greenwood passed to bcw, help please

[liz01]

hi,

 

have an outstanding amount of over £1500 from greenwood personal credit, home collection loan, now passed to buchanan clark & wells,

 

i emailed to say i have serious illness and now disabled and they would get £2 per month as all our other creditors are getting with the help form payplan,

 

BCW have written back they require evidence of medical condition,

 

i know its probably easier to just give it to them, but are they entitled to it?

do i HAVE to comply? a

 

ny info or help would be most grateful, also no point cca BCW is there as greenwood would def have a signed agreement? alot of the amount owing i think is interest on the loan.

[liz01]

Now why am I not surprised!!

 

Are BCW acting on behalf of the creditor do you know, if they are my guess is your offer has never been passed on?

 

hi brigadier, could i just but in on this, as im trying to deal with BCW whom greenwoods have sent my a/c to, they are requesting medical evidence of my serious illness, do i have to give this to a dca, they will only be getting £2 per month the same as alll my other creditors are and no more, i owe approx £1500 to them, also no point cca is there as i signed an agreement when they gave me the loan a few years ago and assume they could produce thiss still?? thankyou

[BRIGADIER2JCS]

No liz you don't have to supply that data.

[liz01]

No liz you don't have to supply that data.

 

hi thank you for that, is there any wording you could supply for me to back this up when i reply to them with a letter stating i will not supply medical evidence please?

[BRIGADIER2JCS]

OK I'll put something together later for you.

[dx100uk]

posts from other thread merged here.

 

dx

[dx100uk]

get an SAR off to greenwoods ASAP

 

i bet you've heeps of PENALTY charges.

 

and get your cra file too

see below.

 

was this a doorstepper loan?

 

or some other debt they got you on.?

 

dx

[liz01]

get an SAR off to greenwoods ASAP

 

i bet you've heeps of PENALTY charges.

 

and get your cra file too

see below.

 

was this a doorstepper loan?

 

or some other debt they got you on.?

 

dx

 

hi yes it was a doorstep loan, nothing showing on my cra at all form them, and im sure the amount owing is what i owed with the interst added on but will def check and get a sar to them, do i send it to BCW or greenwood?

[dx100uk]

greenwood

 

NEVER EVER trust them.

 

dont trust the doorstepper neither

 

you are under NO legal obl

to converse with BCW AT ALL!!

 

they will NEVER go near court with a doorstepper loan

 

they get hammerred

 

basically

 

write to their headoffice [greenwood]

 

TELL THEM you will ONLY be paying £XX for xx mts.

 

dx

[liz01]

so greenwoood or bcw wont take me to court?

 

can only afford £2 per month due to financial hardship caused by serious illness and unable to work now,

 

so write to greenwood and say £2 per month it is as you will get nothing else

and i dont have to supply medical evidence,

also send to bcw to say will not deal with them?

 

thank you so much for all you advice and help,

[BRIGADIER2JCS]

Hi Liz try this.

 

For the Personal Attention of the

Compliance Mnanger

Greenwoods.

 

Ref: Account No. xxxxxxxxxxxxxx.

 

Personal Medical Data.

 

Dear Sir/Madam,

 

I refer to your letter dated xx xx xxxx in which you require me to provide personal medical data regarding my illness, as you must be aware I am in no way obliged to provide such sensitive data to unqualified represenstatives of a debt collection company especially as I wpould have no confidence that this information will be kept confidential.

 

I have stated that the sum of £x.xx pcm is all that I can reasonably afford to pay towards the unsecured NON priority debt with out causing undue hardship and at this point I would remind you of the OFT Guidance on Debt Collection 2003/2012 which states it is unfair to press a debtor to pay more than he or she can reasonably afford.

 

Therefore please provide me with banking details so that I may arrange a stsnding order to cover the offerded payment each month no otherr payment method is acceptable to me.

 

I expect Greenwoods acceptance and the deatails required within 7 days.

[liz01]

brigadier, that is brilliant, thank you so much, will get that in the post asap,

[BRIGADIER2JCS]

Your welcome!!

 

Good Luck!!

[dx100uk]

yep thats you sorted

 

just remember these muppets are NOT REAL SOICITORS

they are a fake/tame one

greenwood nor any fake/tame soicitor would NEVER do court on a doorstepper debt.

 

i BET you've never ever seen your payment card have you//....

 

dx