Bcw - ee

[Donoghue89]

Good evening,

 

I have a contract with EE

due to a health problem I am no longer able to work or afford to pay the contact and

EE have sent the debt to Buchanan Clark & Wells and

I sent them the template letter regarding door step visits and

I got the following reply from them;

 

Dear Mr *****,

 

I write with regard to your email of 10th November 2014, issued in relation to the aforementioned account.

 

I can confirm we have undertaken substantive investigations into the issues raised in your above referenced email

and have concluded that your complaint has not been upheld.

The reasons for this are detailed below.

 

We note your reference to the Armstrong v Sheppard & Short Ltd case

however the case you have referred to is not applicable to your circumstances.

As part of the credit agreement that you entered into, you agreed to repay the full outstanding balance

and that where necessary the creditor could recover the debt by outsourcing the debt to a third party,

which included by way of doorstep collection.

We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance

with regulatory guidance to recover such monies.

 

The OFT’s Guidance on Debt Collection reference to making an appointment on field visits relates to,

where say, the Agent has called round and advised by the customer that it was not a convenient time,

then he should make another appointment.

An appointment is not necessary for the initial visit.

If however, the customer is not there at the agreed time, then the Agent can call again at an unscheduled time.

 

In view of the above, we would invite you to contact our office to discuss the repayment options available to you.

I have authorised a further 7 day delay to be placed on your account to allow time for you to contact our office

however please note that when the delay expires, our collections activity will resume.

 

We are a member of the Credit Services Association who can be contacted in the event of you remaining dissatisfied

with the conduct of BCW.

The Credit Services Association will consider your concerns as an impartial external arbitrator.

 

Please do not hesitate to contact us on +44 (0)845 111 0411 should you require any further assistance.

 

Yours sincerely

 

Now, I think I read a topic once when another person got the same response

but I cannot find it any where and I have no idea what I need to write to send back to them.

 

If any one could help I would greatly appreciate it.

 

Regards.

Edited December 5, 2014 by Donoghue89
Punctuation

[dx100uk]

you don't need to write anything back to them

 

 

ideally you should have ignored the silly threat-o-gram in the first place

 

 

you fell for the threat

and you did exactly what they wanted you to do . panic and contact them.

now you've invited letter tennis on a silly issue.

 

 

theres no record anywhere of BCW ever doing doorstep visits

but anyway they are powerless any how AND ARE NOT BAILIFFS.

 

 

is this debt still owned by EE?

 

 

go get your credit file and check.

 

 

see below

 

 

dx

[Donoghue89]

Hook, line and sinker then, but now I will know not to do it in the future.

 

I will check my credit report and see if EE still own the debt.

[dx100uk]

sure let us know

 

 

dx

[fkofilee]

Word of advice, They used the words "Credit Agreement"

 

Thats wrong! Because a phone contract with EE is a utilities agreement. That looks like a script.

Get your CRF and let us know.

[Donoghue89]

From looking at my credit report, it's still with E.E

[renegadeimp]

Then ignore the dcas totally.

[Donoghue89]

Would it be a good idea to contact the EE head office and explain what is going on? I found their email address on ceoemail address website.

[fkofilee]

Might be worth it. Olaf Swantee

[dx100uk]

any default date

 

 

dx

[Donoghue89]

No default yet, only 'Late Payment'

[Donoghue89]

No response from EE yet.

[fkofilee]

Typical... Just hold out...

[renegadeimp]

Ignore the DCA. Report them too as they are stating that your legal rights do not apply.

[Donoghue89]

Who would I need to write to?

[dx100uk]

email the CEO of EE

 

 

dx

[Donoghue89]

Still no reply from the CEO so I sent a follow up email last night, also got a letter from BCW yesterday saying I have ignored them blah blah blah...