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received this letter this morning from wescot credit services.
letter was dated 26/06/2006
final notice
despite previous correspondence a balance still remains outstanding on the above debt.
unless you make payment of 698.52 within the next 7 days a claim form/summons may be lodged with hull county court or the local sheriff court for residents in scotland and subsequently issued to you for payment of the outstanding balance plus all statutory legal expenses as follows
amount claimed £698.52
legal expenses £150.00
total amount £848.52
and in big black letters is written payment due before the 3rd of july 2006
this debt is from an account i had with studio cards.i have spoken to wescot over the telephone a few weeks ago,and sent them a complete Breakdown of my income and expenditures,and offered to pay them £10.00 per week.unfortunately ,i had to see the heart specialist a couple of weeks ago,and they kept me in for tests,and i am about 4 or 5 weeks behind with my payments .some of this debt is made up of charges from studio cards.there is no way i can repay this amount in full by the 3rd july.please help as i am really concerned and terrified about this.
contact them and explain that you have had to stay in hospital and can you resume your £10 p/w payments. They should be ok with this (although may ask for the past 5 weeks money). do you have any proof you were in hospital ? Or maybe your doctor can do you a letter. If it did go to court then at least you can show you were willing to negotiate and it's not like you can sort things out from a hospital bed is it ?
I would try and talk it through to them, they probably don't want to go to court any more than you do
Unfortunately, i have had lots of dealings with Wescot through my partner's debts.
1. Don't be intimidated by them
2. NEVER have any contact with them over the phone, they lie through their teeth and are totally inept!
3.Send all correspondance recorded delivery, and make sure you note it in your letter
4. Get as arsey as they do, and threaten that if it does go to court, due to you financial circumstances etc that you will no doubt be allowed to make a much lower payment over a longer period of time
5. I usually always put on the offer letters that payments will be increased as and when possible as I wish to clear this debt as soon as possible
As above Wescott are better contact by Letter recorded Delivery. Sometimes you do get someone nice on the phone though this is rare.
Don't let them intimidate you, if it did go to court it would work in your favour as most likely the court will accept the £10 per month.
In your defence you could explain you were at the doctors etc and if you can get proof of this then that would be even better.
Best thing to do though is call and say you are making payment and explain the circumstances. Most times they will be understanding.
Hope this helps.
Completed: Woolwich: Received £30 Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball. Barclaycard: Received £90 HFC: Received £170
wescott left a message for me to ring them on a number beginning with 0870.As stated previously my debt with them is from studio cards and gifts.After browsing this forum,i realise that charges had been applied to my account with Studio,before the debt was passed to Wescot.I want to find out what amount of charges were added to my original acc. with studio.Do i send the £10.00 D.P.A. request to Studio for the amount of charges levied,or do i ask Wescott tp provide them?.Also ,do i inform Wescott that the account is in dispute,before i send the D.P.A. letter or when i have requested the information from Studio?,I will also request, in writing ,that they no longer contact me by telephone,but by letter.Any help would be most appreciated.
Wescot Credit Services Ltd
PO Box 137
Dunedin House
45 Percy Street
Hull
HU2 8HF
However, if you have a dispute or some problem and don't hear anything. Add Process and Compliance Coordinator to the address. They have a habit of "loosing letters" even when sent recorded which to me is useless.
Completed: Woolwich: Received £30 Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball. Barclaycard: Received £90 HFC: Received £170
i have had dealings with westcot........ about five years ago i had home contents insurance through norwich union, but as i was moving to germany and they could not insure me over there i had to cancel my policy.........end of story........or so i thought.
earlier this year i had a letter from westcot caliming x amount of pounds from me, in relation to my old policy with norwich union...this completely baffled me, as i have heard nothing from norwich union...
so i phone norwich union , on the war path asking why they set westcott onto me, without even contacting me themselves, the very helpful fella, after lots of memory jogging got my details on screen and said my account was closed and had been for years, there was never an issue with it....
with regards to everyone who has said either that wescot are "inept" and that you "call them allsorts", can i just say this is exactly why i ended my emplyoment with wescot - i could not stand the way i was being spoken to by customers. i come from a long customer services background and have never been spoken to as rudely as i was when working for wescot. i was always professional and polite when dealing with customers, but 9 times out of 10, i would get a torrent of abuse thrown at me. i had to leave as it was causing me to sink into depression. with regards to paying of a large debt, £10 a week should be fine if you have offered to pay that, you just need to discuss it with the agent you speak to. i accept that some agents are rude on the phone but most of us are just trying to do a job, and someone coming on the phone screaming and shouting doesnt do anyone any favours. some of the names that i was called are too disgusting to repeat, and i would never dream of speaking to anyone the way i was spoken to. please remember we are all human beings, and everyone deserves respect.
I have just started with my case, is about sky.
One day I cancelled sky talk. It was 2nd of november 2008. So I thought that im with BT and I used phone like everyday .After time on my line appeard information that cannot make calls because I didnt pay ma bill.
It was surprise.So I rang to sky and lady informed me that they reinstall sky talk .Is it normal in UK (by the way Im from Poland , Can they reinstall service without my knowledge ? ) .And after time I received a letter from Wescot credit service about my bill .I will not pay , of course .I informed Wescot credit that I cancelled Sky talk service on 2nd of Nov 2008 and they answered me that they still want money . Can someone tell me how it works in this country ?
It is unrealistic to say you called Sky to cancel, THEN expect you were somehow back with BT. It is not an 'either OR' situation. You can tell Sky you plan to terminate, but it remains your responsibility to arrange whatever new telco you require to take over your service, and Sky will then let them.
If you didn;t do this, then Sky would continue as your supplier, and all costs incurred would be at your agreed rate.
I spoke with BT after ,( by the way I was and Im BT customer since 2007 )
So when I ordered Sky TV I didnt realize that I will have to many problems.
I informed Bt that I have been told that they have to take over my calls .
More than 10 times.
I have confirmation from BT ( I spoke with them today ) that It is not needed to ring them and say that they have to take over the calls. Bottom line is When I cancelled sky talk - It means it Is cancelled .and contract must be terminated staightaway.
You need to establish what type of relationship you have with Sky Talk. (1) Where they are the call provider - in which case, BT is still required to provide the line and TWO bills mst be paid, one to BT and the other to Sky for calls. (2) Where Sky take over the installation, and you receive only 1 bill for calls and line renal (from Sky).
I'm describing the latter. If you have the first option, then you are correct that you can tell Sky you no longer wish to use their services, and the calls will revert to BT. However, it is often useful to check with BT that this has been done.
with regards to everyone who has said either that wescot are "inept" and that you "call them allsorts", can i just say this is exactly why i ended my emplyoment with wescot - i could not stand the way i was being spoken to by customers. i come from a long customer services background and have never been spoken to as rudely as i was when working for wescot. i was always professional and polite when dealing with customers, but 9 times out of 10, i would get a torrent of abuse thrown at me. i had to leave as it was causing me to sink into depression. with regards to paying of a large debt, £10 a week should be fine if you have offered to pay that, you just need to discuss it with the agent you speak to. i accept that some agents are rude on the phone but most of us are just trying to do a job, and someone coming on the phone screaming and shouting doesnt do anyone any favours. some of the names that i was called are too disgusting to repeat, and i would never dream of speaking to anyone the way i was spoken to. please remember we are all human beings, and everyone deserves respect.
All is ok , but what if Company ( whatever we called them ) asking about your money when information provided is based on crime ?
Crime means - information provided is diffrent than true , and is believed that they know about it.
I recently applied for a mortgage but was declined!
I ran a credit report to check on why this could happen,
I found a default on my account from wescot so i have searched all the paperwork i seem to hoard to find out what this could be for.
I found it was for a mobile phone i had with vodafone!
This is where it gets confusing.
The phone in question was transferred to my ex boyfriend,
but vodafone transferred the wrong numbers!
I wrote to them to inform them of this and never heard anything again.
I have since moved from the property that debt was registered at so have had no correspondence with either vodafone or wescot.
Unfortunately this debt is not 6 yrs old yet!
Its only 5 years old so my concern is how i go about getting it removed from my credit report without getting into a big battle about the debt being recorded to me in the first place in error.
Anybody got any info they think may help me,
I would really appreciate any help.
(1) Wescot cannot default you. ~ You had not given them permission to do so, so if they are shown as the primatly insticator, get them to remove it.
(2) 'Transferred' seems confusing, and the end result of no consequence to you. If they transferred the 'wrong' numbers, then your original agreement remained and you liable for it.
(3) Ensure this IS on you file. You may be seeing your Ex'BF's default but linked to yours.
As you have less than 12 months to it being a no-show on your file, it may mean a lot of effort for little gain. The issue you needd to address is the debt if it was still with you, remained your reswponsibility.
wescot credit services.help!!!!!!!
or the local sheriff court for residents in scotland and subsequently issued to you for payment of the outstanding balance plus all statutory legal expenses as follows
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Re: wescot credit services.help!!!!!!!
Re: wescot credit services.help!!!!!!!
Originally Posted by number1234
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