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About Me


  1. Hello all, apologies if this is repeating other posters, but just needed some reassurance or additional advice: I was sc@mmed via an Ebay/Paypal seller. I sold a bike to a buyer, the payment was requested as bank transfer, however the buyer suggested using PayPal and all I needed to provide was my email for him/her to deposit the money to my PayPal account. The money was deposited, the bike collected (I didn't ask for a collection receipt as it wasn't a courier I had arranged). I removed the money from my PayPal account, and thought everything was good. Two days later, P
  2. Hi, I will try and explain the scenario that took place between my wife and PayPal as best I can. One morning, my wife was contacted via Facebook messenger by who she believed to be a colleague at her workplace. This was before Christmas and the colleague explained that her PayPal account had restrictions on it and asked if my wife could accept money into her PayPal account for items the colleague had sold to help with the cost of Christmas. Being the ever pleasing colleague she agreed. After the money appeared in my wife's PayPal account, she was instructed to then withdr
  3. Hi I have two ex Santander debts - £4k loan / £1400 cc which were in a Step Change DMP that ended in 2016. These debts are now being chased by Westcot. I received a letter for one of the debts on Saturday, and today Westcot have started calling me. I have not responded yet. I am aware of how aggressive Westcot are, Ive had previous dealings with them. The debts themselves are from around 2011. The letter from Westcot states they are looking for an 'affordable' payment plan. No mention of court has been stipulated yet. I really do not want to have to deal with Westcot again, as they ma
  4. Hi, I had a credit card from the Halifax which after I lost my job, I was paying £20 per month after discussing a lower payment. This then went to Blair Oliver Scott and I kept paying. After it went to Idem in May this year I stopped paying as I didn't think they had a right to collect. They hassled me by phone ringing every day sometimes twice a day and I ignored them, partly because I am deaf and couldn't hear my phone. now I have Westcot chasing me. Can you please give me some advice? Do I now have to pay Westcot? Are they likely to take me to court?
  5. Hello, I am a new user here, writing to get advice on a Paypal Dispute of £700 This is how it went to westcot DCA (timeline); 1. It starts with me sending an iPhone to someone via Paypal. 2. I take out the money (£700) in the bank after i receive it and remove bank/card from Paypal 3. after 2 weeks he claims on PayPal that nothing has been received. 3. i didn't track hold of parcel receipts, so dispute case is LOST. 4. Paypal A/C Negative balance £700, received email from PAYPAL to pay in the amount 5. Since i have removed bank and card from paypal, they
  6. Hi there all. I have a question regarding my account. I had a Virgin Money Account which I was paying off interest only for, for a significant time and one i had PPI on. I was paying minimum payment for some time which meant interest and charges only on it. My business failed earlier this year and I am only now coming out the other side with a salary again. The account has been sold to IDEM and noodle gives the following information. Idem Capital Securities £ 4,471 22/09/2014 Default Name nnnnn Address nnnnnnn Date of birth nnnnnnn Account type C
  7. Hello, its been a while since i've been here. Just looking for some advice. An old Halifax debt which was being handled by DrydensFairfax Solicitors and which I have been paying at £5 a month for ever, it seems, has been passed by them to Westcott. I just wanted to know if it is reasonable to send a CCA request to them before I change where I send the payment?
  8. Hi, I am looking for some advice, I received the attached letter from Westcot and/or Lloyds in regards to an outstanding debt of just under £1000.00 I have in the past had a Lloyds credit card (at least over 4 years ago) and do not possess the statements or the card anymore. I do not recall leaving any outstanding debt on the card. I also received letters a few months ago from Moorcroft chasing this debt which I ignored as I thought it was fraudulent. I have not received any contact from Lloyds in regards to this debt, would they not contact me first? I am concern
  9. Debt from June 2002 £8,500 sold by Barclays to Arrow Global. I have been dealing with Capquest until Nov 2015, and paying £5 per month, when I asked for a copy of my agreement and had reply from Capquest in Feb 2016, saying account on hold whilst they request the documentation from Arrow. I heard nothing more until last week when I had a letter from Wescot asking if I was the person they referred to and to contact them. I did nothing. Then a letter today from Arrow saying that Westcot is now managing my debt and asking me to contact Wescot. Odd thing is I hav
  10. My wife CCA'd the RBS regarding her credit card. They have sent back a copy of her application form (below) and a copy of a 7 page Credit Agreement. The copy of the credit agreement is unsigned (in fact there is nowhere on the agreement to sign) so I imagine if thats their best effort, the agreement is unenforcable. What do you think folks.
  11. Hi does anyone have any email contact details for he aqua credit card - i want to contact them about a debt I have with them and try and sort things out but they only supply a postal address or phone number on their site
  12. Hi, I was hoping for a little help and advice please.. .. In 2009 I took out a Business Loan from Barclays for a business debt of £20,000. I have an signed Agreement and have been paying £230 per month ever since. I have never missed a single payment. Today I received a letter from Barclays saying that the debt had been transferred to Westcot and to contact Westcot to make arrangements to continue payments but this time direct to Westcot. I rang Barclays to see if I'd ever missed a payment and why it was going to Westcot, the lady wa
  13. Hello all I have been having a problem with O2 I defaulted on a phone contract . They have now passed it to Westcot. The contract was one of the newer contracts which gives you a contract for the phone and a separate agreement fro airtime . I am not denying the debt and want to pay O2 but they keep referring me to westcot. from the library I sent them the cca request and the reply have come back which I have uploaded . I just want so advice what to do next. Thanks Brian
  14. Hello I'm hoping someone will be able to give me some advice. Last week I received 2 letters. The first was from BCW asking for me to verify my address and that they needed to communicate with me about a 'private matter'. I subsequently received a letter with a Barclays letter head stating that a debt (£1900) with them had been transferred to BCW and that I should now pay this in full. No breakdown of the debt was provided but an old current account number was quoted. I did hold an account with Barclays until 2004 when I switched to the Coop Bank. I
  15. Hi, I was self employed but my business now makes very little with just a few hundred a month coming in. 9 months ago my wife and I sold our house (which had a joint mortgage) and bought a cheaper house in her name. We used the profit to pay off some debts but I'm still left with about £30k debt on credit cards and an unsecured loan. (which I haven't paid for about 7 months) After my wife has paid the mortgage she's left with about £600 a month for the other bills eg community charge, utilities etc so there's not much, if anything , left to pay my debts off.
  16. Hi, This is my first post but I have been looking around on here recently as have been seeking some advice. I haven't been able to find a post similar enough to mine to get an answer so I'm going to tell you about my troubles in hope someone can steer me right! I took out a Barclays Career Development Loan back in 2007. The company I took it out to train with then soon went out of business - I'm sure some of you would've heard of them. 'Connectivity IT Training' based in Docklands, London. I telephoned Barclays after I'd found out to then be t
  17. Need some help on this one as I have done lots of searching and can not find a case that is similar to mine so would appreciate some guidance. Brief Summary: 29/04/2011 - I defaulted on a HSBC Current account overdraught with an outstanding balance of £1780.09 (which was mostly my own debt and not made up of charges/interest) 16/04/2012 - after being pursued for the debt for months (with no acknowledgement from myself) I was offered a reduced settlement figure of £1,068.05 (60% of original balance) from Westcot Credit Services LTD at which point I decided I had enough of burying
  18. Hey oop. Rusty ol' me passing through, helping someone and I'm pondering on best course of action (not helped by lack of docs from the OP). C/C debt passed from OC to DCA to another DCA, then returned to 1st DCA. Last contact was in 2009 or 10. Suddenly, N1 appeared, lodged by Drysden, of course. OP has no recollection of ever getting a default notice, assignment or anything like that. I've told him to acknowledge for now while I refresh my memory, but I am dithering on where to best handle it. I am thinking: - contact Arrows with CCA request. I am
  19. Hi Guys, sorry if I'm posting this in wrong forum! I have an old business loan with £15,000 outstanding. However, the business went bust a in Dec 2012 and was Dissolved. I sent Westcot who are attempting to collect for Hoist Portfolio Holdings who bought the debt from Lloyds. I sent them request for True Signed copy etc, they responded two months later with the wrong material. I replied saying that if they couldn't supply it they were in default and had no recourse, using standard letters quoting Consumer Credit Act etc. However, they have now written back saying
  20. I'm thinking Westcot have purchased a bulk load of debt from someone as yesterday I got a lovely text from them asking me to contact them urgently (ha yeah thats going to happen) then today I got a phonecall asking me to contact them urgently (see previous response), I would like to thank them for using phone numbers that displayed they are now on barred caller list. And I know that there is no debt on my credit file (last checked yesterday after text message) Also know that my last trouble with debt was Sky TV over 9 years ago, and last ever contact with Lo
  21. Hi i am hoping someone can help or at least point me in the right direction. Back in 2008-09 i went through a really difficult period, i was laid off work due to sickness and my relationship ended so with various bills an no income i found myself in a mess. I contacted all my debtors to arrange a payment plan but egg credit card weren't interested in letting me pay what i could afford, i managed to pay token amounts but then i couldn't keep up with this, they defaulted the account, then i didn't hear anything until i received a letter from Bryan Carter, th
  22. Hi New member hoping for some advice I took a loan out with natwest in 2005-6 ,i lost my job 2007 , carried on paying by selling things and they wouldn't reduce payments even though they knew i was unemployed . Eventually they did after i visited the c.a.b. They set me up paying £1 per month direct but eventually natwest said that wasn't enough and passed it on to moorcroft who i was then paying £5per month to. After a while i noticed the natwest balance statement was about 600 less than the moorcroft's. I queried this with moorcroft they did nothing ,so i que
  23. Hi, My mother owes Lloyds TSB £4,000 for a Credit Card and £6,500 for a Bank Account. She moved to Ireland in September 2012 to retire as my father has alzheimer's disease, and it's a better quality of life over there. She has high blood pressure and suffers from stress which Lloyds TSB are aware of. I'm a student studying at University and have promised to help her deal with the constant letters to try and reduce her stress levels. The letters are being re-directed by Royal Mail from our old address to my University address. She has not informed Lloyds TSB or Westcot tha
  24. Hi All, Firstly thanks for this site, I have been a long time lurker ! Long story short i have some debts i am trying to get settlements on that have defaulted within last 12 months. This one, the balance was over £17K - a credit card with my bank. I asked to settle at 30%, did an I+E, and after 2 weeks the answer came back - OK. Had to pursue them to get this in writing and after 2 previous unsatisfactory versions have received this final version. Is this ok to settle on? Don't have cheques or 3rd party so planning to pay via Bank transfer. Spoke to bank a
  25. at the start of the month i received a claim from from Northampton court, the particulars where as follows The claim is £xxxx being monies owing to the claimant in respect of a credit agreement between Llloyds Tsb and the defendant under account no xxxxxxxxxxxxxxx The agreement was terminated as the defendant failed to maintain the agreed terms in accordance with the pre action protocols the claimant has attempted to contact the defendant and agree and repayment plan the defendant has failed to respond or maintain a suitable agreement and the balance of £xxxx remains due and owing f
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