Hi, I have a card debt currently with wescot. The card was an RBS gold card which was opened in I think 1994. It has been with wescot for about 18 months. I am paying back at £150 per month. (debt now stands at £5589.67) Is the following course of action ok, request from RBS 6 years transactions charges with an SAR, and request from wescot true signed copy of agreement under cca. Is this likely to result in them attempting to take out a ccj against me? Can they do so without the agreement? Also wescot is not shown on the data protection act website as being registered as a data processor, are they linked to RBS and if not how can they have information relating to me without my permission? Am I admitting the debt is valid if I request to see charges? If in the 12 days plus 1 month no true signed copy is produced do I then have a case for stopping repayment? Can I still pursue refund of charges and/or monies paid to wescot? I am extremely doubtful wescot can provide a copy of the agreement. lots of questions I know but any advice/help appreciated. thank you.

Hi, I had an RBS card and the balance was sent to Wescot Credit Services, I have been paying off the debt at a level of £150 per month for about 18 months. My questions are 1. Should I be receiving a statement from them showing the debt reducing? 2. Is it too late to try and recover the charges which were levied by RBS? 3. Is there a danger if I do try this that they will take out a CCJ against me as opposed to them leaving me alone as long as I pay the £150 per mnth. thanks