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  1. Lowell's Solicitors are chasing an old debt (6yrs old) - as mentioned in post #1 old catalogue debt for JDWilliams & Oxendales Never seen a letter like this from them before Tactics or can they go further with this? Thanks LowellSolicitors.pdf
  2. I'd seen recently on my Equifax file that an old BT debt was being recorded by Lowell This was chased by and already paid to Credit Resolve in 2017 I emailed Lowell last week along with proof of payment asking them to remove the entry They've said: Good Morning, Thank you for your email, I have noted your comments and would be happy to assist you. Account Number Original Client Current Balance xxxxxxxxxx BT PLC
  3. Hi, after CCA'ing my creditors as per advice here in an earlier thread back in October one of my main DCA's (Wescot has responded - took them a while!) They are saying they have sent me my original agreement as requested and have now passed the debt back to Lowell who they were collecting on behalf of? is the CCA a valid copy? The original creditor was HSPF (home shopping personal finance) Not sure if i should get back in touch with Lowell and start arranging payments again or not Any help appreciated as always, i have uploaded copy of what Wescot have sent me.. n
  4. Hi there, I've sifted through a few threads trying to get a jist of what to do. Quite a bit of info, I'm hoping someone can help me with my issues Done a credit report and I've currently 5 defaulted accounts and 1 arrangement NatWest credit card - defaulted balance £984 with a current balance of £785. This debt is paid DD £20p/m directly to Natwest, I've ignored ALL letters from Wescot who manage my account on behalf of NatWest. NW have just written to me this week informing that my account has been assigned to Cabot Financial, to cease my payments to
  5. Bank of Scotland wrote to me saying they may sell debt and the new holder of debt may take me to court. Today i get letter from BOS stating the debt has been transferred to Wescot. Debt in question is close to 10k and was defaulted 4 months, they failed to respond to my token payment. I already get hounded by moorcroft for a tesco debt how do Wescot behave?
  6. I have a credit card debt being collected by wescot , I stopped all contact with them for numerous reasons and now they are sending letters to my mother in-laws house stating they know I live there , I don't and never have , surely this against the law
  7. Got a problem with MINT credit card (RBS). I have had the card for about 7 or 8 years now. When I first applied for it on the internet and was approved, I never used it very much. My husband also had a card as a second card holder. He ran into serious credit card debt problems and in a desperate attempt before finally going under, he transferred just under £6000.- onto this MINT card as a balance transfer. He then went bankrupt and had his debts basically written off. I am however now landed with £6000 on this MINT card for which I am liable I have been told.
  8. Hi, Looking for some advice if possible My partner and i recently went through the process of trying to get a mortgage. After providing all our financial details to the Mortgage advisor his view was we would only qualify for a Mortgage with a high risk lender such as Kensington which I will not entertain. Reasons are: - My partner is in a debt management plan with Step Change, any reputable lender will be put off by this. - All but one of the debts in the plan are over 6 years old so do not show on her credit file - The only debt that is less than 6 years happens to be th
  9. Hi All, Following on from another thread I have on the forum, I have requested the CCA for an AA loan I took out in 2009. Since 2013 when I got into some financial difficulties I have had the interest frozen and paying less than the monthly agreed amount, obviously this is reflected on my credit score. This is now with Wescot who are still collecting. I was initially looking at paying off my remaining debts, but advised to get the CCA for each before doing anything else. So seeking advice of what to do with this one now please. Hopefully it is readable in the format attac
  10. I opened a current account with Halifax in June 2015 with a £250 overdraft facility which I used on a regular basis but cleared every month. In August 2016 I ran into financial difficulties due to an increase in overdraft fees, up to £100 per month. i wrote and explained I was suffering hardship and Halifax cancelled the fees for that month. By this time I was using payday loans to keep my head above water. I struggled along until January 2017 when I again claimed hardship and more charges were cancelled. However, the charges soon crept up to £80 or £90 per month as I w
  11. I have an ongoing issue with Wescot who are chasing an SB debt on behalf of Arrow Global. Wescot have been chasing for the last 8 months even though the alleged debt has been SB for some time. I have sent all the relevant letters even one refuting the claim that I had paid £1 towards the debt to a different dca around 4 years ago apparently restarting the clock. This I have proved to be a" prove it" letter request postal order although they will not acknowledge the fact. I sent a strongly worded letter telling them to leave me alone and yet again they are at me. Wescot
  12. Good evening to everyone, i am new on this forum and i am pretty frightened. I received today 2 letters that are 100% the same from Wescot. They are after the Address Verification and in the same time saying if i am the person above to call asap the number. If i do not answer by 30/11/2017 they will assume the contact information they hold about me are correct. Now to tell you the story. It started in 2014 when i moved to UK for study. I rented a house with 3 other people. The electricity bill was supposed to come every 3 months. When it came, it cam
  13. Hi I’m hoping someone can point me (and my father) in the right direction. This is the back story. I helped my father resolve visa problems around 5 years ago whereby his APR was increased and monthly payment amounts raised – he was paying the interest only per month on his cards with one company requesting nearly 35% APR. He has successfully (with the help of forum users) paid off all but one company. We managed to negotiate “full and final” payments with all but one of them. I believe one company tried to go with a Debt Collection Agency but we wrote to them
  14. WAIT WHAT?! 90 Million in Cash...
  15. Hi all, My dad has received a letter from Wescot demanding payment for £313. Apparently they are working on behalf of Natwest retail finance. My dad had an account with Natwest which they themselves closed approx 4 years ago. As far as he is aware all monies were paid and account was closed. After 4 years we receive a letter demanding £313? There has been no previous correspondence regarding this alleged debt. We have been to Natwest but they wont help us. I emailed Wescot asking for more information regarding this alleged debt. They replied asking for my dads DOB
  16. ’ll try and keep this as brief as possible but I’ll need to explain a bit of background. When I was in university I rented a room in a house with three other students that I didn’t know between July 2012 to June 2013. Npower supplied the electricity and gas. I gave the first meter reading in July and the first bill came in October and we each paid a fourth to the landlord and I thought this arrangement would continue. However, towards June 2013 I contacted the landlord as we hadn’t got any more bills and queried what was going on he said he’d put the bills solely in my name. I was
  17. Hi thanks for the advice. The other is from Barclaycard signed in 2000 . I have the credit agreement with a signature but this time there are no terms and conditions enclosed with the agreement nor on the actual application form . I do once again have correspondence from Barclays and Link regarding the sale of the debt. I have attempted with both original lenders and with Link to settle the debts on behalf of my partner as she is stressed with the situation Link require around 60% of the outstanding sums and i do not have the money available to do that and suppor
  18. Hi I have 2 credit card debts with RBS that are more than 6 years in default and so have fallen off my credit record. They are not statute barred as I make monthly payments of £15 each. I have now received letters from Wescot saying that - 'the account has been transferred to us and your account is now being directly managed by us' It lists the arrangement I had with RBS and says 'this is the arrangement we will be managing on their behalf'. I have not been actively chased for this debt for years, I just kept making the low payments. A couple of times in the last 6 years
  19. I had a credit card account with Lloyds, who have now sold my debt to Wescot, this is for around £3k. I was paying Lloyds £1 a month, but for some reason they have sold my debt to Wescot. I called them today to set up a £1 per month plan and they have asked me to contact Stepchange to get an income and expenditure form. I also had a credit card account with Virginmoney, again for around £3k. I rang them today to ask why are they still charging me interest, and they advised me as its been over 180 days in arrears they have sold my debt to Arrow Global. I was al
  20. Can anyone advise me on a letter I received from Wescot? It says they have confirmed I am a resident at my address & have conducted checks etc (electoral roll I assume) They are acting on behalf of M&S cc, the letter goes on to say that 'they will continue to undertake activity including phone calls & letters to received the amount owing' I have not contacted them, they harass you over the phone and through sickness I cannot stand the stress. What can they do? should I ask for proof they have the debt? it has been passed to them th
  21. had a repayment plan in place with Wescot for a few years in respect of my RBS credit card debt. I recently started receiving various settlement offers and requests for account reviews so I decided to send off a CCA request to the DCA enclosing £1 cheque on 30th April 2015. Today (16th May 2015) I have recieved a response letter from Wescot advising that their client (RBS) has requested that I write to them direct for my CCA request and have returned the cheque ? Should the DCA have forwarded accordingly to their client ? Are they in breach of my request as they should hav
  22. I am puzzled by the actions of my bank, (Lloyds) as I had been unable to make payments on my credit card for some 5 months due to having no work. I had begun making repayments to what was by now a suspended account have now received a letter from Wescot saying they have been instructed "to make contact ...to discuss the outstanding balance and the repayment options". Wescot's website says they no longer 'buy' outstanding debts , so if my repayments continue going to Lloyds, why are they even involved ? I do not wish to discuss my financial details with them, and certai
  23. Bran Carter sent me an account review letter a couple of days ago advising me to contact them by phone to discuss my "proposed repayment plan"
  24. Hi, I'm currently in default to egg for a loan after falling behind with payments after losing my job. they passed it onto capquest debt recovery who are useless. I set up a payment plan for £75 monthly, after making 6 payments by SO from bank capquest wrote and said they were taking further action due to non-payment. I was advised to cancel the payments and send off a copy of my bank statements showing the payments, which I did. They wrote acknowledging these and set up a new SO for £75 again. A payment left my account on 4 May but last week they sent
  25. Hello, I received a letter from Wescot Credit Services last week. They want me to verify I am the person named in the letter and live at this address. They say they will presume I am at this address, if they don't get a response by the 25/02/2015. I haven't responded. I suspect they are chasing me for an outstanding bill to British Gas, around £200. If I am right that is, then I imagine they will add some crazy charges on top. At the time, last year in the Spring when I last spoke with BG, I fell out with them. I was having money problems, and mental health issues
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