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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Wescot Credt Services - Consumer credit License


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anyone know Wescot's current Consumer credit license no, when i look it up on the Gov website it comes up as expired in 2002 ? or are they now part of a larger banking group?

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I DO NOT offer legal advice

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"I just say what I say because everyone is entitled to my opinion!"

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Current Applicant / Licensee:

Business Name Company Registration Number

Wescot Credit Services Limited SC84131

 

Categories:

Consumer credit

Credit brokerage

Debt administration

Debt collecting

 

Right To Canvass Off Trade Premises:No

Trading Name(s) (Current):

2f

WCS Legal

 

Trading Name(s) (Historic):

R.M.S

Wesland Debt Enforcement Agency

Debt Enforcement Agency

Returned Mail Services

Bebt Enforcement Agency

Crown Litigation Services

Debt Enforcement

 

Issued Date: 09-Oct-1984 Expiry Date: 15-Feb-2010

Legal Formation:

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

Name Position

Andrew Robert Punch

Debra Tara Nolan

John Brogden

Jonathan Andrew Graham

Paul Jenkins

Sara Louise De Tute

 

Historic Individuals that run the organisation:

Name Position

Andrew Campbell Sutherland OFFICER

Graeme Richard Brown OFFICER

Kevin Neil Conway OFFICER

Miller Duncan Duguid OFFICER

Mr Brian Charles Firmin OFFICER

Mr Colin Charles Brook OFFICER

Mr Gordon Harrison Pollock OFFICER

Mr Henry Jobson Campbell OFFICER

Mr Reginald Stephen Walster OFFICER

Mr Robert Fleming Grassom OFFICER

Mr William McColl Bulloch OFFICER

Ms Elaine Ann McMillan OFFICER

Richard William Sherrard OFFICER

 

Nature of Business:

Debt Collection

 

Current Address(es):

Address Type Address

Correspondence The Mash, Jarratt Street, Hull, East Yorkshire, HU1 3HA, England

Principal Place Of Business The Mash, Jarratt Street, HULL, HU1 3HB, United Kingdom

Registered Office The Mash, Jarratt Street, Hull, East Yorkshire, HU1 3HA

 

Historic Address(es):

Address Type Address

Correspondence 64, Dalblair Road, Ayr, KA7 1UH

Correspondence Midland House,64, Oswald Street, Glasgow, G1 4PL

Correspondence P O Box 137 Dunedin House 45, Percy Street, Hull, North Humberside, HU2 8HF

Principal Place Of Business 31-35, Fort Street, Ayr, KA7 1EW

Principal Place Of Business 5th Floor 10, Union St, Glasgow, G1 3QX

Principal Place Of Business 64, Dalblair Road, Ayr, KA7 1UH

Principal Place Of Business Dunedin House 45, Percy Street, Hull, East Yorkshire, HU2 8HF

Principal Place Of Business Dunedin House 45, Percy Street, Hull, North Humberside, HU2 8HF

Principal Place Of Business Midland House,64, Oswald Street, Glasgow, G1 4PL

Principal Place Of Business P O Box 137 Dunedin House 45, Percy Street, Hull, North Humberside, HU2 8HF

Principal Place Of Business P.O. Box 137 Dunedin House 45, Percy Street, Hull, HU2 8HF

Principal Place Of Business The Mash, Jarratt Street, Hull, East Yorkshire , HU1 3HA, England

Registered Office 64, Dalblair Road, Ayr, Ayrshire, KA7 1UH

Registered Office Kyleshill House, 1, Glencairn Street, SALTCOATS, Ayrshire, KA21 5JT, United Kingdom

Registered Office Wescot House, 31-35, Fort Street, Ayr, KA7

 

 

AC

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Thanks for that but SC84131 is their Co Reg number, no mention of a Consumer credit license No, correct ?

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

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"I just say what I say because everyone is entitled to my opinion!"

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SC84131 came up as their Co Reg Number when i searched Companies House

 

see below

 

The WebCHeck service is available 24 hours 7 days a week

 

Name & Registered Office:

WESCOT CREDIT SERVICES LIMITED

KYLESHILL HOUSE

GLENCAIRN STREET

SALTCOATS

AYRSHIRE

SCOTLAND

KA21 5JT

Company No. SC084131

 

 

 

Status: Active

Date of Incorporation: 28/07/1983

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

7487 - Other business activities

Accounting Reference Date: 28/02

Last Accounts Made Up To: 29/02/2008 (FULL)

Next Accounts Due: 28/12/2009

Last Return Made Up To: 10/09/2009

Next Return Due: 08/10/2010

Last Members List: 10/09/2009

Previous Names:

Date of change Previous Name

22/11/1988 WESCOT CREDIT SERVICES (SCOTLAND) LIMITED

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

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Licence Number:0148091Licence Status:Current

Current Applicant / Licensee:

Business Name Company Registration Number

Wescot Credit Services Limited SC84131

 

Categories:

Consumer credit

Credit brokerage

Debt administration

Debt collecting

 

Right To Canvass Off Trade Premises:No

Trading Name(s) (Current):

2f

WCS Legal

 

Trading Name(s) (Historic):

R.M.S

Wesland Debt Enforcement Agency

Debt Enforcement Agency

Returned Mail Services

Bebt Enforcement Agency

Crown Litigation Services

Debt Enforcement

 

Issued Date: 09-Oct-1984 Expiry Date: 15-Feb-2010

Legal Formation:

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

Name Position

Andrew Robert Punch

Debra Tara Nolan

John Brogden

Jonathan Andrew Graham

Paul Jenkins

Sara Louise De Tute

 

Historic Individuals that run the organisation:

Name Position

Andrew Campbell Sutherland OFFICER

Graeme Richard Brown OFFICER

Kevin Neil Conway OFFICER

Miller Duncan Duguid OFFICER

Mr Brian Charles Firmin OFFICER

Mr Colin Charles Brook OFFICER

Mr Gordon Harrison Pollock OFFICER

Mr Henry Jobson Campbell OFFICER

Mr Reginald Stephen Walster OFFICER

Mr Robert Fleming Grassom OFFICER

Mr William McColl Bulloch OFFICER

Ms Elaine Ann McMillan OFFICER

Richard William Sherrard OFFICER

 

Nature of Business:

Debt Collection

 

Current Address(es):

Address Type Address

Correspondence The Mash, Jarratt Street, Hull, East Yorkshire, HU1 3HA, England

Principal Place Of Business The Mash, Jarratt Street, HULL, HU1 3HB, United Kingdom

Registered Office The Mash, Jarratt Street, Hull, East Yorkshire, HU1 3HA

 

Historic Address(es):

Address Type Address

Correspondence 64, Dalblair Road, Ayr, KA7 1UH

Correspondence Midland House,64, Oswald Street, Glasgow, G1 4PL

Correspondence P O Box 137 Dunedin House 45, Percy Street, Hull, North Humberside, HU2 8HF

Principal Place Of Business 31-35, Fort Street, Ayr, KA7 1EW

Principal Place Of Business 5th Floor 10, Union St, Glasgow, G1 3QX

Principal Place Of Business 64, Dalblair Road, Ayr, KA7 1UH

Principal Place Of Business Dunedin House 45, Percy Street, Hull, East Yorkshire, HU2 8HF

Principal Place Of Business Dunedin House 45, Percy Street, Hull, North Humberside, HU2 8HF

Principal Place Of Business Midland House,64, Oswald Street, Glasgow, G1 4PL

Principal Place Of Business P O Box 137 Dunedin House 45, Percy Street, Hull, North Humberside, HU2 8HF

Principal Place Of Business P.O. Box 137 Dunedin House 45, Percy Street, Hull, HU2 8HF

Principal Place Of Business The Mash, Jarratt Street, Hull, East Yorkshire , HU1 3HA, England

Registered Office 64, Dalblair Road, Ayr, Ayrshire, KA7 1UH

Registered Office Kyleshill House, 1, Glencairn Street, SALTCOATS, Ayrshire, KA21 5JT, United Kingdom

Registered Office Wescot House, 31-35, Fort Street, Ayr, KA7

 

 

AC

 

Whoops!

I didn't copy & paste right to the top of Doc.

 

Now amended:)

 

AC

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ok so its Licence Number:014809, thanks

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

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"I just say what I say because everyone is entitled to my opinion!"

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I'm just a natural cynic when it comes to these things

 

me too!

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

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