I did speak to them however they would not budge, oh well....

Hmm.... the letter from wurst crudit is standard template job. To me I feel this has all the prescribed terms however this is not definite. Can someone who knows pass comment please?

Oh dear... for them! You can choose to either contact them and let them know they have not supplied a fully executed agreement or you can just hang back and watch their next move...

Much better. I would say that the page on its own does not contain the prescribed terms applicable to a running credit agreement. Is that all they sent?

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Jesus, will be interesting to see this!

This is not a challenge but a genuine question - how do we know they are avid readers?

Can you please take a photo of the application form and post it on here please.

You are quite correct, application forms can double as consumer credit agreements but they must state that consumer credit agreement regulations. Your application form does not contain the prescribed terms and is nothing more than proof that you completed an application form....

Bet is was LCS... They are just part of Wurst Credit so dont get phased. Can you provide some info on when the loan was taken, was it secured etc etc?

Does that really say 1985?

BB, Hi Welcome to CAG... Its best that you start your own thread so you can get more focused help on your questions!! Cheers...

Really? Can you point me to the legislation that changed please?

Its your call where you write to, my letters came from Hull, every reply went to Saltcoats and in every instance I got a reply within 3 working days (with Hull on the envelope) so everything was working fine

It would be good to see if they have a deed of assignment, I would guess not tho - it would seem that Wescot are acting on behalf of Barclays

Indeed, I went through this cycle with them, may be worth a read - also a good letter you may wish to use

Good move, be sure to let them know that the law states they must provide the evidence NOT you, refer then to your previous letter which asked them for proof. Also let them know that all communication must be in writing for audit....

Whilst it may not be a head office address it is indeed a correct address that I have used with all my correspondance with Wescot... I have always had replies within 3 working days If it's not broken

You can choose to do two things: Ignore, its their problem not yours... Put together a response quoting the two guidelines that I posted above and explain to them why you are lawfully declining Your call

I would also like to point out that the Office of Fair Trading: Debt collection guidance (July 2003), Sec. 2.8, Subsection 'a' clearly states a deceptive and/or unfair practice as: "sending demands for payment to an individual when it is uncertain that they are the debtor in question, for example, threatening debt recovery action to 'the occupier' or sending a payment demand to all people sharing the same name/date of birth as a debtor in the hope that contact with the correct debtor will be made" Oh dear, another breach right?

NO! Dont give them any information.... The Office of Fair Trading: Debt collection guidance (July 2003), Sec. 2.8, Subsection 'j' clearly states a deceptive and/or unfair practice as: "requiring an individual to supply information to prove they are not the debtor in question, for example, driving licences, passports, full name, date of birth, signatures" They have contacted you and they must have had evidence right? Wrong.... The law is on your side, they must prove you are the alleged debtor and trying to get more information out of you to confirm this ONLY goes to prove they are unsure Its a clear breach of OFT guidelines....

It means nothing. They have 12 + 2 days to produce the CCA or they will be in default and the account will become unenforceable (you can choose to stop paying if you like) An additional 30 days and they have committed a criminal offence...

Wescot Credit Services Ltd Kyleshill House 1 Glencairn Street Saltcoats KA21 5JT

Yes, just wait! I'm in the same boat where 1st have stated an alleged payment in response to my statute barred letter. I also used some of SP's letter (thx SP) Am interested in their response....

Haha... Do we put this thread down as 'Won' then?