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Westcot credit services & RBS 'debt'


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Hi everyone

 

I wonder if someone can help us,

 

my other half received a letter from Westcot credit services around two weeks ago,

on behalf of the RBS group alleging he owes just under £60.

He has no knowledge of the debt and has had no correspondence from RBS - or anyone else - regarding this debt prior to this letter.

 

We have a bank account (which is not in arrears) with NatWest,

and he had a credit card with them a couple of years back which has been paid off in full & destroyed so we have no idea where this has originated from.

 

A google of westcot soon threw up the fact that they're not exactly reputable,

 

we wrote to them asking for confirmation of the alleged debt in writing within ten days.

 

Today, he has received a letter from them asking him to confirm his DOB & last address including the date the property was vacated.

 

Obviously, we're not going to provide these to Westcot, but just wondered how we should play it next, does anyone have any advice?

 

Sorry if this is duplicating threads as I know other users have had similar letters but all seem to be in slightly different circumstances to us

(I.e. they acknowledge where the debt has come from)

 

Thanks!

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Did you send a 'prove it' letter? If so, ignore EVERYTHING unless it is a valid response, or a court claim. Don;t provide them with info, after all, theyve just contacted you in regards to a debt. They know who you are. They dont have any info, so are trying to trick you into giving them enough info to create a debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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It wasn't the template letter from here but was basically a scaled down version, is it worth sending them the template letter too, just to be on the safe side do you think? Thanks for responding so quickly!

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check his CRA file

 

see below

 

make sure its not been trashed

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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did you get that cra file?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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