Jump to content


  • Tweets

  • Posts

    • dont go near them bunch of scammers! ive removed ref. dx  
    • I used to post regularly in order to provide factual information (rather than advice) but got fed up with banging my head against a brick wall in so many cases when posters insisted black was white and I was writing rubbish. I have never posted anything which was untrue or indeed biased in any way.  I have never given 'advice' but have sought to correct erroneous statements which were unhelpful. The only username I have ever used is blf1uk. I have never gone under any other username and have no connection to 'bailiff advice'.  I am not a High Court Enforcement Officer but obtained my first 'bailiff' certificate in 1982. I'm not sure what records you have accessed but I was certainly not born in 1977 - at that time I was serving in the Armed Forces in Hereford, Germany (4th Division HQ) and my wife gave birth to our eldest.   Going back to the original point, the fact is that employees of an Approved Enforcement Agency contracted by the Ministry of Justice can and do execute warrants of arrest (with and without bail), warrants of detention and warrants of commitment. In many cases, the employee is also an enforcement agent [but not acting as one]. Here is a fact.  I recently submitted an FOI request to HMCTS and they advised me (for example) that in 2022/23 Jacobs (the AEA for Wales) was issued with 4,750 financial arrest warrants (without bail) and 473 'breach' warrants.  A breach warrant is a community penalty breach warrant (CPBW) whereby the defendant has breached the terms of either their release from prison or the terms of an order [such as community service].  While the defendant may pay the sum [fine] due to avoid arrest on a financial arrest warrant, a breach warrant always results in their transportation to either a police station [for holding] or directly to the magistrates' court to go before the bench as is the case on financial arrest warrants without bail when they don't pay.  Wales has the lowest number of arrest warrants issued of the seven regions with South East exceeding 50,000.  Overall, the figure for arrest warrants issued to the three AEAs exceeds 200,000.  Many of these were previously dealt with directly by HMCTS using their employed Civilian Enforcement Officers but they were subject to TUPE in 2019 and either left the service or transferred to the three AEAs. In England, a local authority may take committal proceedings against an individual who has not paid their council tax and the court will issue a committal summons.  If the person does not attend the committal hearing, the court will issue a warrant of arrest usually with bail but occasionally without bail (certainly without bail if when bailed on their own recognizance the defendant still fails to appear).   A warrant of arrest to bring the debtor before the court is issued under regulation 48(5) of The Council Tax (Administration and Enforcement) Regulations 1992 and can be executed by "any person to whom it is directed or by any constable....." (Reg 48(6).  These, although much [much] lower in number compared to HMCTS, are also dealt with by the enforcement agencies contracted by the local authorities. Feel free to do your own research using FOI enquiries!  
    • 3rd one seems the best option, let 'em default, don't pay a penny, nothing will happen, forget about all of this. As for Payplan don't touch them with a bargepole, nothing they can do that you can't, and they will pocket fees. A do it yourself DMP is pointless as it will just string out the statute barred date to infinity.
    • Because that’s what the email said. Anyway it’s done now. Posted and image emailed.    im doing some reading in preparation for defence but I will need my hand holding quite tightly by you good people.  I’m a little bit clueless
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Buchanan Clark & Wells Verification Letter


katypie
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3850 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 55
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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

Link to post
Share on other sites

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.

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:

Link to post
Share on other sites

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.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

  • 3 months later...

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

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:

Link to post
Share on other sites

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.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

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

Link to post
Share on other sites

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!

 

 

Link to post
Share on other sites

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.

Link to post
Share on other sites

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!

 

 

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • 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!

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...