I got a letter from Nelson Guest too, sounds the same, i have replied saying i will not communicate with them whilst i am still awaiting my SAR request, amongst other things, maybe hold them off for a bit, but i think wescot are just trying their luck.

Thanks izzitme, I'll get the SAR off tomorow and see what it turns up.. I wonder if i should send anything else to wescot in the meantime, or just wait till the 30 days they've given are up..?

Thanks, i will watch DD and hope things turn out well, but thought i should get my own thread..

Hi, I saw a very similar post to mine but i need some slightly different advise please. I had a wescot letter saying i owed money from a lloyds overdraft of £1,300, now i'm pretty sure this would be from over six years (when i still had an account at a different address) and more worryingly i thought i had closed down the account and all was paid up, the reason i left lloyds was because i worked out they had charged me near enough £1,000 in charges over the years and i had another account i used instead, and never got round to asking for the charges back.... arg So i sent wescot the template CCA letter but also added the statute barred letter and ammended as appropriate to make one letter, i even signed in blue felt tip ink over a box with my repeated name in the backround.. good anti-fraud tip CAG! Since reading the forum it seems the CCA may not work that well for an overdraft? Now wescot have responded saying: 'we are not the creditor for this account but instructed on behalf of lloyds tsb. In the circumstances, we are returning your postal order which was made payable to wescot credit services as this needs to be made payable to lloyds tsb. You can either send your request to our client or resend it to us and we will then forward it to them' Are they allowed to fob me off like this or does it prove they can jog on as they don't own the debt and i should send another letter saying as such? I'm also guessing i should send a SAR to lloyds as i have no idea how this debt has been created, and havn't had access to the account for around six years, but advice would be very much appreciated on what to do next! thanks getting more mad -al

Yep very interesting, i'll have to have a look at that too. I'm also here becuase i too have had a loyds overdraft given to westcr*p, i should really start my own thread, but i sent a CCA template to westcr*p and they returned it saying: 'we are not the creditor for this account.....you can either send your request to our client or resend it to us and we will then forward it to them' I'm wondering if it's the overdraft thing why i got the response i did or they don't actualy own the debt?