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Me and lots of old debt


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Hi,

Had a letter today from wescots saying that Santander are offerring a discount!

I do not believe them, so the letter is filed and ignored.

Pathetic really. Just because they are not getting a response, they think that by baiting a hook they’ll get somewhere. Nah!

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Satansbank wouldn't offer a discount, unless they were discounting the fee and charges they refund anyway.

 

 

Wetcloths are equally as stupid.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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you never reply to wetcloth

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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I’ll never reply to them!

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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  • 3 weeks later...

The clearly have thrown their teddy out of the prom, cos they say in their latest missive that if they don't hear from me they'll pass the matter back to the originators, the OC.

 

Fit of pique?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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  • 2 weeks later...

hi Honeybee,

 

Having a nightmare with my printer/scanner at the mo, but should be with you v soon.

 

BTW. I reached the ripe old age of 65 recently, so all I have is the state pension.

 

I have moved in with my girlfriend though, so most of that is taken up with rent & bills etc.

 

H



 

We understand there may be a number of reasons why you have not yet addressed the outstanding balance on this account.

 

You may feel you are not in a position to start making an acceptable level of repayment against your balance or that you don't know how best to manage your way through your current debts.

 

We are specialists in establishing repayment plans that best suit the needs of customers and our clients. For the majority of customers we are able to agree a repayment arrangement tailored to their individual circumstances, which is both affordable and sustainable. lf you call us to discuss your current situation we can also identify the options most suited to you.

Choosing to contact us means......... You have an opportunity to take control of this account with re-payments that you agree and that you can afford v No further phone calls, letters, text messages will be sent from us v You have the potential to improve your credit rating.

 

To resolve this matter please call us urgently on the number above and one of our dedicated advisors will be able to help.

 

We can be contacted 7 days a week:-

Monday - Friday: 8am - 9pm

Saturday: 8am - 4pm

Sunday: 9am - 4pm

 

lf we are unable to discuss this matter with you to agree a way forward on your account it will be returned to our client in order for them to consider the next steps to be taken to recover the outstanding balance.

 

Yours sincerely

 

 

Wescot Credlt Services Ltd

Wescot Credit Services Limited

Registered in Scotland: Wescot is authorised and regulated by the Financial Conduct Authority,

Please note calls may be recorded for training and monitoring purposes

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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BTW,

 

Do I have to tell my OCs my new address?

Is it not acceptable for solely by email?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Yes you shoul d tell the owners of you new address and not by email!!

 

Not sure how many more times we need to say ignore wetcloths!!

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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Yes you shoul d tell the owners of you new address and not by email!!

 

Not sure how many more times we need to say ignore wetcloths!!

 

I’ve ignored them from day one. They’ve never got an answer from me!

I’ll pen letter to the OC’s ASAP.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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only send it to the OC if they've not SOLD the debt on

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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Yes always always inform creditors of any change in address, this ensures you know exactly what they're up to regarding any ccjs they try and sneak through.

 

 

 

Also ensure your credit file is updated.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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All my creditors have sold the debts on. Do I really have to inform the dads?

 

Dca's

 

My credit file I access through noodle.

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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ideally you should

you run the risk of backdoor CCJ's that you'll know nowt about until a bailiffs comes a knocking esp as DCA's own all your debts?

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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I’m confused now.

On the one hand, I’m being advised to stop all payments and that I won’t be pursued.

Then I’m told to inform everyone where I live, and that I could also get a cockpit via the back foot if I don’t.

Survey it would be better to reinstate the paltry payments I was making & avoid the cockpit.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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eh?

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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Sorry. Fat fingers & small phone!

I’ve stopped payments to all my creditors now.

I believe I can update my credit file via noodle too.

I’m at Pain’s to avoid ccj’s too.

All I have is my pension.

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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well you could write to each owner of each debt and simply inform them of your new address

or you can run the slight risk of a CCJ

but I doubt they'd get any money out of you as you are not on the mortgage/deed of where you live so they cant get a charging order anyway

and what income you have [pension?] would only result in £1PCM anyway too

 

so up to you.

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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Share on other sites

I was paying the oc's at £1 pcm each when I stopped.

The first one , Santander, contacted wetcloths after I stopped payments when the dca failed an SAR.

I'm assuming that the same thing will happen with the other accounts.

So: I propose to change the address on my credit file, and write to each of the OC's to tell them of my situation.

I do not have the funds to pay these debts off.

For example, my rent is £300pcm. Add in my phone, car insurance and food contribution, and its all gone.

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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wners NOT the OC's if they've been sold on

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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Share on other sites

I know. The DCA’s get the debt when it’s sold on.

I stopped the payment to the DCA when they failed an SAR for the Santander bank. That resulted in the letters from wet cloths that I’ve been ignoring.

I’ve ignored all letters from the DCA’s et the other accounts and paid the OC’s £1pcm. They are the ones that I’ve now stopped.

No one else has contacted me.

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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sar? to a dca that's a new one...

 

pers i'd simply ignore the lot and not even tell them you've moved

objectively a CCJ wont harm you anyway

but

it would be a bugger to get rid of if they did get a backdoor one

whereas if they are TOLD where you are then at least you'd get the claimforms [iF IF IF] and it can be buffed away.

 

theres no set rule as to what/if a dca that OWNS a debt will do

 

though sometimes if you move and don't tell them then you start to get massive discount letter a couple of months after moving [once you credit file catches up etc]

that SOMETIMES a pointer to them phishing to see if you will reply

if you don't then they go for the backdoor CCJ

 

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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Share on other sites

I got the discount letter re the santander bank from wetcloths. Ignored that.

 

I really really don't want a ccj,

so I may just reinstate the £1 each month,

though I was hoping that I could get to the point, at 71, where the debts are statute barred!

 

Seems that is not possible now.

H

 

IF IF IF. I'm not sure I understand!

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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as Ive said before if wetcloths client is satans bank

an OC does NOT do court.

but if the debt is sOLD ON then the buyer might.

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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I clearly need to go through each of the files to see who I need to tell then. Fortunately I have all the detail for each.

I did an SAR to abbey & got a huge ream of paper!

I think wetcloths got the detail cos moorcroft recognised I stopped the payment to Santander because moorcroft failed an SAR

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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