T Mobile/Westcot debt collectors

[wannagethelp]

Hello can somebody help me please,,,,,my son changed his tariff with t mobile to a new cheaper one,,,,what he didn't realise is that this new cheaper tariff didn't start till approx 3 weeks later so this resulted in a bill of approx £400,,,,,when he called t mobile they wouldn't accept his offer of £50 a month on top of his bill until fully paid, disconnected his phone and insisted 'all or nothing',,,,, and have now sent letters from a company called Westcott.....my son is now off work, lost his job,,,is severely depressed due to unrelated matter but I am very concerned as his credit has always been good and obviously he doesn't want any defaults on his credit file......what can we do? Can anybody help or advise us,,,,,Westcott keep phoning the house

[Bigmac versus]

Wescott are they debt collection agency?
Did you put in writing the offer of £50 pcm to t-mobile?
When your son changed his tariff did he recieve new terms and conditions?
if the answer to the first question is yes then they may have already defaulted him, send for credit reports to see, and in the mean time the dca will accept a lot lower payments than what you previously offered as he is now out of work, and would have paid very little for this debt so you could ask for a settlement figure of around say 40% to start with, they may accept around 50% but make sure this is accepted as full and final acceptance in your letter to them.

[wannagethelp]

Yes, westcott are a debt collecting agency,,,,,,,no he didn't put it in writing only spoke to a teenager who was quite stroppy,,,,,,,I will speak to westcott tomorrow and try to make a smaller offer in offer of full and final settlement,,,,,,,,thanks George, much appreciated.

[Bigmac versus]

Start with say 40% knowing they will always try and make it a bit more, an remember to send it as full and final payment, copy this before you send it, good luck and hope your son gets better soon.