BW Legal collect for a range of clients including HMRC, credit card and payday loan companies, energy and telecoms/media providers. They also collect court fines. Sometimes BW Legal collect money on behalf of these organisations, but they also buy ‘debt bundles’ from them
BW Legal is a firm of debt collectors based in Leeds. If you’ve received a letter or call from BW Legal, you probably owe money to one of their clients.
BW Legal collect for a range of clients including HMRC, credit card and payday loan companies, energy and telecoms/media providers. They also collect court fines. Sometimes BW Legal collect money on behalf of these organisations, but they also buy ‘debt bundles’ from them. They purchase a number of overdue accounts, at a fraction of what they’re worth, and BW Legal retains the monies they are able to recover.
You can’t completely stop BW Legal from contacting you, but they should abide by your contact preferences, meaning that if you tell them you only want to discuss your debts in writing, they should stop calling you.
You can tell BW Legal you don’t wish to deal with them by phone and request they use another contact method. They also can’t discuss your debt with other people, call you at unreasonable hours, or try to pressure you into making decisions without giving you time to think things through. If they do any of these things, you can report them to the Financial Conduct Authority for breaching their rules.
The longer you leave letters unopened or calls unanswered, the higher the risk that BW Legal will take further action against you, such as obtaining a County Court Judgement. The quicker you take action, the more you can explore the options available to you.
If you have not made a payment or admitted to the debt in writing in the last six years, and no County Court Judgement has been made against you, the debt may be statute-barred. That means it’s unenforceable: BW Legal can’t take you to court, so have no way to force you to pay.
Paying off debts improves your credit score and can often reduce stress, but ultimately it’s up to you to decide what you can afford and whether paying off a debt in full is the best move for you right now. If you’re not sure, see below:
If you can’t afford to pay BW Legal in full right now, you have options. You can work with a qualified insolvency practitioner to explore these options, from working out a payment plan to looking into a trust deed or sequestration, both of which help you get out from under large debts.
BW Legal can contact you to ask you to repay the debt, but cannot harass you. They can send debt collectors to your door, but you don’t have to answer them or let them in and they cannot force entry into your home.
We help you realise & address the harm bad debt does to your mental & physical healthGO
We help you gain extra time to arrange your finances and also handle debt collectors or bailiffs through our letter creation service.GO
We help you understand your options based on your circumstances and the information you tell us. No BS.GO
This is extremely unlikely. Most debts BW Legal collect are unsecured, meaning you didn’t secure them against your home. If you fall seriously behind with your debts, they could ask a court to secure the debt against your home, which would mean it could be repossessed.
Not directly. However, if BW Legal obtain a County Court Judgement, the court may send bailiffs to your home.
Yes. You can arrange a payment plan over the phone or on BW Legal’s website.
There is no guarantee BW Legal will accept a partial payment. If you can afford to pay some, but not all, of what you owe, an IVA or Trust Deed might be right for you. You can find more information on these options on debtbuffer.com, and you can ask our AI chatbot for help.
Yes. You can pay BW Legal using a debit or credit card, standing order, postal order, Giro, cheque, cash or direct debit.
An IVA or a Trust Deed could allow you to write off 60% or more of your debts.
You can complain directly to BW Legal by mail, phone, or through their website. Their details are:
0113 323 1784
The Tannery, 91 Kirkstall Road, Leeds
If BW Legal doesn’t resolve your complaint to your satisfaction, you can contact the Financial Ombudsman Service or the Credit Services Association.
Yes. BW Legal is a legitimate debt collector and a member of the Credit Services Association.
Yes. BW Legal can take you to court and apply for a County Court Judgement, which would then allow bailiffs to come to your home or an attachment to earnings or a charging order.
If you don’t pay BW Legal, they may take you to court, which could result in bailiffs being sent to your home to repossess property, or in an attachment to earnings or charging order.
Debt Buffer can help inform you about the options available to you to deal with your debts. This includes writing letters to creditors that can ensure you’re treated fairly and buy you more time to pay. Take some time to look around the site, find the course of action that is right for you, and use our AI Chatbot to for further guidance.