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BCW Group/Gothia advice needed...


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Hi There

 

I had a credit account with H&M Online, I've been having trouble paying the monthly amount due to not having a lot of money and job troubles, I did inform them of this and offered to make a smaller payment a month until things improve the balance currently stands at £315.45 most of this interest and charges.

 

They assigned the debt to a company called Gothia/BCW Group I've never heard of them before, I'm not sure if they've brought the debt it just says legally assigned to them, they sent me a letter today asking me to contact them and log on to the website to see exclusive offers etc.

 

Money is extremely tight I can't offer a lot, they've threaten bailiffs and court action which I don't want to happen but I'm just unsure of what to do, any advice would be much appreciated.

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Hi Welcome to Cag,

 

Does the letter refer to H&M as the client of Gothia?

If not the debt will have been sold.

Have you checked your credit reference files, this

will show the current ownership of the debt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks, No it doesn't say its a client.

 

it says the following.

 

We are writing to you as you continue to hold an outstanding account with H&M.

We are required by the terms of your agreement to inform that H&m have now legally assigned your account to BCW Group (Gothia) Limited as of 08/06.

 

and at the end it says the following

 

Please note that H&M no longer hold your account details, and therfore any queries that you may have on your account should be referred to BCW Group.

 

I haven't checked my credit file yet but I'm going too.

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Gothia now own the debt, the CRA file will also show

the default date make sure that Gothia have not changed

it to the date they aquired the account.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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What would be the best route forward, do I write to them explain my situation and offer them what I can until I can pay more?

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If you had a payment plan agreed wuth H&M then

Gothia should honour it.

As you say write and in form them and state that the

agreement to pay £xx exists and your circumstances

have not changed so the payment offered remains the

same.

This is best agddressed to The Compliance Manager at

Gothia, it avoids the Custome (dis) service drones who

have no authority what so ever, just remember it's your

money you decide what you can reasonably afford to pay

NOT any DCA>

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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h&m?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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