Good afternoon

Im not sure if I am posting in the correct place so please let me know if not

I sent a CCA letter to Wescot who have recently taken over my Nat West debts

I have today received the attached reply and they have enclosed my £1 postal order.

Want is my next step please, do I have to send the request to someone else or are Wescot in the wrong

Many thanks

Wescot are only acting on behalf of the ocean. Ignore them completely

Thank you @renegadeimp

So how does that leave me, I have sent them the CCA but they have returned it. does that mean that they are still liable to produce the required documents or will they say that they have instructed me to ask someone else for them.

I suppose I am asking what to expect and whether or not I should be relying to tell them that it is their responsibility and not mine

Edit

Ignore wescot . Send cca to the oc

Thanks @renegadeimp

I have another question, if the OC provides the correct information what do I do then. Wescot will still be chasing but they won't know that I have the documents. Wescot have told me that they have taken over the account so I dont understand how this will all pan out

westcot (wetcloths) only collect they do not own (buy) debts therefore they are only collectors, you still need not deal with them.

Are I see. This one is concerning a credit card but I sent them another one regarding a loan, I imagine I will get the same letter back regarding that

Many thanks

Sorry I have another question

The CCA letter I used for Wescots (from your library of letters) told me to delete part of it if the letter was going to a DCA and not the original creditor.

Will I now need to send the full letter (with no deletions) as it is now going to the original creditor

Many thanks

Sorry I have another question

 

The CCA letter I used for Wescots (from your library of letters) told me to delete part of it if the letter was going to a DCA and not the original creditor.

 

Will I now need to send the full letter (with no deletions) as it is now going to the original creditor

 

Many thanks

Sorry please disregard the above post. I have confused myself but am sorted now

Good morning

I am going send the CCA to the original creditor as suggested here but am wondering what happens now when Wescot start to chase me for payment (if they are only acting behalf of Nat West and don't now own the debt). My understanding is that they don't have the right to if they can't produce the relevant paperwork as originally requested.

If the original creditor produces the paperwork how does this authorise Wescot to collect

Many thanks

Wescot can't do anything unless they own the debt. Stop worrying about them. Theyre a talking shop. Nothing more

Thanks @renegardimp

If they start to chase with letters shall I post them here

Or just use those letters as emergency toilet paper. It's what they're good for.

What's the story behind this debt please?

The fact that you sent the CCA request to wetcloths who should then forward it to their client, but didn't, is IMO a failure to supply the CCA.

That is of course if this debt comes under the CCA, if it is an overdraft, then it won't.

I do question doing wetcloths job for them though, I'd be sitting on my hands and not sending a new CCA request to the OC.

When was it taken out pre or post 2007?

What debt is it?

Have you checked your credit files?

When was the last time you paid anything toward this?

Hi there

The history is here

http://www.consumeractiongroup.co.uk/forum/showthread.php?467679-Unable-to-pay-DMP-as-now-unemployed

I was advised to start a new thread when I got any replies so I did, I have now already posted the CCA request to the OC

OK, good, so it's a loan, and a credit card?

You'll need to send them a CCA request for each, HOWEVER, wetcloths should have forwarded on your request to them, they didn't so IMO they've failed.

You can withhold payments if you wish, OR simply drop them down to £1 a month.

But if you're paying wetcloths, I'd be inclined to stop paying all together.

They haven't rolled these two accounts into one have they?

The DMP that was in place now shows Wescot as the people to pay and the 2 amounts show as a total on my statement, I haven't paid the DMP since I started the original thread as I don't have a job. I will not be paying the DMP again and in any case it will be cancelled next month by step change as it will be 3 months since it was paid

edit

OK, once the DMP fails, then you can take back the reigns and go on the offensive.