RBS - Wescot

Jeff2000 · 3rd February 2007, 16:33

Hello everyone,

I have a debt with RBS. This has been passed to Wescot for recovery. What are these people like to deal with?

I don't have a problem coming to an arrangement to repay, and there are no unlawful charges to claim. So I just want to know how to deal with this lot.

Many thanks in advance, Jeff.

lookinforinfo · 3rd February 2007, 16:53

I have never had the pleasure of finding out Jeff, but I would still send them
a CCA request to see how efficient they are, and to ensure that they do have
the right to collect money from you. And it lets them know that you are not
to be messed with. Not bad value for a £1......

diskmandave · 4th February 2007, 02:49

I agree, with the not to be messed with bit.....

I'm with Wescot (MBNA), £4K. Send them the CCA Request.

Keep us posted on how U r going with them...

From looking at previous posts Wescot are difficult to deal with?!

Regards - Dave.

Jeff2000 · 4th February 2007, 18:35

Thanks for the replies,

The debt that I refer to hasn't been sold to Westcot, it has just been passed for collection. It was originally given to AIC to collect, but they must of given up.

So should I still send a CCA request?

Cheers, Jeff.

MARTIN3030 · 4th February 2007, 18:49

Are you absolutely certain the debt has not been sold ?
RBS usually use their own in-house collections at Telford.
The main reasons you do need to send the cca request is because this should tell you who is the owner.
I would also consider sending RBS an s10 notice.
Was the account seved a default ?
and did you get proper notification of this if so ?

Jeff2000 · 6th February 2007, 14:18

Hello Martin,

According to the letter I received, it does say they are acting for their clients RBS. I have certainly never received anything that would suggest that this account has been sold.

I sent a Subject Access Request a while ago, just got statements back.

I think this is for an old Orange visa cc, which was taken over by NatWest.

Cheers, Jeff.

Jeff2000 · 12th February 2007, 23:25

Hello again,

I have sent a letter to Westcot basically telling them that I will only deal with the original creditor regarding this account. Also told them that I will be complaining to TS about their letter. (threatening legal action, home visits etc).

I don't expect a reply, but lets see what transpires next!

Jeff2000 · 15th February 2007, 20:54

Hi all,

Well, I have got a reply. Very quick indeed!

This is what it says:

Thank you for your recent contact with regard to the above account.

We acknowledge that you have raised a query on this account and we would like to confirm to you how this will be investigated.

What will happen?

We will suspend all collection activity on the above account whilst the matter raised is under investigation. This means that we will not write to you, or telephone you in pursuit of the account whilst it is being investigated.

However, we may need to contact you if we require further details or wish to clarify any information that you have provided to us.

As our investigation of your query will require us to contact our client, this process may take several weeks. We would appreciate your patience during this time. (NO WORRIES!!!)

Upon concluding our investigation, we will contact you again.

What can you do?

If further information to help us investigate or resolve your query can be provided, we would be grateful. If you wish to contact us to discuss this matter, please telephone us on 0870 024 0439. (PREMIUM RATE, ME THINKS!!!). Alternatively, you can write to us at the address above.

We can be contacted 7 days a week.

Yours sincerely

Ineligible scribble.

That's it in its entirety.

What do you reckon?

Ta, Jeff.

diskmandave · 15th February 2007, 21:01

Let them get on with it! Several weeks sounds great!

Knowing this bunch, if you CCA them after they've finished faffing about they'll probably back off and send the account back to their client...

Good luck, Dave.

lookinforinfo · 15th February 2007, 21:23

Well they have accepted your CCA request. They now have to adhere to the
timetable set down by the Act, not their own. And until they comply, they cannot pursue you for the debt.

Jeff2000 · 15th February 2007, 22:10

Quote:

Originally Posted by diskmandave

Let them get on with it! Several weeks sounds great!

Knowing this bunch, if you CCA them after they've finished faffing about they'll probably back off and send the account back to their client...

Good luck, Dave.

Yeah! Several weeks sounds just fine to me!

Jeff.

Jeff2000 · 18th February 2007, 20:52

Hi all,

So, bearing in mind the letter I received from Wescot in post #8.

Yesterday morning I received this from them:

Dear Mr Jeff2000

Further to our recent correspondence regarding the above account, passed to us for collection by our client, The Royal Bank of Scotland plc, we note from our records that the balance remains outstanding.

Our client is prepared to assist you in clearing this debt by offering you the opportunity to make a reduced settlement on the outstanding balance on very favourable terms.

To take advantage of this opportunity, please contact us now on 0870 024 0440. (PREMIUM RATE).

It goes on to explain that this is a once in a lifetime special offer etc...

Only available for 10 days etc...

Jeff.

lookinforinfo · 18th February 2007, 22:58

Just keep thinking that if they don't comply within the specified time, the
settlement terms will be even more favourable.

Not bad I suppose, they have managed to go four days without a breach of
the guidelines-then two on the same day.[The use of an 0870 number was the other].

maggie · 18th February 2007, 23:31

Hi ,sorry but I have been informed by Trading standards ,that the 0870 is national rate,not premium rate,as I have had an ongoing fight with Wescot ,for quite a while now.they are well over the time limit to reply to both my requests for the cca and my Subject Access Request.I have received nothing from them,so I have now informed TS ,and they are dealing with it at the moment.See my thread ==Wescot =please help

Maggie

Jeff2000 · 19th February 2007, 19:43

Quote:

Originally Posted by maggie

Hi ,sorry but I have been informed by Trading standards ,that the 0870 is national rate,not premium rate,as I have had an ongoing fight with Wescot ,for quite a while now.they are well over the time limit to reply to both my requests for the cca and my S.A.R - (Subject Access Request).I have received nothing from them,so I have now informed TS ,and they are dealing with it at the moment.See my thread ==Wescot =please help

Maggie

Hi maggie,

I will have a look at your thread when I get time.

Regards, Jeff.

Jeff2000 · 23rd February 2007, 13:17

Hi all,

I've just received a another letter from Wescot this morning.

It is basically along the lines of the letter I mentioned in post #8! Saying that they are investigating my complaint, and that this may take some time etc.

I don't really think they know what they're doing at the moment!

Jeff.

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit--	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki