Buchanan Clark and Wells (BCW)

Received a letter or call from Buchanan Clark and Wells? This guide explains who they are, why they’re contacting you, your legal rights, and what to do next.

Who Are Buchanan Clark and Wells?

Buchanan Clark and Wells (BCW) is a UK debt collection agency based in Glasgow. They collect debts on behalf of other companies, acting as agents for the original creditor.

They may contact you because:

• A company has hired them to collect a debt
• Your account has been passed to them for collection

FCA Registration: Authorised and regulated by the Financial Conduct Authority.

Contact Details

Buchanan Clark and Wells

St Georges Building 44-48 St Georges Drive Glasgow G2 1DH

Telephone: 0141 221 2800

Your Legal Rights

BCW Must:

• Tell you who the original creditor is
• Provide proof of the debt if requested
• Treat you fairly under FCA regulations
• Accept reasonable payment offers

They Cannot:

• Harass you with excessive calls
• Contact you at unreasonable times
• Discuss your debt with others
• Pretend to be bailiffs

How to Respond

1. Don’t ignore it - could lead to escalation
2. Verify the debt - request proof in writing
3. Check if statute barred - 6 years in England/Wales, 5 years in Scotland
4. Respond based on your situation

Scotland-Specific Information

If you’re in Scotland:

• Limitation period is 5 years (not 6)
• Trust Deeds available as alternative to IVAs
• Sheriff Officers (not bailiffs) enforce court orders

Can BCW Send Bailiffs?

No. They are debt collectors, not bailiffs/Sheriff Officers. Cannot enter your property without a court order.

Struggling With Multiple Debts?

Individual Voluntary Arrangement (IVA) - For England/Wales. Write off up to 70% of debt. Check if you qualify.

Trust Deed - Scottish equivalent of an IVA.

Debt Relief Order - For low income situations.

Take control of your debt. Use our free IVA calculator.