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Buchannan clarke and wells


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Hello all

i fear I may have found you all a little late but here goes,

In 2004 I decided to do a home study course in pc maint. When the chappie came round he said that I wouldn't have to buy any extra materials as it was provided with the course, anyway the finance was from a company called aques (sp) finance and all went splendidly until about 3 months in when the course called for me to fit hard drives etc...now I wasn't going to tinker with my own pc so called to ask when the bits were to arrive. I was told that I had to use my own. I then decided to cancel the course as I could not afford to see it through. Now BCW are chasing for the debt which of course I acknowleged, I asked them to tell me how much was paid in tutor fees etc as I only did a few months so surely I wouldn't be liable..ie where was all the money spent if I didn't use it? They said that was nothing to do with them they just collect the debt. I have offered them £20 per month but still feel aggrieved at having to pay at all it stands at £1100.

could I still ask for more details of expenditure?

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Time to CCA them and make sure that they are allowed to try and collect this debt.

There's a great thread covering CCA right here: http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/79147-consumer-credit-act-resources.html#post702982


Have a look at post #13 for a CCA letter.


Basically this should prove you with a copy of the original credit agreement and statement of account. and therefore BCW right to collect on it.

Now thee are a number of deadlines for this.

first is 12+2 WORKING days, if after this time the don't comply then they cannot enforce the debt. Then one month later they commit a criminal offence.


Hope this helps some.

Be VERY careful whose advice you listen too

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Hi ddraig07 ,


Good luck, am dealing with these lot myself.



"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.


Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.


If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.


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