Thanks for reply. There is nothing showing on my credit report. The original debt goes back over 10 years, however a nominal payment was agreed with westcot and paid by standing order and that has continued.. I have had no communication from westcot for 10years maybe because i have moved a couple of times. Then out of the blue westcot are on the phone and writing. I decided that if i was going to get hassle i would fight back and found this site. The debt still appears to still be with the credit card company as they refer to" their client". However non of the references agree with the standing order references i have been paying. That was one of the reasons i sent the SAR so i could see if payments had been made to the account. A bit complicated i know but time to fight back i think so have cancelled standing order, and as they have failed to produce CCA will put account in dispute

Thanks for your replies. I will send the account in dispute letter. With regard to the SAR i hoped to find out the status of the account i.e. have Westcot bought the debt or are they collecting on behalf of the original creditor.

Hi all i made a CCA and SAR request to Westcot regarding an old credit card debt using template letters found on this site and enclosing correct fees. That was on the 26th July, received a reply 23rd August returning my postal order asking me to complete their own paperwork for SAR. There was no mention of the CCA request. Their SAR form requires me to provided evidence of my identity etc.Wondering what my next move should be?

Hi all a bit of advice needed. I have an old credit card debt going back 10 years with Westcott. I have been paying them £10 per month by standing order over that ime and have received no communication from them at my current address for over 8 years. All of a sudden they are on my case writing and telephoning. I decided to fight back and have sent a cca request and a subject access request with the appropriate fee. I guess what i want to know, having rebuilt my credit rating is, can they hurt me or is it just bluff, now that for some reason they have found me.