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I have an outstanding loan(s) with provident that were part of my DMP but not had a payment since sometime 2011.

 

It has been thru Edrupt , Network Credit services then BCW who offered me a 50% discount.

 

Today I received a NOA from Provident to BCW although it was a bit of an odd one. Normally NOA's say things like data controller etc but this was just BCW now own your debt etc.

 

It is £898. Are BCW proactive as per Lowells , any ideas what to expect?

 

Thanks

Any opinion I give is from personal experience .

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Apparently BCW will now go ahead with enforcement more than they did a few years back.

 

Even if the account was taken out after April 07, you might consider sending a CCA request, for which they should send you a copy, plus a statement of account. If they failed to comply with the CCA, for an account taken out after April 07, it will not stop them enforcing in court, but it might be helpful.

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Thanks, I wasn't sure of their M.O.

TBH they can do what they want as I have nothing to give . It would be rather nice of them to roll them all together and issue a SD but I doubt that will happen.

 

I had thought about a CCA request because if they can't manage an accurate recon then they will be a little stuffed

 

No doubt I will first of all go through the phone calls etc but I can see them off over that

Any opinion I give is from personal experience .

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Well the chance of me offering a payment without being forced is about the same as hell freezing over. I do have a selection of their pretty letters when they were acting as agents .

 

All input gratefully received

Any opinion I give is from personal experience .

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