Buchanan, Clark & Wells (BCW Group)

Who are Buchanan Clark and Wells?

Buchanan Clark and Wells or the BCA Group are a debt collection agency and debt recovery company.
As a debt collection company they specialise in collecting payments of debts owed by individuals or businesses. They collect debts on behalf of companies like United Utilities, Utility Warehouse, NatWest and the like.
Chances are they are calling or writing to you because they believe you owe money.
They also buys “bad debts” or “old debts” from banks, credit card companies and other lenders at a discounted rate. They then chase the debtor for the full amount of the original debt.
The original creditor will have sold the debt to Buchanan Clark and Wells. The debt collection agency (BCW Group) typically pay as little as 10p for every pound of debt they buy, but will chase you for the full amount of the original debt plus interest and costs.
So the chances are they are calling or writing to you because they have purchased your debt from the original lender, like Natwest, Barclaycard and numerous pay day loan companies. They now own the debt and believe you owe money.
Buchanan, Clark and Wells is one of the largest debt collectors in the UK.
If you have been contacted by them, you have to make a decision on how to deal with them.

Do you actually owe them any money?

Buchanan Clark and Wells are just a debt collection agency, and therefore have to provide clear evidence that you owe the money.
Just because they keep calling or are writing you letters stating that you owe them money, does not mean you actually do.

How old is the debt they are collecting?

It could be statute barred, which means you no longer owe it.
If you do owe them money then do not enter into an agreement with them before you have taken advice.
This will make sure that they can prove that you actually owe the debt, and if so, that you get an agreement which is affordable for you.
Too often people are pressurised into paying the amount the debt collection agency want them to pay, even if they really can’t afford to pay that much each week or month.
Our experts deal with Buchanan Clark and Wells every day, and can quickly help you determine if the debt is statute barred, in which case you won’t have to pay anything.
If you do owe the money then we can also give you a FREE financial assessment, which you can then send to BCW.
This will make sure that if you do owe them money you only enter an agreement to repay on YOUR TERMS, at a rate you CAN AFFORD, rather than the one they may suggest.
Even if you have already entered an agreement with them, we may still be able to help you if you are struggling with the current payments.

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What can BCW do?

Debt collectors like BCW must follow the strict debt collection guidance that are laid down by the FCA (Financial Conduct Authority)
The FCAs debt collection rules and guidance sets out minimum standards that all authorised companies involved in debt recovery and debt collection must adhere to in order to be considered fit to operate as a debt collector.
Therefore, under the rules laid down by the FCA, BCW can not claim unfair or excessive collection charges, they can not harass you, they can’t threaten to seize your property (when lawfully they cannot), they can not bypass an appointed representative and contact you directly. The FCA also bans debt collectors from threatening legal action when it is unlikely to take place.
If you’re one of the many people being sent constant letters, text messages and not answering your phone without looking at “whocallssme.com” in order to avoid the many (and we mean MANY) phone calls by Buchanan Clark & Wells. Or if you have received a letter about a debt you don’t recognise or think you’ve paid off, or if you are struggling to repay BCW debt, fill in our simple form and we’ll call you back to see if we can help.

Buchanan, Clark and Wells (BCW Group)
Debt Recovery Contact Details:

    • Company Name: Buchanan, Clark and Wells (BCW Group)
    • Other Names: arvato Financial Solutions Limited, BCW, and UMS (Utility Management Services), BCW Group, BCW Ireland, Irish Debt Bureau
    • Address:
      BCW House
      24 George Square
      G2 1EG
    • Phone: 0141 562 2623
    • Fax: 0141 221 9611
    • Website: www.paybcwonline.com
    • Email: NONE ON FILE

Numbers they call from:


Please note that we are not associated with Buchanan, Clark and Wells or the BCW Group in any way. The information on this page is provided to help people contact their creditors.
If you’re finding it difficult to make your monthly payments to Buchanan, Clark and Wells or the BCW Group you may need help looking at your budget and managing your debt. We deal with such companies all day, every day and we know exactly how to approach them. If you’re struggling to repay a debt and would like us to deal with Buchanan Clark and Wells on your behalf, or simply need a bit of advice, just complete the form to the right

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