'Door step collection' letter from WESCOT. WHAT SHALL I DO?

[Kayleigh9478]

I am in £550.00 worth of debt with Wescot at the moment, as well as other companys.

 

I have not made a payment to them for months now as i was made redundant from my job in July last year.

I was on JSA but they stopped paying me as i didnt go on the 'work placements' that they try to send you on,

where you work full time hours for an extra £10 every two weeks.

 

However,

i have just received a 'door step collection' letter from Wescot.

I have been receiving letters and phone calls from them for months, all of which i have ignored.

 

I am just a bit worried now that they will send someone round to my house.

I am currently still living at home with my parents.

My mum is not too happy with me for having this debt at her house as it is.

I dont want anyone coming round hassling me for money on our doorstep.

 

Obviously, i cant afford to pay them anything at the moment as i have nothing to give them, i am struggling as it is.

 

I dont know what is going to happen now, if they do send someone round or if is just a threat to scare you to pay up?

 

Just wondered if this has happened with anyone else and if you know more about what to do next?

[IdaInFife]

this is normaly just a threat can you tell us who is the orignal creditor and what is was for?

 

ida x

[welshwizard]

start collecting horse manure to throw at them.... let them collect that!

[ScarletPimpernel]

By coincidence, I also received one of these brightly coloured scraps of nonsense today too, in respect of a debt which is not mine.

 

It comes on top of Wescot's threats of legal action (not taken); more legal threats on their 'solicitor' paper (not taken); and after they told me 10 days ago that if no payment was forthcoming within 7 days they'd return the account to the creditor.

 

Wescot, like other DCAs, generally rely upon threats and peoples' ignorance of the law; their correspondence is computer generated drivel. I will be ignoring my Wescot letter.

[twobeercans]

If they actually turn up, open the door and shove a binbag full of rubbish in his/her hand. tell them to "make themselves useful and chuck it in the bin on there way out and make sure they shut the gate".

[harrassed senior]

Read this light-hearted thread:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/194395-i-have-my-own.html

[Kayleigh9478]

this is normaly just a threat can you tell us who is the orignal creditor and what is was for?

 

ida x

 

I dont actually know who the orignal creditor way, im in quite a bit of debt at the moment. It has been passed on from Phoenix Recoveries as i dident pay them either.

 

So i should just ignore this one like i have done the rest?

[tindwcel]

Yes. Ignore it.

[Bazooka Boo]

You might like to arm yourself with some of these letter templates, in the extremely unlikely event someone does turn up to collect your doorstep.

Print this off adjusting and entering the necessary details as required to your particular circumstances, then you can pass it to them through the letterbox.

Give them the template letter linked below through the letterbox or chained door.

 

Tell them to leave as you have nothing to discuss and all communication must be in writing.

 

Tell them you will call the police if they don't leave immediately.

 

Remain calm and polite at all times.

 

Walk away from the door so the visitor cannot try and talk to you.

 

If they don't leave, call the police to report that you are being harassed and the visitor refuses to leave.

 

This is the telephone harassment letter you can send them. Not forgetting by recorded delivery and print don't sign your name.

Although you have previously been paying Westcot, have you asked if they have a legal right to collect this alleged debt?

IE.Have you requested a CCA agreement from them? Have they provided it?

[creditcardmug]

Send this to the morons, if (unlikely) they do turn up, tell them to get off your property, or you will call the police (and do it)

 

I DO NOT AKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

Dear Sir/Madam

 

Re: = xxxxxxxxxxxxxxxx

 

Thank you for your correspondence of DATE, received by me from your xxxxx address, and stating that a ‘representative’ will be calling at my home on DATE.

 

Please be advised that I will only communicate with you in writing.

 

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

I look forward to hearing from you

 

Yours Faithfully

[Bazooka Boo]

Also, you can re-assure your mother that it is the 'person' and not the 'address' or anyone else living there that receives a default on their credit rating, if your Mum is worried you can check her Credit file for free here.

[Kayleigh9478]

Thanks for your help guys!

[IdaInFife]

I have not made a payment to them for months now as i was made redundant from my job in July last year

I would assume that the above meant you have paid them something? You donlt know what the debt is for?

 

if you do not know what it is for I would send them:

 

Dear Sir/Madam

Account no:

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

Please be advised that I will only communicate with you in writing.

 

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I/we look forward to your reply.

 

ida x

[danmoz98]

I'm glad you value my opinion so much you have to ask a bunch of strangers on the internet to confirm what I've told you all along.

 

Why don't you ask for their advice on the paypal issue too and the guy who insisted he didn't want insurance on his item?

[Nottsdave]

Danmoz,

 

Aint you a star whoever you are.

 

Notts

[itstheone]

I'm glad you value my opinion so much you have to ask a bunch of strangers on the internet to confirm what I've told you all along.

 

Unless your in the legal profession it can't do any harm to get a second opinion

[danmoz98]

Danmoz,

 

Aint you a star whoever you are.

 

Notts

 

 

Yes, yes I am. Her boyfriend btw. Real life, not Internetland.

[sea-sidelady]

According to the old thread, the bank cleared this debt. (If this is the same debt)

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/173504-rbs-monthly-charge-options.html#post1898691

 

Did you get proof of this and keep the letter?

[danmoz98]

According to the old thread, the bank cleared this debt. (If this is the same debt)

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/173504-rbs-monthly-charge-options.html#post1898691

 

Did you get proof of this and keep the letter?

 

 

Good point, something to look into. Thanks

[Nottsdave]

congratulations to you Danmoz, your one of a kind.

 

I can see your GF appreciates your valued input

 

Notts

[Kayleigh9478]

congratulations to you Danmoz, your one of a kind.

 

I can see your GF appreciates your valued input

 

Notts

 

 

WTF?

 

Wat are you talking about?

 

Of course i appreciate it!

Edited May 19, 2009 by Kayleigh9478

[danmoz98]

Jeez, calm down