BW Legal British Gas Debt Collection – Should I Pay?
By
Janine
Janine Marsh
Financial Expert
My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
Could you legally write off some debt? Answer below to get started.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
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For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
Are you worried about a letter or call from BW Legal about British Gas debt? You’re not alone. Each month, over 12,000 people come to this site seeking guidance on debt topics. We’re here to help answer your questions and calm your worries. In this article, we’ll cover:
What a BW Legal debt collection letter is and if you have to pay it.
If BW Legal is a regulated debt collection agency.
How you can make your repayments smaller.
What you can do to stop BW Legal from contacting you.
What happens when BW Legal proves a debt.
Dealing with debt collectors can be tough. It can make your daily life harder and make you feel unsure of your legal rights. We understand this because some members of our team have faced the same worries. We’re here to share what we know to help you handle this situation in the best way possible. Let’s understand how to manage your BW Legal British Gas debt.
Could you legally write off some debt?
There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.
Answer below to get started.
This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.
Should you pay BW Legal debt collection?
No. Not straight away but don’t wait too long either. First, check the age of the debt to make sure it’s not statute-barred. If the debt isn’t statute barred, ask BW Legal to prove the debt is yours!
Don’t admit, sign or fork any money out until you’ve received written confirmation from the law firm the debt is yours!
If you’re put under any pressure you can file a complaint with their head office. Many people file complaints with the Financial Ombudsman Service too!
But remember, a debt recovery company/legal firm may take you to court if you fail to pay owed money.
You may have to pay if BW Legal proves you owe the money! If you’re struggling with finances, try to negotiate an affordable repayment plan with them. But before you sign anything, seek independent, impartial advice from one of the debt charities!
The advice provided is free and could help when negotiations on a debt settlement starts!
How a debt solution could help
Some debt solutions can:
Stop nasty calls from creditors
Freeze interest and charges
Reduce your monthly
A few debt solutions can even result in writing off some of your debt.
Here’s an example:
Situation
Monthly income
£2,504
Monthly expenses
£2,345
Total debt
£32,049
Monthly debt repayments
Before
£587
After
£158
£429 reduction in monthly payments
If you want to learn what debt solutions are available to you, click the button below to get started.
No. Ignoring letters from BW Legal over a debt won’t make the problem disappear. Quite the opposite, it could make a bad situation even worse. For example, you could end up facing:
Court proceedings
Having a CCJ recorded on your credit report which harms your credit rating
Dealing with court-appointed enforcement officers
Having your possessions seized, or an attachment placed on your earnings
Moreover, ignoring letters from BW Legal could mean:
You miss out on being offered a fair repayment plan. One you can afford
Having some of the debt wiped off
Establishing the debt is not yours
Finding out the debt is statute-barred
Check out the advice provided by Money Saving Expert to hundreds of consumers who got letters about money apparently owed:
BW Legal is regulated by the SRA, FCA and CSA. So, the debt collector must abide by the law and the CSA’s Code of Practice. In short, there are things that debt collectors can legally do when they call you.
But there are things BW Legal cannot lawfully do when they get in touch!
Debt collectors may:
Visit your home, contact you by letter or phone
Discuss a debt with you showing empathy and remaining polite
Ask you to the debt directly to them
They cannot do any of the following:
Harass or threaten you with constant phone calls
Force their way into your home
Seize any possessions or clamp vehicles
Talk to your family, neighbours, friends and employer about an alleged debt you owe. It breaches privacy laws if they do
Pretend they are court-appointed bailiffs (enforcement agents) which is illegal and deemed a criminal offence
Use papers and other documents that look like they are court-issued
Visit you where you work unless you said they can
Thousands have already tackled their debt
Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.
Natasha
I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.
No. BW Legal has the right to get in touch with you by letter, phone or if all else fails by visiting you at home. That said, you can tell them when you want them to contact you and how they should contact you!
Write the BW Legal telling them when and how to contact you. Make sure you send the letter by registered mail. The debt collector must respect your wishes and if they don’t, file a complaint with the head office.
After this, you can complain to the Financial Ombudsman Service if necessary! Rest assured plenty of people file complaints about debt recovery companies.
How do you contact BW Legal?
You can get in touch with the debt collection company if you owe money in several ways which I’ve listed below:
Enterprise House 1 Apex View, Leeds, West Yorkshire, LS11 9BH
Opening hours
Mon-Fri 8am-6pm / Sat 9am-3pm
Could you legally write off some debt?
Answer below to get started.
This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.
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My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
Could you legally write off some debt? Answer below to get started.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
