys can sell my personal information which is confidential between me and the original creditor. How is this legal?

any help would be much appreciated.

i have prepared a strong letter telling them that i know the full situation and that they are being fraudulent in their actions, requesting a CCA from them again and reminding them of the credit acts and requesting my money in full back from them, but i have not posted yet should i post it? or just let them get away with it?

[cashins]

Hi

 

Welcome to CAG.

 

What makes me angry is the fact that these companys can sell my personal information which is confidential between me and the original creditor. How is this legal?

any help would be much appreciated.

 

 

Yes they can if it is in the original contact you signed, (be suprised if it wasn't). As to the rest, the moral of the story is DON'T talk to collectors on the phone, they will lie through their teeth knowing you can never prove it.

 

As it stands now the CCA request you have sent regarding this account is in default. Until this is satisfied neither they, nor anyone else for that matter can force you to pay unless they can come up with the paperwork.

 

Sit back and make them prove it>

 

David

[j1fbo014]

thanks for the reply david. should i send the letter that i have prepared, or should i just leave it until they reply again. As it stands they are trying to say that they are working on behalf of the finance company and they are not. therefore they sent me a letter saying that they would not be sending me a cca and sent my po for £1 back to me, so the request i made is not valid, whats to stop them doing this again?

thanks