BCW & Cat debt

[Captain Spaulding]

purp, the situation is quite clear here. First thing I should add is DO NOT get stressed over any of these letters coming to you. It all feels VERY personal right? Wrong....

 

These are classed as threat-o-matics, letters than are computer generated and mass churned.

 

Did you send the prove it letter recorded (and NOT signed by you of course)?

 

If so, reference the date they signed for it against the date of the threat-o-matics, is there any cross over? If so, oh well its just bad timing.

 

If not, send them a letter like this:

 

Dear BCW,

Thanks you for you letters threatening legal action, they have been noted and kept for complete audit.

 

I am concerned with your conduct on this case. As member of the CSA, you will be aware of The Office of Fair Trading: Debt Collection Guidance Section 2.8, Subsection 'i' which clearly describes a deceptive and/or unfair method as:

"failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued"

I would also like to direct you to The Office of Fair Trading: Debt Collection Guidance Section 2.8, Subsection 'k' which clearly describes a deceptive and/or unfair method as:

"not ceasing collection activity whilst investigating a reasonably queried or disputed debt."

I now have evidence that BCW has contravened this guidelines in at least two occasions despite the fact that I have already acknowledged NO liability to the sum outstanding. Please be aware that further contraventions will be reported to Trading Standards and the Office of Fair Trading.

I will refer you to my letter dated which was sent to your registered office recorded delivery via Royal Mail however in respect to clarity, I have attached said letter.

As requested, I require you to provide evidence as of my liability for the debt in question and if no such proof is provided, I require written confirmation that this account is closed

 

Yours Faithfully

 

Me

Edited July 7, 2008 by Captain Spaulding

[Captain Spaulding]

Cheers BB, I've updated to take into account the OFT Guidelines rev 2006. Feel free to use/alter as you like

[Captain Spaulding]

Awesome! Don't send the cheque, this is only a prove it letter not a CCA request!

 

Post back when they reply..... Oh n don't stress!

[Captain Spaulding]

Exactly the same letter I got when I sent them a prove it letter. Now, just sit back and wait. You are correct, the term 'invoice' is misleading. Unless its a executed CCA then you're laughing!

 

Dont forget that the prove it letter is the start of the process, next steps are CCA's and statements, then you could go for SARs etc etc....

 

I learnt quickly that its one step at a time, you make your move then see how they try and counter it. Based on what they provide will create the strategy behind your next move

 

The answer to your question on how many people put up with being bullied by these cowardly thugs - hundreds of thousands!

 

The tide has turned!

[Captain Spaulding]

The 'invoice' bit is standard spew from these miscreants - whilst the logic of it remains unknown, ******* on their brigade seems great fun!

 

I'm also awaiting the 'invoice' (oh and the threat-o-matics have stopped), cant wait to get it as I think I will be quoting the limitations act

[Captain Spaulding]

purp, dont worry about it. Send the 'prove it letter' recorded delivery and dont sign it.

 

This should put your account in dispute (which should then stop the threat-o-matics)