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    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
    • i was merely pointing out if the OP did put in an N244 it required a bundle. as for what they need to do now.... it might be an idea to post a link to your thread then the OP can read it and understand where your guidance is coming from and the ongoing process he will have to follow... dx
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Buchanan Clark & Wells Verification Letter


katypie
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Right here it goes I got this today as well as sending them a letter by recorded delivery - the only thing I dont get is first they say the complaint has been refuted then say they wont contact me again (surely this is a contradiction?) hopefully this is the last of them PS my credit file shows no mention of previous addresses could they have found "me" by name or DOB?

 

Thanks

Final Response

Dear Mr. XXXXX,

I write with regard to your contact of January 30, 2013, issued in relation to the aforementioned account.

I can confirm we have undertaken an investigation into the issues raised in the above referenced correspondence and have concluded that your complaint has been refuted. The reasons for this are detailed below.

I must firstly advise that the actions of BCW Group will have had no adverse effect on your property address or credit rating as you are not the named account holder.

BCW Group acts in good faith on the information and instructions issued to us by our clients. We are passed this information on the basis that the information provided is true and correct at the time of issue. In this instance, we were passed a file in the name of Mr. XXXX XXXXX with instructions to obtain his current whereabouts and correspond accordingly.

Your above noted contact with this office was the first we have received in this regard and was therefore the first that we were aware that we held an incorrect address on our file. We could not have sought to update our system file sooner. We do not consider that our actions in this regard are therefore contrary to the OFT Guidance quoted.

Your address of XXXXXX, was linked to Mr. XXXXX by a Credit Reference Agency called Experian. Due to a prevailing link between your address and Mr. XXXXX, anyone conducting a similar search will get a similar result. You may wish to contact them directly to advise them of this

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When you have a situation where a creditor supplies information to a DCA eg to BCW the data provided is minimal and the DCA must rely on, it is of course the same for the DCA supplying data to a CRA then linked address details may be created, basically the OC is to blame (if there is blame).

This has been resolved properly and reasonably imo.

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Agree with Brig that BCW have resolved this as far as they can.

 

However the OP may wish to contact Experian to see how they are being linked, hopefully to avoid another DCA contacting them in error again. Sometimes these errors can drag on for years, so may be best to resolve if you can.

 

If you do contact Experian, send them a copy of BCW letter highlighting this.

 

Your address of XXXXXX, was linked to Mr. XXXXX by a Credit Reference Agency called Experian. Due to a prevailing link between your address and Mr. XXXXX, anyone conducting a similar search will get a similar result. You may wish to contact them directly to advise them of this.

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  • 3 months later...

If you are unaware of any reason for the contact ignore until they state what they are chasing!!

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OK what are they after, has the account been defaulted if so when, when was the last payment made?

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

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  • 2 months later...
Also, if they send private details, or full details of the debt without actually confirming you are there ( theyve only sent a verification letter so far), you could pull them up on a Data protection breach :)

hi brig

 

you seem to know your stuff.. I have had a final notice from bcw group for an eon debt I do owe but they have sent details of the debt without first confirming they are contacting the correct person.. is this a breech of anything? I moved house 2 months ago and the debt is for the previous property.. I have been sent another letter which ignored and had texts and calls talk of which I ignored. now they have said they will not hesitate to consider commening legal proceedings.. their spelling mistake not mine lol.. I look forward to hearing your views on the above..

 

best regards

 

slippy

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Hi Slippy,

 

Did Eon state that they had passed the account to a 3rd party?

 

If not Inform BCW in writing that you are unaware of any account being in their hands.

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!

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they wrongly refunded me £350 and then billed me for £800 the following month so I changed suppliers. I have also moved house so eon or bcw have confirmation of my new address. if I send them a letter I am confirming it is me which I am reluctant to do..

 

thanks in advance for your advice

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Don't do their dirty work for them, THEY need to be 100% certain that you're the person they're asking for, not your job to tell them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Furious today My son has received a text message with my name on it from BCW.He rang them but they refused at first to say where they'd got it from.My son hasn't any debts.I have so they have breached the data protection act.He's asking me why did I give his phone no out?I don't even know it.I rang them but I'm going to complain as they have took on the account from ACTIVE CAPITAL and they gave them the data...surely this spying and who gave them my son's phone no.

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Have you got your own thread on this Joyce? Can you link us to it?

 

As for where they get their spurious inaccurate data from is anyone's guess hence why they have blood on their hands for this exact reason.

 

As for contacting them, don't.!

Lodge a formal complaint with the OFT and the ICO, if your son receives anymore unsolicited text messages from pinky & perky, all he has to do is forward the spam message to 7726 (SPAM) let them deal with it.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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when your son took a contract out for his phone the phone co will have done a credit search. The information regarding address has now been linked to you-unlawfully- so thhe DCA has started to harass your son because they ahve been to lazy to check their facts. they will claim an administrative error but it serves their purpose, they are getting to you in an embarrassing manner and they think that helps them, same as phoning people's bosses up at work etc. All unlawful.

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  • 2 months later...

hello i have the same letter as this today but with my name and my bf name and my previous address really worried

 

I have received a Verification Letter from Buchanan Clark & Wells today-

 

"We are trying to contact katypie 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 lived at the original address above.

 

Please contact us on 0844 BLAH quoting the above reference number and one of our operators will be available to take any relevant detals to resolve the matter.

 

If you believe that you are not our customer, please contact us as soon as possible to enable us to amend our records and remove your address from our system file."

 

 

Doesn't say what it is about. Would I be right in thinking this is phishing and I should just ignore it? Anything it could possibly be for would be statute barred by now.

 

Thanks!

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Katypie

I would definitely react to the letter that has been sent.

 

In my experience debt buyers are very good at reporting bum data back to the credit bureau

and before you know it there is a link established between you and the person who has not paid the debt.

 

The type of link that they have used is what is known as a name link.

 

They really should not be doing this without any supporting information

that you are the person who resided at the previous address.

 

An example of this might have been that they had researched at your previous address

and been given the new address.

 

The fact that they have sent you what is known as a "soft" letter is a definite sign they are just fishing. T

 

he danger is that your data is falsely updated at the credit bureau.

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