Jump to content


  • Tweets

  • Posts

    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

TSB overdraft - Credit default - wescot chasing


vassagojay
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2812 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Back in December 2015 I received a letter from a credit agency (Wescot)

stating that they were chasing a TSB debt of £4762.

This came as a big surprise to me as I stopped using my TSB account about 6 years ago.

 

I moved all my payments in/direct debits/ etc to a joint bank account (I did not close the account),

so have not knowingly used the bank account since.

 

 

I then moved house, but rather stupidly did not close the account.

My only thoughts are that maybe I missed a direct debit,

or used an online account that that was linked to that bank account!!

 

I asked for statements to show how this debt had accrued, but as of yet, I've not received anything.

I contacted them again on Tuesday and was told that they are chasing them again.

Its really frustrating that over 3 months later I'm still none the wiser.

 

Whilst waiting for the statements, I got another letter from Wescot

stating that TSB are offering me a significant discount to settle the account!! is this normal?

 

If they prove I had mistakenly used the account, then I'm willing to back all monies owed,

but would be looking at getting some/most of the interest payments taken off.

 

The reason I say this is that surely TSB, when doing their annual review of accounts/overdrafts,

would have realised that the account was not in use.

 

The reason it has taken so long for them to chase me is that I had a £4.5k overdraft,

which they have let run the course until I went over it.

 

When this first came about,

I checked my credit score and it was 999.

Then a few weeks ago, they put a default on my account.

Bye bye perfect credit score.

 

I have asked them to remove this whilst the debt is in dispute, but have yet to hear anything from them.

 

They are saying that they sent a chaser letter on 12/10/15,

a final demand letter on the 12/11/2015

and a closure letter on 9th December.

 

 

Due to me moving address 6 years earlier, I did not get these.

 

Whilst I feel rather stupid for letting this happen, can anyone recommend a good course of action?

 

Thanks, Jason

Link to post
Share on other sites

Hello and Welcome,

 

I've moved this thread to the Debt Collectors Forum, sending a Subject Access Request to TSB would let you know the score regarding charges and the last time any payment was made towards this account.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Can you provide a precise date that you last deposited/serviced the account vassagojay ?

 

I take it you never informed TSB of change of address ? Yet Wetcloths have found you ?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

TSB are saying that the account was last used in Feb 2011.

 

 

I didn't inform TSB of the change of address as it had completely slipped my mind, but I still had the same phone number.

Looking at the dates, from TSB closing the account to Wescot finding my new address, was about 2 weeks.

Yet 3 months down the line, I'm none the wiser !!

Link to post
Share on other sites

So not statute barred until next Feb (2017)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Unfortunately not !

 

 

I've not acknowledged that the debt is mine yet, purely because I really do not have any idea of where it has come from.

 

 

The fact that they are offering me discounted rates before they've even provided me with proof of the debt, should put in in good stead for a reduced payment if they can show me how it has accrued.

 

 

I just feel so stupid that I may or may not have let this happen!! I should have just closed the account down.

Having the worry of having to pay £4.7k had given me many a sleepless night over the last 3 months.

Link to post
Share on other sites

Ignore Wetcloths ...you need to stretch this out for another 10/11 months:-)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 3 months later...

Hi,

 

 

TSB finally got around to sending me statements to show how the debt had occurred (only took 6 months). It seems that I had not changed the details on my paypal account and for about 18 months all my purchases came out of my old account!! I've then basically been hit with 6 or 7 years of charges, up until it hit my original overdraft limit!!!

Is there anything I can do ? I feel rather stupid for letting it happen, but also seem quite aggrieved that TSB let this run for 6/7 years without making too much of an attempt to contact me.

 

 

They have removed the default from my credit file though (back to 999)! well for the time being.

 

 

I'm not in the position to pay this back, so what are my options? I've never had any credit problems in the past, so I'm pretty clueless.

Link to post
Share on other sites

Agree and set up a payment plan with TSB..ignore Wetcloths

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...