Buchanan clark+wells "invoice or credit agreement"

[c01in]

I have had 2 letters from Buchanan clark+wells. After I made a CCa request

 

Letter one Dated 04 April 2007

 

We do not hold copy credit agreements at this office as we are not the creditor.Your postal order is returned.

 

I have placed this account on hold and have asked my client to forward the documents to you directly.

 

They then say should I require further assistance to phone 08717001551.

It is signed by someone from Administration department.

 

Letter two Dated 05 April 2007

 

PURSUER:THAMES CREDIT

PRINCIPAL SUM: £1940.55

 

Says basically the same bar the refund of the postal order. Heres a funny thing it refers to the credit agreement as an invoice.

 

The second letter wasn't signed.

 

I have never heard of Thames credit

 

Is an invioce the same as a credit agreement I wouldn't have thought so.

 

The CCA request arrived at BCW , George Square Glasgow on 04 April 2007 so they were quick enough to get a letter out to me.

 

But I am still waiting for the credit agreement.

 

When the law is calculating working days does it class saturday as a working day. If it does then BCW are close to defaulting on the CCA request.

 

How do you think I should proceed.Next steps ect. Oh and how can someone take me to court for a debt if they are not the owner of that debt.

[shieldblaster]

Do nothing..12 working days (not saturdays) + 2 for postage and they are in default and can't pursue the debt without a legal CA and a court order. 30 calender days from that and they commit a criminal offence by pursuing the debt in any form.

[mcfadzean1]

i have had a letter just the same from BCW and its thames again . i cca,d them and just got that and that thames would be in contact

[rory32]

Saturday is not clased as a working day. You are correct in thinking that only the owner of the debt can take you to court. When they default and later commit a criminal act you may wish to inform them that the potential fine for this is £2.5K (more than your debt) and that if they do not resolve the matter to your satisfaction you will report them for prosecution (you have 6 months from the offence to do this).

[tomterm8]

I am no longer welcome on CAG

[c01in]

No letter of assignment...no.

[c01in]

I would like to thank you all for all the good advice that you have given me. Thats why I love this site.

 

I hope that one day I'll be able to help someone.

[tomterm8]

I am no longer welcome on CAG

[rory32]

Agree with tomterm. Fot the princely sum of £1 it takes away any possible wriggling room.