Just to let you know i myself have had TWO of the same letters offering such discounts on a supposeingly owed debt, to which i have not replyed to, i have now sent a sar to get all the information for this debt, which there 1st contacted me about back in 2006, then left it for 7 months after i told them it was in dispute, thought all had been sorted, then these letters arrived, dont fall into the trap, the offer by looks of it,. is been offered to most people on there books. just thought i'd let you know. take care and good luck.

Think some1 might be threading just to be funny, just read this thread in another section on this site, and one figure you state £20.000 the next £23.500 sure if i carry on searching i might find another thread about the same subject, with another dream like figure, thought this site was to assist each other to get our rights correct and aid in difficult cirmcumstances, okay we all like a laugh, and it got peeps hopes up, but enough is enough, joke rumbled................. no bank would state is isnt there problem, it would instantly freeze any money placed into the account you do not state is yours, and seek to address where it came from, even involving the police due to money laundering, the banks aren't total fools and dont always get things wrong, in this instance the money would have been freezed instantly end off. Best you can come to saying to ur friends that you had that much in ur account, is get a cash point mini statement and keep it as a reminder, when you thought you might have been rich, we can all dream.........

Good thread indeed, have passed the info to some of my work mates. which i'm sure there will make great use of, did get one Q from the yard lad, he wants to know if this way will work with any ccj and not just ones placed through the banks, is say gas , water or phone. he has paid the said figure and has a court satisfaction notice, but he wants to contact the company that got the ccj to ask if there will remove it, or does it have to go through the courts, as this will save the 60.00 fee the court requests for such actions.

Upon this occassion i VERY much dought you do not have a right to a claim from this company, reading your thread i dont see where you think you deserve compansation for them just trying to obtain a debt you owed, letters are computer genarated and have now stopped, it took time but got there in the end. Theres many people that have faced and continue to face many mis-haps in life, in one form or another, if every1 expected compo just for getting a couple of letters in the post where would this country be in 5 years time. you might want to look at some threads on this site, and then ask yourself do you really deserve compo for something so little when others are in much worse, due to goings ons in there life, be thankfull it is now sorted, others can and do wait many months before things are sorted but dont expect payment for such.

Hello all, just another up-date, i recieved the letter/notice of Satisfaction today from the court, least that matter has now been addressed and sorted, bringing my credit report back to better than good. Along with the court documentation, TWO letters from Westcot arrived informing me that the same debt was still not paid, and balliffs were now in the process of visiting my home, how these people manage to continue sending such letters, when even the courts have sorted the matter within a month or so, yet Westcot are still at base one, let the balliffs knock i will have pleasure in telling them where to run skip and jump in not too many words. Thanks for all the replys and i hope to assist others in there westcot dealings etc. Remember everything in writing only and keeps copys just in case, i,m sure westcot will continue hounding me for this now settled debt but hey least my shredder will not starve eh, hehehehehehe

Already found this web site which i now use instead of any 0845 or 0870 etc etc SAYNOTO0870.COM - Non-Geographical Alternative Telephone Numbers NO more 0870 and 0845 etc etc just put in the above and another number or company name new number will come up for the SAME company

Hello. Driving the car might just make more damage? you state your far from ur place of residment, i'm sure if your a member of the RAC or AA even Greenflag, there will come out to you and your car, just ring them and explain that you heard noises when driving, so you have pulled up and wish there assistance, okay will take a hour for them to reach you, but worth it, no harm in them looking at things for you, if its too bad to drive, you will get a tow to the nearest garage in the area, or towed home dependant upon what cover you have, if you are not a member of any services, i'm sure that a garage cant be too far from where you are. my personnel advice is dont drive as might cause more damage hence more money to get repaired.

Hello. just sprung to mind that might be able to get some help on here, have been active user for some time now, but know little if anything about this matter, any suggestions or aid appricated. thank you. Friend of mine has contract with virgin mobile, she pays £25.00 per month, and gets 300 mins and 300 texts per month with one month roll over. Now since she took the contract, she has hardly used the hand set or the mins/texts but has continued to pay the figure every month, after she talked to me about this, i worked out that in the 6 months she has had the phone/contract, she has used less than 50 texts and made no more than £5.00 in calls, amounting to about £10.00 but has indeed paid virgin £150.00 to date in monthly payments, since she has another 6 months to go, before she can finish the contract, at another £150.00 which means she would have paid £300.00 in total for the 12 month contract, but barely used £20.00 worth of texts and mins, now i have let her know, that sadly there seems little she might be able to do, but continue and finish the contract and treat it as a lesson learnt, although expensive, however thought i'd put her plea on here in case anyone knows of a way she can cancel the contract without paying anymore money, sadly she lost her part time job also, so £25.00 per month at this time is alot of money to her. hope someone might be able to aid her in this matter. cheers.

Hello just a up-date with respect the above matter, relating to the not so helpful Westcot. Awaiting the satisfactory notice from the courts to arrive, after they informed me that a notice of set aside had passed the deadline, so opted for a notice of satisfactory to be placed on my credit file and a copy to be sent to me, at a cost of £15.00 However the postman never fails to surprise me he brought another letter this morning, in respect of the excact same debt that Westcot were chasing, which has already been paid and proof obtained, yet there have intructed or sold the same debt to a group of Solicitors namely NELSON GUEST AND PARTNERS whom are now threating me again with court action unless the debt is paid within 7 days, i am really wanting to phone these people to give them whats what. hahahaha but thought its a 0870 number so wont bother, anyhow just thought id let you know how things are going with this matter. another letter for my shredder to eat, least that doesnt go hungery hahahaha

just to say i owed a wee debt which i totally forgot about, a judgment was entered upon it from the company then the company sold the debt to westcot. thankfully i paid the debt direct to the company it was 1st owed to, saving me the dca s fees. if u do owe a debt, contact the company owed, and pay them, dont go through the dca if at all possible, it will result in added fees.

Do carry on making payments to BT not westcot, for a £40 bill there invoiced me £200+ i wrote to the company that i owed the monies to, and there accepted the payment straight away, and no costs from Westcot either.

Ello its the weekend and going to pay the monies on monday, then drop the court a line of explanations of happenings, is there anything that i need to inform the courts, or will there amend my credit file once their get my letter, i;ve heard that a fee might be payable for removel or putting a satisified note on my file, do i have to pay this since SSW went to court without my knowing for a sum way higher than owed, i'm going to write all this information to the court, but incase i miss anything, let me know thank you. and will the courts take the sum showing owed off the file, as what i am now paying is alot less than SSW appiled for at the court hearing, of which there are now not charging me. the bill is now just for the water etc used during the period i was at the property. enjoy ur weekends

Horray got the revised bill from SSW less than £41.00 whippppeeeee no mention of the court costs etc, now i want to get this paid and the company out of my mind, however the figure on the credit file now is more than what is owed, if i pay this above sum, this will still leave what is mentioned in my very 1st thread above, do i pay this and then write to the courts to get the rest removed and send them a copy of SSW revised bill and payment slip, to show i have now paid, or will i need to request a court date to get the matter sorted that way? still a huge difference from what they 1st wanted out of me, so am happy, just the court figure on the file now that is worrying. any help b4 i proceed with payment to SSW in the next day or so. MANY THAX

Thax guys, will await the amended bill, then write to the courts b4 paying SSW to explain everything in writing, hopefully there will remove the court costs emposed at least eh. up date once know more.

Had letter from SSW today, they have amended the amount owed which should arrive in the comming days, dont know the figure, but least they now lowered to my estimate me hopes. Now for the courts, SSW would have put into the courts a judgment for the in-correct amount, do i contact the court with SSW new figure, or will i still have to pay the judgment fees already imposed onto me. I know i will now pay for the water used for the period stated, but the judgment costs would be too high now the bill has been lowered. Do the courts award SSW there bill money plus court fees or are there seperate to the bill owed? i dont want to pay SSW then have to pay the courts two lots of money. ie the bill money then the judment fee. Not heard anything from westcot so i might take it that SSW have contacted them saying matter resolved. since i am now paying them direct. shame matter took so long to get resolved, as might have had chance to get judment re-moved if sorted in time, but guess 30 day limit now passed even though me acted straight away on finding out, but with SSW wanting info etc this took month to complete, oh well least bill amount much lower than there wanted, even though me didnt owe there figure in 1st place, a ny1 give me hope/help on how i approach the courts that be great.

Following another letter from SSW they have excepted that the bill is too high. and want me to send proof of when i terminated the dwelling the bill relates to, which i put into the post today, 1st class recorded. That will take a HUGE chunk out of the bill, my calulations are that i now owe less than 60 quids:-) . plus the judgment costs, do have a question, since SSW took this matter through the courts, for a figure way beyond the debt owed, and without my knowing, shouldnt the court now dismiss the judgment, since SSW claimed the wrong amount, therefore the charges by the court are also in correct. Not heard anything from Westcot, guess there will try to get more from me in the future, as would guess that SSW won't contact them to let them know, its settled, when it is later in wk or so. Really want to re contact the courts to inform them that SSW made wrong figure in j/ment, but would it really make any differance. The 30 day time limit to get it removed has now gone, due to letter exchangement between SSW and myself to get it sorted.

Cheeky SSW sent me a bill from march 2004 to march 2007 today for the address this thread relates to, cant beleive the cheek of them, this going to take ages to sort out now, as dont want to ring and shout, as want eveything in writing, so going to be some wks of exchangement of letters. in the mean time i,m going to write to the courts and inform them what SSW has done, after working things out, i estimate that i owe less than £50 not the sum they want plus the huge bill they sent me that i got today, i'm livid with all this now. how can they bill me for three years of water and sewage when i live else where now and pay another company for these rates etc. will keep thread up dated, all help appricated.

Thanks i'll get onto that right away, letter to the court, have contacted SSW and there want the full amount, but writing to them for breakdown of figure there seek.

Well well the postie brought me two letters 2day one from SSW whom i wrote to, and yep you guessed westcot, SSW have written and confirmed that i now owe £202.63 for useage of water/etc for the time i was in the property, less than 3 months, and £218.19 for the judgement made. I am now in the process of writing to SSW again, to seek a breakdown of the charges that there are charging me for, as the sum for 3 months is quite high, as for the judgement fee, wow guess thats a whopper, not too sure where i stand on them charges any1 shout a few words of wise my way on that?? As for Westcot, there have just sent a standrard letter, asking for my last THREE addresses, erm why, non of there business really. since me in contact with the company i owe the monies to, i ,m not even replying to westcot. any advice on the judgemnt fee would be appricated. thanks w

Letter sent to SSW by recorded delivery. through track and trace there recieved letter on the 12th so hopefully get reply this week. hopefully get all done and sorted b4 the 30 days expires.

Hi thanks for the replys, have wrote and sent the letter to SSW informing them that i am willing to pay the amount owed, after sending the letter, i had a thought, very abnormal for me hehehehe say SSW accept the payment, will Westcot still chase for there amount since it has been passed to them?

SSW/ Westcot.. I want to pay but not Westcots huge figure??? Hello and hope some1 can assist me in this matter, i'm not a new joiner and have some thoughts as to my plan of tackling this matter, how-ever just would appricate some points before i get cracking. I was renting a flat back in 2004 from the council, to which i left after just 4 months of been there, as i spent more time at my partners than my own, so it was cost affective to live together. I contacted all the relavant companies, ie Gas,Water, and so forth. And paid what i thought was the 1st and final bills from the companies that sent them. Dec 18th 2006 i opted to do myself a credit check, and out the blue there is a county court judgement on my file, from SSW for the sum of £218.00 okay i thought, most likely missed that when i moved, no problem, i'll ring and pay it in a day or so. You could blow me down with a feather, the next day a letter arrived from Westcot Credit services, saying that i owed £520.82 to them as there now owned the debt, erm okay, after ringing the court, the court confirms the above figure, their letter states 2 and half times as much, I am fully willing and able to pay the figure that i owe SSW, £218.00 but i am not willing to pay Westcots sum of £520.82 I rang Westcot to inform them that i am willing to pay what i owed SSW, but not there figure, i got a letter back from them, saying the account was now under investigation, and there will suspend all collection untill the investigation is concluded.. however i have not heard anything since, which is now just under one month, i want to get this resolved now that 2007 is here, i just want to pay the SSW figure and get the judgement removed. Now do i write to Westcot and inform them that i am willing to pay the amount owed £218.00 and enclose payment, as i had no idea the sum was owed till i did myself a check, i rang the court whom issued the judgement, there informed me to contact the SSW to settle the debt and the judgement will be removed. Do Westcot have to accept the figure of £218.00 or will there continue to seek there sum of £520.82 Any advice regarding this matter would be appricated. Many thanks.

WOW sounds like a total botch job, firstly get your money back, thats more important at this time, you can go direct into any currys shop, speak to the manager, whom he should then ring his head office to get the payment confirmed, hence refund you at the same time, I dont know if the shop/company has a policy about missed appointments, where if there dont show, compansation is payable to the customer? you might have to read the small print on your order document!! I dont know if you will be able to claim anything else, as there did try deliver, just to the wrong address, but has the old saying goes, The customer is always right, it might be worth writing to the head office aswell, pointing out that you losted wages while waiting for the delivery, ( if you did that is ) also include what was said to you etc when you called each time, the least you might get, is a few complimentary discount coupons.

hehehehehe this most likly was due to the issue of best b4 date, the potatoes if not sold on that day, might have passed the sell by date, by the time the shop re-opened after the xmas holidays, i went round 3 supermarkets on xmas eve, and all 3 were selling stock off really cheap, to which i picked up some real bargains, 10p for a bag of spuds woohoo its like eating for near enough free. hope you enjoyed them.

Two GREAT new year gifts for you, 1st your expentancie of your new baby, wow best gift ever. hope all goes well for you and the child in the comming months, oh next xmas will be great in your house with the babys 1st time, also great news on gaining your money back from the bank. Have a grand or should that be 5 grand of a new year. gd luck for the comming year.