Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I received a letter today from Westcot stating I owed BOS £5k. This debt was in scotland but they have tracked me to my new address in Newcastle!!! Clever!!!! Anyway my partner paniced and pretended to be me on the phone (i used to work for BOS!!!!!!! I got disiplined for refunding charges!!!!!!!!)
Most of this £5k is bank charges. It will have defaulted as I have been in Newcastle since March 2006 and last used the BOS account in December 2005.
Can I claim back charges from BOS to reduce the debt to Wescot?
Is there away to get out of paying Westcot if they dont have certain documentation?(read about something on forum)
Because I live in England can I do the claim on Moneyclaim?
Can I claim back charges from BOS to reduce the debt to Wescot?
Yes!
Is there away to get out of paying Westcot if they dont have certain documentation?(read about something on forum)
Is this for a loan or credit card? I'm not too clued up on this but you need to send them a properly formatted request for the original signed agreement and if they don't send it within 12 working days they are in default of the agreeent. If they don't send it in a further 30 calendar days they are commiting a criminal offense and that would put you in an advantageous position to get the debt "written off". Do a search for "cca request" and you should find as lot of info on the forum!
Because I live in England can I do the claim on Moneyclaim?
Or do I have to do it through Scottish law etc?
You can use moneyclaim online!!
Good luck!!
PS templates are all in the bank temoplates library!!
Hi apologies - another first time user not familiar with the forums. I'm in a similar situ with HBOS. You mentioned a properly formatted request for original signed agreement. Can you give me any guidance how I do this and what the letter should state?
Hi Jaffa welcome to the CAG, you would be better starting your own thread on this then you will get help quicker.
What they are on about is a CCA Request, template N in the library, it needs to be sent to the DCA or OC with a £1 potal order via recorded or special delivery.
This will mean that the DCA or OC has to provide proof that they are entitled to collect on the alledge debt.
Hope this is OK but if you do a search of the CAG there are many threads that explain this better than me.
also use the SAR request letter, costs a tenner but the two together give you all the info you need to assess your situation and decide what to do. both invaluable
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DCA Theats: Jystmystry V's Wescot - I Win (link) Default Removal: Jystmystry V's NatWest - In Progress (link) General Debt - Jysmystry v's Optical Express (link)
Bank of Scotland & Westcot
£5k. This debt was in scotland but they have tracked me to my new address in Newcastle!!! Clever!!!! Anyway my partner paniced and pretended to be me on the phone (i used to work for BOS!!!!!!! I got disiplined for refunding charges!!!!!!!!)
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