I have just received a letter from BCW relating to an account closed over 3 years ago. I'd received absolutely no correspondence from anyone about the item ( less than £20 ) but was lucky enough to know a solicitor and asked him for ( free ) advice. One thing he suggested was that after two or three years the firm claiming should themselves evidence the outstanding - and all factors contributing to it. BCW can't. Separatley I can't thank the contributors to this thread enough for their advice help and tips. All really useful. Shame Anglo-Scots law allows people behaving like BCW to exist. Good luck to all. Will support this site with a contribution - really worthwhile. anti-bcw-man