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DD to BCW on old o2 debt not being taken, money still there


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Hey guys n gals,

 

I'm not quite sure if this would be the place to ask about this but ill just go ahead and ask anyway.

 

I've recently been "harassed" by a debt collector firm known as BCW.

 

Buchanan Clark and wells.

 

They've been harassing me over a "missed" payment.

 

now the problem is, the money is there and it has also been there since I put it in for the specified collection date of the 12th of each month.

 

I am completely confused as to why it isn't being taken by them.

 

I have no outstanding payments other than them and the internet company I am with.

I also have all accounts in order, nothing is out of date or in the red.

The direct debt has also not been cancelled as I haven't cancelled it nor have I even attempted to.

 

So im completely confused as to what's going on, f

 

 

urther more every time I attempt to ring barclays I ring them then about 5 minutes

into explaining what's going on their end of the phone just goes dead so they aren't much help.

 

can someone explain this too me?

 

these debt collectors are quite frankly starting to annoy me.

 

thanks in advance.

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It's unusual for Barclay's not to be helpful.

 

Get back in touch with them and find out if there was any issues with payments not leaving your account, they will ask about specific payments so just advise them. They should be able to tell you, if the company had at all tried to take payment, if they did what the code was for non payment (they don't always give a reason). Then provide those details to BCW, but be aware that BCW can be arsey sometimes on the phone just don't get arsey back with them.

 

The bank should be able to provide you with all the details to why.

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It's unusual for Barclay's not to be helpful.

 

Get back in touch with them and find out if there was any issues with payments not leaving your account, they will ask about specific payments so just advise them. They should be able to tell you, if the company had at all tried to take payment, if they did what the code was for non payment (they don't always give a reason). Then provide those details to BCW, but be aware that BCW can be arsey sometimes on the phone just don't get arsey back with them.

 

The bank should be able to provide you with all the details to why.

 

On that we agree, normally there service is great ive been with them for almost a decade now, so im not accustom to them being ... "disconnected".. I guess that's the correct word to use for this situation.

 

And Yeah I was wondering about that ive seen a lot of bad reviews. My farther actually said the same thing, Ill try to be civil but I really don't like bending my "knee" to these kinds of people and considering the moneys there... well I don't like being harassed when its not even my fault.. if you understand where im coming from.

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So long as you get the correct information from the bank and provide it to BCW you should be ok, one thing I forget to mention though what you say on the phone to BCW also referr in a letter to them as well. As I've had issues in the past with BCW, telling me I didn't advise them of certain things (though I record all my calls now).

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so what is the debt to Barclays please

 

 

is this on your credit file?

 

 

you say you've been paying them for 10yrs..who?

 

 

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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I'd be staying off that phone too

 

 

you need a papertrail

 

 

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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The debt iosnt to Barclays DX, They are the bank for the DD in this case

 

Correct, the debt is with O2 not barclays :)

 

and Ive just spoken to barclays, they have said that there is nothing wrong with the account and that they should of taken the payment out. I also made sure that the phone conversation was being recorded by them and by myself.

 

that way BCW have no excuse for harassing me over their own stupidity.

 

And also thanks for the pointers, I will indeed be writing to them as-well just in case.

 

and no ive been with Barclays bank for 10 years not the debt haha, if i was in debt for that long I might as well shoot myself.

 

 

I have however come up with a Idea of why they might of not taken the money out, though it does require a question being answered.

 

If BCW tried to take the money out much earlier than when the money went in on the same day, would that of caused the failed payment?

 

and do BCW try to take out money more than once if the initial attempt fails?

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why are you paying a fleecing dca and old o2 debt please?

 

 

tell us about it.

 

 

is it on your credit file and defaulted then?

 

 

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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why are you paying a fleecing dca and old o2 debt please?

 

 

tell us about it.

 

 

is it on your credit file and defaulted then?

 

 

dx

 

instead of me asking what you mean by those terms

(im still fair stupid when it comes to understanding economic terminology),

 

 

Ill explain how I got into this situation which may answer your questions.

 

I wanted to get rid of my account,

I couldn't stay with them any more

39 pounds a month (mobile phone) on top of a 30-40 pounds a month bill with talk talk (internet) was too much.

 

i tried to work a deal out with them to pay it off slowly,

then low and behold I was kicked off disability allowance and failed my appeal,

naturally they got sick and tired of waiting and rang BCW to take care of it.

 

after they called me and several agonising days of waiting and talking and more waiting and a small amount of evasive "B*******"

we eventually fixed the amount to 15.20 a month and its been like this ever since.

 

I hope that answers your questions, sorry if im not being particularly helpful.

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Agree. STAY OFF T|HE PHONE

 

From now on everything in letter. Recorded delivery OR proof of postage which is free from the post office

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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If the bank has confirmed no payment was taken or tried to be taken, then the next point is contact with BCW to find out why.

 

As with the bank because it's paid by Direct Debit (Are you sure it's not standing order),

 

 

BCW should be able to provide you with the details to why they couldn't take it including a non payment reference

that is issued when the DD fails.

 

 

They also shouldn't be taking a payment before the DD date, as that would mean they are in breach of the DD agreement

(Even on bank holidays, the payment date should be after).

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If the bank has confirmed no payment was taken or tried to be taken, then the next point is contact with BCW to find out why.

 

As with the bank because it's paid by Direct Debit (Are you sure it's not standing order), BCW should be able to provide you with the details to why they couldn't take it including a non payment reference that is issued when the DD fails. They also shouldn't be taking a payment before the DD date, as that would mean they are in breach of the DD agreement (Even on bank holidays, the payment date should be after).

 

Dont worry its solved now :D

 

thanks for all your advice guys.

 

 

also you will be interested to know that they appologised haha like quite... well dramatically which is strange for a debt collecting agency imo.

 

because they acknowledged they screwed up on their system and for some reason my DD defaulted on their system. haha.

 

in the future ill stick to letters as you guys said thanks :)

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ok so back to why you are paying a debt to these people BCW

who on their letters is their 'client'?

 

 

when did you fall into debt with o2 date

 

 

did you phone to cancel?

 

 

what did they say, you've still gotto pay the remaining contract term?

rather than cancelling for you and charging a single small fee?

 

 

your credit file

 

 

go get it

 

 

see the noddle link below

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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