BCW collecting debt for lowlife - old barclaycard - help

[dadofholly]

Send the CCA as advised

Send the SAR as advised

Pay bcw if you like - personaly i would not pay anyone who could not prove they were entitled - but that is your choice.

[dx100uk]

sch i'm trying not to make myself look a complete fool.................

 

dx

[BRIGADIER2JCS]

sch i'm trying not to make myself look a complete fool.................

 

dx

 

[123gas]

sorry brigg got alot on my mind

[BRIGADIER2JCS]

Worry not:lol:

[PriorityOne]

 

That looks like me....

[123gas]

well DX i got a reply from bcw which says, I write to advise that we do not hold a copy of the agreement at this office, as we are not the creditor. Under the circumstances your postal order for £1.00 is returned herewith.However, your account has been placed on hold and we have requested our client to send these docuements to you directly. what next????

[Abrigadier]

Wait and see what they come with.

 

123gas it's Brig back on a new name because of problems

with e-mail failing.

[dx100uk]

well DX i got a reply from bcw which says, I write to advise that we do not hold a copy of the agreement at this office, as we are not the creditor. Under the circumstances your postal order for £1.00 is returned herewith.However, your account has been placed on hold and we have requested our client to send these docuements to you directly. what next????

 

in other words, you've exposed their spoofing

 

if they HAD the paperwork they'd give it.

 

def dont pay a thing to anyone.

 

dx

[123gas]

should i cancel the direct debet then even though thet say the account is on hold,they name lowell as there client could they not set a default if i dont pay keeping in mind this dept does not even appear on my credit check ????

[dx100uk]

we are going around in circles

 

stop payments they cannot magic up a new default on an account that is statute barred

 

dx

[Abrigadier]

Agreed end of story:madgrin:

Brig.

[intend]

Definitely cancel the direct debit. Never use them with debt repayments - I personally even refuse to set up a standing order. Me walks to Bank and has a nice chat to the counter staff - feel sorry for them - not like working in a real bank now. Get odd looks when paying such small amounts - just smile nicely and thank them. I my own small way hope it keeps in a job.

 

Funny they always refer to me by the debtors name even when I clearly write my name on the slip!!

 

Intend

[Abrigadier]

We may as well just go completely

automated ATMs electronic transfers,

paperless accounts, decisions made by

software, the only human needed is one

to press the start button.

Brig.

[PriorityOne]

should i cancel the direct debet then even though thet say the account is on hold,they name lowell as there client could they not set a default if i dont pay keeping in mind this dept does not even appear on my credit check ????

 

Yes.....

[Abrigadier]

123gas I think you have the advice of

some experienced people now as

DX said stop the DD.

[123gas]

what should i do with this postal order ? just bin it?

[Abrigadier]

Emmmm, take it back to the Post Office

and cash it, donate a quid to CAG or as you

say bin it, save it for another CCA request.

 

Brig.

[rhos123]

what should i do with this postal order ? just bin it?

 

send it to the next slime ball dca , that contacts you:madgrin:

[123gas]

would just like to a minute to thank everyone for their advice so far .i was talking to someone today and they said that under the terms in the cca 1974 i had the right to reclaim all the money that i have paid so far to BCW as it has been obtained by deception and as they can not comply with the terms of the CCA request which was sent , by law haw to return the money IS THIS TRUE????

[Abrigadier]

I would seriously doubt that any

such action would have merit in

court as the debt exists, the non

compliance with a CCA request

does NOT extinguish the debt

and only affects the ability of

the creditor to enforce the debt

in court until the agreement is

provided.

 

BRIG.

[123gas]

i was told i should reply to the letter they sent me by sending a request to return all monies colleced by them as they had obtained the money by deception and had no legal right to collect it in the first place

[dadofholly]

That would only apply if BCW had no right to collect, where not acting on behalf of the OC, and never gave the OC any of the money collected.

[dx100uk]

it will be deemed as a gift sadly

 

however, without trawling the whole three pages

have you any evidence that the monies paid have actually reduced the 'debt'

 

i bet not

thats paid for 1000's of spoofing letters to other mugs.

or the company xmas dinner fund.............

 

dx

[Abrigadier]

Such a claim would need to put to

a court IMHO and the costs of so

doing would not be small I can see

no merit in such an action.

 

BRIG>