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Found 18 results

  1. Hello- background: debt dates to 2005 with a pre-approved credit card, the limit being increased and increased unasked unti 2008 when BAM! Then i set up a debt management plan with the CCCS, and paid into that until feb 2012 and not a penny since. A couple of weeks ago i got a phishing letter from wescot addressed to me at this address asking if the address was correct and saying if they didn't hear back they'd assume it was, no detail as to what it was for. I didn't reply. Today, letter from wescot saying they have been instructed by their client arrow global ltd-egg
  2. Hi all and thanks in advance for your help. I defaulted on some debt after losing my job. The defaults were for a credit card and a loan and were in June 2011 and July 2011. Am I right to think that these will fall off my credit file automatically shortly after June and July 2017? Or will they stay on but just show the last six years of credit history associated with them? In the meantime I have managed to maintain and pay credit that has appeared on my credit reports as well. These include a Barclays credit card, a Lloyds credit card and an O2 phone agreemen
  3. Hi Wondered if anyone could help?? I have been payin of my debt for a LONG time through StepChange, to be precise i've paid off around £11k in 8/9 years and recently have changed to Pay Plan who have advised me to to a debt relief order which i don't really want to do. However my grandad recently passed away and my dad has £4k that he said he is willing to pay off my debt if i can get reduced payments on them all. Using the National Debt Advice Service templates and calculator i have sent letters to all my creditors which are all debt collection agencies to if th
  4. I had a student bank account wIth natwest which has an over draft and a credit card. The overdraft is owing and the credit card is within its limit but natwest wanted to whole payment. A lot of the balance is charges! My graduate account was automatically changed into a graduate account even though I hadn't graduated (my studies took longer as I was ill) At the start of 2011 I went to natwest inquiring about a graduate loan. I wanted 10k to pay for rent, buy furniture and a car. I'd been living in Kent with my partner and we were relocating to my home town. The guy at the bank
  5. Hi my hubby recently checked his credit file and has found he has a default put on by Lloyds. We want to apply for a mortgage around Oct/Nov next year 2013 and we really want this debt paid so it can show as settled. hubby phoned Lloyds and they said the debt has been transferred to Westcott. he phoned Westcott and they couldnt find any info for him and said they would write to him - that was 2 weeks ago and times ticking away ...what should he do? Any advice is appreciated.
  6. Hi guys, just a quick question... I advised O2 that I was unable to pay my O2 contract with them due to have recently been taken to the cleaners in a divorce. I also advised that I have moved to Germany and would attempt to pay back what is owed once I get a job here... well... its been 9 months, not been able to get employment yet, just been signed on the JobCenter here and getting the very basic in support. I am hoping to get employment soon, and have informed Westcott that I had advised O2 about this... Now I have read up on Westcott and find that they paid 02 the debt owed
  7. Hi all, In 2011 I took out a £15k loan from barclays to save my struggling business which inevitably failed, I had a PG on the loan so I paid off £50 per month since and now it has been sold to Westcott. Judging by previous threads here, it seems as Westcott now own this loan instead of barclays and are sending me letters trying to arrange the payment plan again I am 26 years old and struggling with work at the moment, so I want to know if I have any rights and what I can do about it. By looking at other Westcott posts it seems as if I should avoid them as
  8. hello im new to all this and not sure where to start ive been in financial trouble and been unbale to pay my halifax credit card i currently owe them 15,120 33 p until 4 years ago i was paying them 350 a month but i lost my job and home so was unable to pay it i did write to halifax and it was agreed at first i paid 20 a month then for the last 3 years ive been paying 1 pound a month when i moved house i did not tell them my new address scared they would come after me i never told my wife about this debt ive been paying like a said a 1 for ne
  9. Hi, Received letter from Westcott asking me to confirm who i was. Stupidly called them and asked what it was about and they said it was British Gas bill from Nov 2012 for £180. They would not give me info until I confirmed my identity (I know, i probably shouldnt have done it in hindsight). But I have. Told them I have no idea how I owe any money and that Id contact BG directly which I did. Got cut off several times online, on the phone to BG. BG claim I owe it - they attempted to break down the bill and couldnt explain how I owed the money.
  10. New debt new story, as follows. Not mine This is a bank account debt IRO £750-00, CCA req was sent 03/01/2014 acknowledged on the 06/01/2014. No return of CCA. The account was then closed on the 11/01/2014 and returned to the OC NOA issued by the bank 17/02/2014 to Westcot. Contacted Westcot and stated still have an outstanding CCA request, why are you involved? they say I now have to resend the CCA req to them with the fee of £1-00 again. My understanding was as the original CCA request has not been dealt with the enforcement can not continue until it is.
  11. Hi all I've been a fan of the forum for ages and have avidly read the questions and great answers from the very knowledgeable people on CAG. You are all wonderful. Now I've got need of your help myself! I missed a couple of monthly payments that I was making to Lloyds bank due to being in hospital. Payment had been made monthly using a paying in book at any Lloyds branch. I've had a letter from Westcotts saying that they have had the debt referred to them and are collecting on behalf of Lloyds. The letter wanted me to contact them with my repayment proposals.
  12. I got a phone call this morning which went something like this. "Sorry to bother you but can I speak to xxxxx xxxxxxx"? I said I was speaking. "The caller then said I'd just like to confirm we can still contact you at (and stated my address)"? Alarm bells went off at the back of my last remaining braincell and I asked who was calling. We are 2F. I asked from where. Hull. I asked why she was calling me. After some evasive tactics, she eventually said they had a client who had been trying to deliver correspondence to me. I asked again who she worked
  13. Ok - so the debt is unen and we have a letter to prove it. Barcalycard give it to Robinson Way - we send them copy of unen letter. Robinson Way send debt back to Barclaycard. Barclacard send debt to Westcott. We send them copy of unen and receive this letter in return. Dear Blah We refer to your recent communication. Having contacted our client they have advised this account is unenforceable under s78 of the Consumer credit Act; however, this does not prevent collection activity. Our client is only unable to take legal action against you. In the circumstances, we beli
  14. I've sent a CCA request to Wescott who have returned it together with the PO saying I should send it to Llyods direct with a PO made out to them not Wescott or I can send back to them and that they will forward. In the letter they have said they still want me to arrange a payment or proposals to repay within the next 28 days irrespective of the CCA Can they insist on this and how should I reply. thanks
  15. I sent off a CCA request to a DCA with a £1 postal order payab;e to the DCA. They have returned it asking I make it payable to the Creditor. They have also asked me to cinfirm if I have ever opened an accoun t with their client and the balance. They finally state if I am disputing the balance or feel it may be subject of fraud I should supply full details. What is the best way forward do I send a payment payable to their client, and what is their role in this matter
  16. Hi all a bit of advice needed. I have an old credit card debt going back 10 years with Westcott. I have been paying them £10 per month by standing order over that ime and have received no communication from them at my current address for over 8 years. All of a sudden they are on my case writing and telephoning. I decided to fight back and have sent a cca request and a subject access request with the appropriate fee. I guess what i want to know, having rebuilt my credit rating is, can they hurt me or is it just bluff, now that for some reason they have found me.
  17. Hope someone can advise me; I've been receiving lots of missed calls and voicemails recently asking me to call Westcott / Westcot (not sure which way they spell it). Being on the receiving end of loads of spam calls (my mobile number has somehow ended up on some list) I never answer calls from a number I don't recognise, but these voicemails are worrying - the message uses my full name and asks me to call them with a reference number, obviously they are some sort of debt collection company from what I've read on this forum but as far as I'm aware I don't have any missed payments on anything /
  18. Looking for some advice on action to take, as a little confused. I never expected when googling this to find so much information, it's almost impossible to sort out what's relevant and what's not! And so many people in similar circumstances! I have got a refinanced loan and basically now owe around £4000 to Lloyds TSB. I lost my job March 2010 and ended up avoiding the loan repayments. Lloyds eventually took my benefits from my account, forcing me to phone them, and I set up an agreement of £5 a month. A few months later a £5 payment bounced which apparently "ended our agreement". I avoid
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