1ST POST HERE SO HERE GOES -
Letter received from Buchanan Clark &Wells stating- FINAL RESPONSE
After about 4 mths of this DCA continuously phoning and sending letters trying to reclaim X amount for their client Lowell portfolio (barclaycard credit card debt) , every letter i had received, the amount total they were claiming was different 1st claim balance £794.04 then i received a 2nd a mth later(18/10/12) for principal sum £1484.19????
anyway in between these 2 letters i CCA 'd this company and i was sent a letter instantly confirming a "Cease all action" instruction on my account with immediate affect, plus an internal complaints procedure leaflet enclosed.
some days later another letter stating (Interim report) that my complaint is being investigated and that a response will be issued to me in 4 weeks.
So i have now received this letter Headed (Final Response) Stating ,
I can confirm we have under taken substantive investigations into your claims and have concluded that your complaint has been refuted. the reasons for this are detailed below. blah blah blah
(I will try and point out the main reasons as not to have to type out the whole of the letter)
and at the bottom of the letter it goes on to say they've enclosed a copy of the complaints procedure should i wish to take this matter further, note that i have 6 months from date of this letter to contact the FOS should i remain dissatisfied with this letter.
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I would be grateful if u knowledgeable people out there could give some advice on this and if so would actions to take if any at all?
Many thanks.Mab
Happy New Year to all.
Letter received from Buchanan Clark &Wells stating- FINAL RESPONSE
After about 4 mths of this DCA continuously phoning and sending letters trying to reclaim X amount for their client Lowell portfolio (barclaycard credit card debt) , every letter i had received, the amount total they were claiming was different 1st claim balance £794.04 then i received a 2nd a mth later(18/10/12) for principal sum £1484.19????
anyway in between these 2 letters i CCA 'd this company and i was sent a letter instantly confirming a "Cease all action" instruction on my account with immediate affect, plus an internal complaints procedure leaflet enclosed.
some days later another letter stating (Interim report) that my complaint is being investigated and that a response will be issued to me in 4 weeks.
So i have now received this letter Headed (Final Response) Stating ,
I can confirm we have under taken substantive investigations into your claims and have concluded that your complaint has been refuted. the reasons for this are detailed below. blah blah blah
(I will try and point out the main reasons as not to have to type out the whole of the letter)
- They (bcw) were passed this infomation by Lowell to collect the full balance on the basis its true and correct at time of issue.
- Were not at no time advised by lowell of any on goin disputes or complaints.
- My CCA request is the 1st contact we (bcw) has received from me, therefore could not have considered the account in dispute previously and taken any action to cease collection activity while your claims were being investigated.
- We (bcw) have since reverted back to Lowell portfolio & requested the relevant documentation relating to this outstanding balance.
- At this time, we are currently unable to obtain the documentation in your aforementioned letter (CCA). therefore we have now withdrawn from this matter.
- Our file on this account has now been closed at this office and i will receive no further correspondence From BCW in relation to this.
- As we do not hold copy Credit Agreements at this office , as we are not he Creditor and under the circumstances your postal order for £1 is returned herewith.
and at the bottom of the letter it goes on to say they've enclosed a copy of the complaints procedure should i wish to take this matter further, note that i have 6 months from date of this letter to contact the FOS should i remain dissatisfied with this letter.
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I would be grateful if u knowledgeable people out there could give some advice on this and if so would actions to take if any at all?
Many thanks.Mab
Happy New Year to all.
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