Jump to content


  • Tweets

  • Posts

    • while politicians trough at subsidised bars and canteens, claim thousaands in expenses while letting out their properties and tories vote to leave UK children hungry That ALL needs to stop
    • J&P Credit Solutions are specialists on debt recovery. Either way they seem to be swapping between the JandP and IDR whatever their exact definitions are.
    • Primary and secondary teachers are supporting pupils with their own money, buying food and warm clothing. Eight in 10 primary teachers in England spending own money to help pupils | Education | The Guardian WWW.THEGUARDIAN.COM Increasing numbers of children hungry and lack adequate clothing, with two-thirds of secondary teachers also supporting pupils  
    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Help wanted against Wescot - been blindly paying them for years


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5783 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have been paying £50 per month to Westcott for a debt on a Nat West credit card from ages ago. Being the disorganised person that I am, I have no details of the original debt, nor exactly how much I have paid to these blood suckers.

Recently they have taken to phoning and offering me a discount,

on one occasion saying that if I did not pay off the debt they would double my payment.

I don't have any spare cash at the moment so that is not an option.

Yesterday they spoke to my wife and were very rude to her, this is something that I will not tolerate.

They have now made me mad and I want to screw them any way possible.

Are there any letters that I can send asking for details of the original debt and also the payment as that I have made to them?

I'm sorry if this has been answered elsewhere, I did do a search but I am a bit short of time, having only just got my broadband connection back after Pipex cut me off for no reason and then refused to accept that they had done anything.

I am currently working long hours and would like to get at them ASAP.

 

Thanks

Link to post
Share on other sites

send the CCA letter

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

 

Letter 'N' Do not sign and send a £1 postla order.

 

This will establish if they have a legal right to collect on this debt.

 

Post back if you need any further help.

 

 

JOgs

Link to post
Share on other sites

Also do not sign the letter....just print your name, and send by recorded delivery as a minimum but preferably special delivery.

 

Beau

Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)

Link to post
Share on other sites

Thanks for that. Is there any way to get a statement from them so that I know what the original debt was and how much I have paid them? Or should I leave that until I've sent letter N and received a reply?

Link to post
Share on other sites

Part of the request is that they should send statements showing what has been paid and what has still to be paid. If they don't do this they are in default of your request and the account goes into dispute until such times as they fulfill ALL parts of the CCA 1974 requirements - copy of the original agreement, copies of any documents referred to in the agreement and statements.

Link to post
Share on other sites

Hi, Snapper.

 

Send a S.A.R - (Subject Access Request) to NatWest, that'll let you know the score regards payments ect.

If they come up with your CCA, you can re-claim any charges.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

I would definately SAR Natwest as advised above. Then I would make sure that I check, double check and triple check that all the money you have paid has been allocated to the debt.

 

I too had Wescot collecting a Natwest debt. They passed the account on to another DCA. For about a year I was paying Wescot and the money was sitting in their suspense account. They didn't even have the decency to tell me. I was quite angry but I did get all the money back. My debt ended up being sent to Rockwell who suprisingly are all right given they are a DCA.

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

Link to post
Share on other sites

The problem is that this is quite an old debt and dates back to before we moved house, when a lot of paperwork, especially old stuff, got " lost ". I have had a look but I can't find any paperwork relating to nat west.

 

I thought that Westcott and their ilk bought debts off the original owner for a proportion of what it was worth and then collected it.

Link to post
Share on other sites

I think they normally do but luckily in my case hadn't. Before Wescott had the debt it was with Scotcall. Oh the memories.

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

Link to post
Share on other sites

  • dx100uk changed the title to Help wanted against Wescot - been blindly paying them for years
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...