How to Beat BW Legal and Not Pay?

Are you getting letters from BW Legal? Are they asking you for money? You’re not alone. Each month, over 12,000 people visit our site seeking advice on money matters, just like this one.

In this easy-to-understand guide, we will explain:

•  Who BW Legal are, and what they do
•  How to figure out if you really owe them money
•  The steps you can take to deal with them
•  How to stop them from bothering you
•  What to do if they say they will take you to court

We know how upsetting it can be to owe money; our team has been there too. Don’t worry; we’re here to help you learn more about how to deal with BW Legal.

Let’s get started!

Why would BW legal contact you?

Chances are you owe one of BW Legal clients money when the debt collector contacts you. All the details should be on the letter you get which includes who is chasing you, and the amount owed.

Even the first letter you get from BW Legal would be quite threatening. In short, you’ll be asked to pay or face court action!

You should check how old the debt is after the initial shock of getting a letter from a debt recovery agency. After this, you should contact BW Legal without too much delay to prevent things from escalating.

What happens if a debt can’t be proven?

When debts can’t be proven, they can’t be enforced. So, if BW Legal fail to provide solid, written proof you owe money, they can’t force you to pay or take you to court.

A judge would find it hard to rule in a debt collector’s favour when they can’t show evidence you owe money on a debt!

Is the debt too old to enforce?

When a debt is too old to enforce, it’s considered statute barred. A court won’t hear a case that involves a debt that’s at least six years old.

It means you can be given a County Court Judgement (CCJ) which is worth knowing!

What if BW Legal proves the debt is yours?

If BW Legal can prove it’s your debt, you’d have no choice but to pay. That said, you should never agree, admit, sign or pay any money to a debt collection company before seeking independent advice.

Debt recovery companies must allow you time to assess your situation. They must let you discuss a debt solution with an independent adviser or a debt charity.

Thousands have already tackled their debt

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Should you ignore BW Legal?

No. Even when you know the debt isn’t yours and that it’s a clerical error. Why? Because if you ignore things, it won’t stop a debt collector from chasing you, having a CCJ issued against you, and basically ruining your credit file!

In short, stay in touch with BW Legal and tell them they’ve got the wrong person. Ask them to prove you owe the money which should stop them in their tracks if the debt isn’t yours!

Also when you ignore a debt collector and the debt is yours, you’d miss out on:

• Being offered a debt repayment schedule you can afford
• Having part of the debt wiped off would make it easier to settle
• Not knowing a CCJ is registered on your credit report
• Dealing with enforcement agents/bailiffs showing up at your home and seizing possessions
• Having an attachment placed on your earnings or bank account

Will BW Legal take you to court?

There’s a good chance BW Legal will take you to court as many people have discovered. Because they are also a law firm, they handle the litigation side of things for their clients!

So, you could get a CCJ levied against you when you ignore them or refuse to pay!

Moreover, you may have to deal with Enforcement Agents which can be stressful! They could seize some of your possessions and sell them at auction to recover some or all of the debt.

You could also get an attachment placed on your earnings or even your bank account!

Will BW Legal Issue a County Court Claim against you?                        

Yes. As illustrated above. BW Legal has a reputation for issuing County Court claims against people who allegedly owe money!

That said, you should keep in touch with BW Legal when they contact you to avoid things from escalating to the courts!

Can you stop BW Legal from contacting you?

BW Legal have the right to contact you over an alleged debt owed to one of their clients. In short, you can’t prevent a debt recovery company from contacting you.

However, you have the right to tell them how and when to contact you!

You could ask them to only contact you by letter. It means you always have a record for future reference if needed. Something you wouldn’t have if a debt collection agent only speaks to you on the phone!

» TAKE ACTION NOW: Fill out the short debt form

How do you contact BW Legal?

You should try to stay in touch with BW Legal when they contact you. Even when you know the debt isn’t yours. It’s wiser to let them know and ask them to prove the debt rather than ignore things.

I’ve listed ways to contact them here: