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PriorityOne last won the day on December 25 2011

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  1. Hi Curly, I'm no longer active on CAG but to answer your question..... I haven't heard from Westcot (or anyone else) in months......
  2. Ignore it..... they seem to be trying to wear you down. When the phone calls come, just place the handset down somwhere and let it cost them to listen to fresh air. Have you had any more in writing?
  3. Send the CCA request off and ignore the form that Freds. have sent you; they have no right to this information. Send the CCA by rec. delivery, use a postal order for the £1 fee (not a cheque) and just initial the request or do a block caps. "signature.
  4. ... and that, DX.... is the crux of the issue between us. DCAs purchase these debts when creditors write them off for tax advantages..... and where that's the case, I would indeed urge people not to pay and to challenge docs. If that DCA then decides to issue court papers, checking credit files won't make a jot of difference.... Isn't it Westcot that's part-owned by Experian?.... I know one of them is or would that be another "old wives's tale"? People need to know what they're getting into, that's all.
  5. We have a big difference of opinion Don..... it's entirely up to you how you wish to proceed. Good luck in whatever you decide.
  6. Yep..... same here DX.... I think my days are probably numbered on here now though. I've been on these forums for a very long time and am completely bemused by some of the advice offered by certain "orange" people these days. Telling people to constantly check their credit files protects no-one from legal action and it seems irresponsible to shovel people towards doing this and poo-pooing the risks involved.
  7. Got your blinkers on again DX, I see.... I'd love to know what your day job is....
  8. My God.... it's changed on here! I cannot believe what you're spouting as fact.... Sad times....
  9. I have absolutely no reason to come on here and spout lies DX..... you are funny! Previous addresses are not necessarily linked until a person delivers said information to the CRAs as part of a pointless quest..... I cannot believe you're even trying to dispute that, to be honest.... but hey ho....
  10. Call yourself by the name they have on their records..... and best to initial with a pen, yes.
  11. Yes, it absolutely does, I'm afraid..... through the information that you kindly deliver up on a plate to the CRAs in the first place. It has nothing to do with "searches", as such. I speak from experience on that one..... At least one of them had/has very incestuous connections to a DCA as well....
  12. Send a CCA request to whoever is currently chasing you for payment..... anything else is just piddling around. Enclose a postal order for the £1 fee, do not sign; just initial it.... and send by rec. delivery. Keep the receipt. Let us know what they send back (if anything).
  13. Big deal Dx (and Brig).... It won't protect you from anything and in many cases, alerts DCAs to a person's whereabouts..... but hey ho.... keep promoting it if you must....
  14. Sounds like Cap. 1 have just got fed up collecting token payments and sold it, that's all. It happens. Send a CCA request to Freds. by rec. delivery and include a PO for the £1 fee. Do not sign it; just initial it..... and see how they respond. Keep off the phone as well. Checking credit files is a waste of time. Oh... and don't worry about CAB. Handle things yourself from now on. That way you'll know where you stand at all times.
  15. Don't bother with the credit report.... it won't protect you from anything and what do you expect to do with it anyway? Read it and then what? As you can tell, I'm not a fan of credit reports..... think they're a waste of energy unless you're checking for a double default or some other underhand trick. Don't assume they are cooking up anything. They will need to respond to your complaint and because it's in writing, they'll need to respond with care, that's all. Just wait it out.
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