wescot credit services Ltd

[black death bailey]

basically i owe o2 money from 1 year ago....however i moved house with parents and told them ii was unemployed and they left me alone untill now...i got a letter of the wescot credit services for £450 for the 2nd of febuary when i am still unemployed.. i have been told i could make them a offer of anything i say however they was saying to me on the phone just then they cant accept nothing below £20 every two weeks is there anything i could do about it?

plz help

thx

[lookinforinfo]

Do not deal with these people on the phone-do it by recorded delivery letters. That way you have proof they have received it, and it prevents them from harassing and threatening you over the phone where there is no concrete proof later of anything they have said.

You will need to send an Subject Access Request to 02 to find out if they have sold the debt to Westcott and how the £450 was arrived at. Normally there will be charges
applied to the account when you miss payments or the yhave to write to you.
With many companies they over charge for this and are therefore unlawful.
You also do not have to pay them.
When you send the Subject Access Request to 02, tell Westcott what you have done, and that
the account is now in dispute and until 02 responds, Westcott is unable to
pursue you for the debt. At the same time inform them that you will not deal
with them by phone in future-by letter only. You can tell them that you believe there are unlawful charges included in the debt that you are not prepared to pay.
You will find the Subject Access Request template letter in the FAQs on the first page of the forum.

[iwannabedebtfree]

wescot accepted £2.60 per month off me so dont believe them as lookingforinfo has said keep everything in writing.

[black death bailey]

is there anything they can do to me if i say im not reachable by telephone?

and on the records of o2 it shows that exact ammount of which i stated (the £450 rounded up)

also if i say to them i have been on this website and say to them there are people in the same cicumstances as me and are paying less then me would they accept that? or should i ask to speak to a supervisor on the phone or just write to them in letter? as origanally stated?

[lookinforinfo]

If you read the FAQs on the first page of the forum, you will find that included
in thr £450 will be charges that 02 have applied because you have missed payments for example. As these charges are not the actual cost to them of
the dealing with a missed amount, the charge is unlawful and so you can
reclaim it, thus reducing the debt. The Subject Access Request will reveal how much they have charged in reclaimable charges.

Before taking any kind of action against you, they have to inform you, and
it is normal to give you seven days notice. So do not speak to them on the phone as it may give them a chance to say things that they would not, in
writing. And you have no record of what they say.

Not sure that you would gain anything by saying that you have been to the website. The fact that someone else is paying £1 a month a month has no
bearing on your repayments. Every case will be treated differently by them.
And the less they know about how much you know about the law and DCAs,
maybe better for you.

Send Westcott a CCA request along with a £1 postal order. This stops them
in their tracks. They can do nothing about pursuing you for the debt until
they have sent you all the documents necessary to comply with your demand.

this is designed to prove they have a right to collect the debt, and if they
can't produce the docs in time, THEY commit an offence, and will then have
to go to Court to get permission to pursue the debt. In view of the small
size of your debt, they will not do that.

[Bilgeman]

I don't know if this has been posted on the site before but it may be of interest, especially the 14 July 1006 entry by cisum2003 .

Hope it helps

Wescot Credit Services - Blagger.com - The place to leave feedback and comments about companies you have used

[hiphil]

I have also had dealings with Wescot, where they tried to make me increase my monthly payments. However, I just kept sending them the amount I offered them via Payplan, and eventually they accepted this.

If they are bullying you into paying more than you can afford, Wescot are breaching the Office of Fair Trading (OFT) Debt Collection Guidelines.

If they refuse to accept your offer, then you could fill in the OFT's DCA complaint form, and post it to the OFT, together with copies of any letters you may receive from Wescot.

You can download the complaints from from the link below:

http://www.oft.gov.uk/NR/rdonlyres/B.../complaint.DOC

[ja-de]

I'm also having problems with westcot, because of someone who lived at my old address about a year AFTER I moved out. Westcot sent me letter telling me that I owed over £140, for goods bought from Choice catalogue. Does anybody think I should send a letter to the catalogue, to request copies of all relevant paper work, as I assume there should be a credit agreement somewhere.
All advice will be very welcome
Thanks
ja-de

[ODC]

Originally Posted by ja-de

I'm also having problems with westcot, because of someone who lived at my old address about a year AFTER I moved out. Westcot sent me letter telling me that I owed over £140, for goods bought from Choice catalogue. Does anybody think I should send a letter to the catalogue, to request copies of all relevant paper work, as I assume there should be a credit agreement somewhere.
All advice will be very welcome
Thanks
ja-de

The debt is nothing to do with you. Why should you help Westcot

[ja-de]

It's not to help Westcot, it's to help me find out who did it, & maybe, possibly bring charges against them. As for Westcot, I want to get my name cleared so that I can get on with my life, & also close my Halifax account (see link) http://www.consumeractiongroup.co.uk...n-halifax.html & move everything over to my building society account. Until then I just feel as though I am stuck in limbo.

[Bazza100]

Please if you can't afford the debt do not respond to any correspondance always deny the debt, do not speak to them. there is nothing they can do. you will only restart the debt. They have six years to get you to pay then there is nothing they can do.

[ja-de]

Thanks for the advice Bazza, but I have to tell you that the problems I had with Westcot & Haliprats, have now been fully resolved, I actually won both cases in July & September of last year.

[peegee1943]

Originally Posted by ja-de

I'm also having problems with westcot, because of someone who lived at my old address about a year AFTER I moved out. Westcot sent me letter telling me that I owed over £140, for goods bought from Choice catalogue. Does anybody think I should send a letter to the catalogue, to request copies of all relevant paper work, as I assume there should be a credit agreement somewhere.
All advice will be very welcome
Thanks
ja-de

Hi.
I am having the same trouble with my previous address. The police tell me that it is NOT a criminal offence for someone to use my name to obtain credit and then default. Wescot will keep on biting you for the debt, and when they finally cannot get it, they will smack you in the mouth by placing your name on Experian Credit Reference Site where you cannot get credit. I have tried and tried with wescot by giving them proof from council that we were not living there on those dates, but wescot just destroys the proof and keep saying they have not received it. I know how you feel, as this is the third time from my previous address that I have been hiot for debt which is not mine. The trouble is that when you leave your old address, leaflets from these catalogues etc go through the letter box, and them people then use yer name to get credit. If the police will not class this as a criminal offence then something is wrong. If I was to use the Chief Constables name to get credit and then default, then it will be a crimal offence.
Pete

[peegee1943]

Originally Posted by ja-de

I'm also having problems with westcot, because of someone who lived at my old address about a year AFTER I moved out. Westcot sent me letter telling me that I owed over £140, for goods bought from Choice catalogue. Does anybody think I should send a letter to the catalogue, to request copies of all relevant paper work, as I assume there should be a credit agreement somewhere.
All advice will be very welcome
Thanks
ja-de

It is no good writing to the catalogue, as they will not entertain you, as they have sold the debt on to wescot