Hello All, I'm after some advice: I had a current account with the Halifax which got into a state of disrepair around 2 years ago with an amount in it of £-2566.92 against a £2500 overdraft. It was a "spare" account back in the halcyon days. I wasn't paying into it, partly because I was in hospital having a heart bypass - partly stupidity: so they shut me down. I am currently separating and living in a different house from my wife too - she has the run of the joint account - also with the Halifax. Wescot finance have written to me 3 times now - firstly (6/6) to establish that I am living here, secondly (10/6) to give me the bill asking me to get in touch with them and pay it, thirdly (20/6) with a final notice to pay up before 4/7; I have ignored all of them as they are raised on behalf of HBOS and have no legal authority; as I understand from some information kindly supplied by these forums. Today, a letter from Nelson Guest and Partners Solicitors dated 30/6 arrived offering to halve the bill if paid within 10 days of the date of the letter - otherwise further recovery action will be taken. So my first question is should I pay the bill or will they arbitrarily reduce it further? Or what are their tactics likely to be now..... I'd quite like the answer to be "ignore it" - I have banked with the Halifax for 15 years without a hitch - I should imagine that I've more than paid my dues there....so it's not going to weigh too heavily on my conscience. My second question is could there be any repercussion on my joint account? I think the answer here is no as I am not completely responsible for it.... Thankyou for reading this far - and now that you have - what do you think ? Kind regards - Andy

Hello all, I am struggling to work out through Google who the current managing director is of the most beloved CCA – Wescot Credit Services Ltd. (WCS). I left HBOS with an o/d of £600 but after they charged me multiple times for going overdrawn when I didn't and then refused to correspond with me about it (either in person at the bank or in writing) I just gave up and things spiralled out of control with the account until HBOS closed it and passed the debt to WCS. The debt reached about £1200 when it was passed to WCS and after many arguments about not owing that much to HBOS and a few years ( I was explaining on the phone about accepting £600 as was my original o/d that was never cleared but if they didn't take me to court soon over the rest that I would start proceedings myself against HBOS/WCS. The bloke on the phone said they would probably accept a reduced figure that would be close to the £600£700 range and I said I would look at it when it came through in writing in order to give me a few days grace to work out if I could afford it - the deal being that I would have to pay the agreed sum within 3 months of me accepting it, the debt would be marked as 'satisfied' (though not paid in full) and this mark would remain for 6 years. The letter came through very soon (19/04/12, dated the 17th) and it is from their solicitors – Nelson Guest & Partners Solicitors (NG&PS), Kent – I believe this to be a firm of solicitors owned or run by Wescot. The amount on the letter states £1257.68 as the total owed and a 50% agreement of £628.84 being acceptable if I call Wescot. This I tried to do on the 20th but their phone operator kept cutting off, I find this happens a lot on Friday afternoon with companies like this. I spoke to a colleague of that operator and was told no agreement had been set up which was to my advantage as I called back on the 23rd and set up the agreement and got the standing order details set up through my bank. About a week later I called back and asked for the agreement to be confirmed to me in writing and the operator at that time quoted £700 as the amount agreed which I disputed immediately and we both agreed the original £628.84 agreement. The letter finally came through, this time from WCS, not their solicitors (dated 10th May but received 15th) and the numbers do not match up to any previous letter. The full amount owed has gone down from £1257.68 to 1209.28 but the agreed repayment amount has gone up to £700 in their letter and they know that I can not achieve this nor was this the agreement. Furthermore the letter does not state a commencing date of the agreement or an end date by which I have to pay it by. I am now writing to WCS and am copying in the Solicitor’s as well as it was their letter that quoted £628.84 and I would like to also copy in their Head of Compliance, Charlotte Allen as surely this is not compliant to any code of conduct or law but I would like to address the main letter to the managing director(s). Is Mr Jonathan Andrew Graham or Mr Paul Jenkins the current MD, or is it someone else? Would the MD be the MD for the whole company or would Hull and Scotland use different MD’s. I am planning on writing to Hull as it is this office that wrote to me but I am also planning on CC’ing Saltcoats, Ayrshire as this is their registered address according to both their letter and their website. All-in-all I am planning on sending the letter to: 1.) WCS Hull: correspondence address; 2.) WCS Hull: Head of Compliance; 3.) WCS Ayrshire: Registered address; 4.) NG&PS: their solicitors. Please can you let me know if this is too much and also help with the names of the MD’s as after reading much about WCS on the net I am worried that no matter what I pay them and how quickly, they are going to try to sting me for the full £1257.68. Sorry to have given so much detail but I do not want to leave you without info you may need ANY help will be appreciated, thank you.

Hi, i'm looking for some advice I have a £5k debt with MBNA(although the letter from NG now says client Bank of America) which has been running for a while did have a p/plan in place with mbna missed a couple of payments and my account was passed onto AIC who harrased me for a while about 18months ago then all went quiet for a while. Then about a month ago I started getting calls and letters from Westcot and then this morning a letter from Nelson Guest Solicitors offering a reduction if i ring Westcot or they will considor a realistic payment plan and i must reply within 10 days. Should I make contact with Wescot, I cant afford a reduced amount but possibly could do a payment plan depending on what realistic means (realistic to them or me). I havnt sent a cca yet so would this be a starting point Many thanks c_a_s