WESCOT using ANOTHER agency?????????

[cheesecake3]

Hiya everyone, as requested i spoke to wescot and told them i could only pay £10 and if they wanted more they wud have take me to court and i would not deal with them over the phone etc.

 

NOW i recieved a letter from CREDIT SECURITY LTD (the old court house, high st, whitchurch, bucks 0845 122 2985) debt enforcement office saying that They have been instructed by their client WESCOT CREDIT SERVICES LTD - BARCLAYS BANKPLC???? to recover my debt. Ok who are they collecting for, wescot or barclays?

 

They wrote word to word bold to bold.

 

Dear miss XXX

 

We have been instructedby our client to recover the above overdue debt.

 

we DEMAND that the sum stated be sent direct to this office IMMEDIATELY using the payment slip below (over £20,000 coz of added interest).

 

You failure to comply could result in a DEBT COLLECTOR calling upon you for payment or a county court judgement being registered against you.

 

What should i do? ignore?

[Pinky69]

Notice "could result in" - they are just trying to put pressure on. What a ridiculous letter asking for £20,000 in one payment! Have you checked there is a valid credit agreement for this account? In the meantime, I would tell this shower that you have received no Notice of Assignment from anyone informing you that any account in your name has been passed to them for collection and until you have proof that they have the legal right to collect any payment from you no payment will be made. In other words, bog off!

[emmaf01]

I know that address- aren't they Call Serve as well?

 

Is that the left side of the office, or the right?

 

Send them the "I do not acknowledge this debt and prove you have the paper work" letter.

 

Don't worry Cheesecake3, other people are dealing with this shower. I sent the other side of the office a CCA request recently.

[cheesecake3]

Hmmmmm let me see what happens next. usually i deal with DCA by panicing and going into depression but i think i should sit back and wait for another reply see if they say anything a little more concrete.

[mr.ton]

Hiya everyone, as requested i spoke to wescot and told them i could only pay £10 and if they wanted more they wud have take me to court and i would not deal with them over the phone etc.

 

NOW i recieved a letter from CREDIT SECURITY LTD (the old court house, high st, whitchurch, bucks 0845 122 2985) debt enforcement office saying that They have been instructed by their client WESCOT CREDIT SERVICES LTD - BARCLAYS BANKPLC???? to recover my debt. Ok who are they collecting for, wescot or barclays?

 

They wrote word to word bold to bold.

 

Dear miss XXX

 

We have been instructedby our client to recover the above overdue debt.

 

we DEMAND that the sum stated be sent direct to this office IMMEDIATELY using the payment slip below (over £20,000 coz of added interest).

 

You failure to comply could result in a DEBT COLLECTOR calling upon you for payment or a county court judgement being registered against you.

 

What should i do? ignore?

 

You should reduce your £10 per month down to £1 per month just to teach the ungrateful b******s a lesson in learning to accept what they are offered

Or better still...just pay nothing at all as no debt collector will call & no court action will happen

[Guest forgottenone]

as requested i spoke to wescot and told them i could only pay £10 and if they wanted more they wud have take me to court and i would not deal with them over the phone etc.

 

I presume you meant 'letter' not 'spoke' as in phone? It's always prudent, eg for your own protection to not make agreements over the phone with them, and it saves you the cost of the costly phone calls which, when in debt, you don't need ... there is no record of anything, except in writing which can be audited back to you and them. And it's next to impossible proving a phone conversation ... they will conveniently 'lose' anything if challenged for example. If you didn't and I misinterpreted where you said 'spoke' then ignore.