BCW Group Plc Debt Collectors

 

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What To Do If You Get A Nasty Letter or Phone Call From:

BCW Group Plc Debt Collectors

BCW Group Plc Debt Collectors is a debt purchasing company listed in the website of the

Start an unenforceable credit agreement application here.

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Name: BCW Group Plc Debt Collectors
Also Known As: Buchanan Clark and Wells, BCW Ltd.,
Address: BCW House, 24 George Square, Glasgow G2 1EG
Telephone: 0141 221 4567 but DO NOT PHONE BCW GROUP DEBT COLLECTORS
Fax: 0845 300 6898
Extra Data: It is possible that these are the same people as Apex Credit Management. If not, they seem not too concerned about using the same database, to the extent that even typos and misspellings of their victims names are reproduced by both companies. Information Commissioner take note!

BCW Group Plc Debt Collectors and the Truth About Your Debt

Assuming that you are struggling with BCW group debt collectors you'll be aware of all the ruses they employ to extort money out of you so that they can make a quick profit. You may already have experienced bad dealings with them on the phone or by letter. They may phone you up at odd times and on an unacceptably numerous number of occasions. They may be sending you official appearing nastily worded letters or cards threatening to come round and collect the full amount or take you to court if you cannot pay. Their other tricks might involve attempting an order for sale charge on your home or make you homeless.

Remember to insist on dealing with these debt collecting agencies in writing. Don't give out your phone number unless you want more trouble. The problem is that in the first instance they'll say they are the credit card company or bank and therefore make you feel inclined to comply. For them, your uncertainty or even confusion is important, so they like to create as much confusion as possible: here BCW group debt collectors will have the most devastating effect. Because when they get hold of your details they will use it to worry you and even to terrorize you. The law is there to prevent this kind of thing from happening but the problem is that most people don't know which laws to use and it is clear that these debt collecting firms are aware of this. Bodies such as the Consumer Credit Counselling Service and the CAB (Citizen's Advice Bureau) give a good free service although all too often they can be overstretched so sometimes such advice does not provide the whole picture.

It is up to you to call into question the validity of the money owed or indeed the existence of the account itself by making a Subject Access Request (or sar) as a reply to BCW group debt collectors. The owner of the alleged debt (the bank or the debt collecting firm) must send you a true copy of the original contract if that contract was made before 6th April 2007. If they fail to do this they are breaking the Consumer Credit Act 1974, and the debt is said to be in dispute. While the alleged debt is in dispute they must not ask for any money (if they do so they are breaking the law again) and they cannot sell it on (which many do at this stage). As long as the debt is in dispute it is unenforceable, even by a court of law. There's a series of template letters available for this purpose. You can always get a solicitor to do this for you, owing to the difficulty of the law at certain points. There are also specialist legal and paralegal firms offering their services in this area.

You should make sure you know whether the debt collecting company has bought the account themselves as a means of turning a profit (in the role of a debt purchasing company) or whether they are carrying out work on behalf of another company such as a credit card issuer or a bank (where they would get a proportion of recovered money). If they send you a letter of assignment, as required by statute if the debt has been sold, then you will know the debt collecting firm or DCA owns the debt and therefore will try to extort as much out of you as they possibly can. When dealing with BCW group debt collectors bear in mind that almost every penny the collections agency gets is pure profit because they purchased the debt wholesale. So they will try to break you any way they can.

So ask BCW Group Plc Debt Collectors for a copy of the original contract when you took out your loan or credit card.

Even better, start an unenforceable credit agreement application enquiry. It costs nothing to do this and you are protected by the consumer credit laws. Click here for the unenforceable contract application form.

To find out if you qualify for an IVA or can benefit from a debt management programme, try the IVA Test. It's free to apply, and again you are protected by the consumer laws regarding debt management at all stages. Click here to go to the application form.

 

We are licenced by the Office of Fair Trading. Licence No. 633327

We are signatories of the Data Protection Act. Reg. No. Z1620707

 

 

More Data On BCW Group Plc Debt Collectors

 

If you have any information that you would like honest people to know about BCW Group Plc Debt Collectors then send us an email in complete confidence and we will try to corroborate it with the clowns involved.

 

 

 

This BCW Group Plc Debt Collectors website is part of DPC Registry website group. All rights reserved.