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    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
    • Yes it doesn't work HB  In Wales someone needed a test on a Sunday, the testing station at Llandudno Hospital was closed, so they could either go to Manchester, 75 miles, or Cardiff 200 miles and a 10 hour round trip.   But as Manchester is England no guarantee on getting test results.
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janice514

Westcot Credit Fishing Shall I Reply

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HELLO to you all have received a letter today from westcot here goes.

 

dears mrs bla bla bla

 

BRITISH GAS TRADING LTD

 

WHY ARE WE WRITING TO YOU

 

Westcot credit services limited is a specialist debt collection company and this letter gives you notice that we have been instructed to collect the outstanding balance on the above account.

 

The above address was provided to us by experian as a possible forwarding address for you. Experian is a credit reference agency and holds data on credit and financial agreements electoral roll information and other public domain data. This data shows a line between a previous address and the above address.

 

WHAT SHOULD YOU DO NOW

 

EITHER

 

if you have any reason to believe this is not your account you should contact us on 00000000000 or write to us at the above address quoting the westcot debt no we may be able to assist you in obtaining further information about this link and advise you what to do if it is incorrect . You can also simply return the mail to us marked not at this address we confirm that westcot has not registered any debt against your name or the above address in respect of this matter.

 

2 contact us immediately to arrange payment you can pay by xxxxxxxxxxxxxxxxxxxx

 

IF YOU IGNORE THIS LETTER the account will be referred to our COLLECTIONS TEAM for further action

 

we look forward to hearing from you

 

 

 

what should i do xxx helllllllllllllp

 

jx

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Hi,

 

I'd wait for their 'collections team' to get in touch.

 

Regards.

 

Scott.


 
 

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

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

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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is it just fishing ????? shall i put it in the bin???

 

jx

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Is it your account ???


 
 

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

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unsure to be honest not with british gas???? if it is from while ago, honestly unsure

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I'd bin it :)


 
 

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

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ok will put it in the bin right now, cant stand getting letters through and its worded really nice till bottom bit lol, maybe they have changed tactics do you think???

 

jx

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Reading the letter, they deffo don't have a clue if it's you or not.

 

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

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tytyty why are we up so late lol, we must be mad eh xx

 

jx

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I know, off to my kip ;) catch you later :)


 
 

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

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They are fishing. Keep the letter for now because if it isn't you they are looking for it will serve as excellent ammunition for a complaint to the OFT.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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thanks again xx enjoy ya kip

 

jx

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ty cerb will do i will fish it out of the bin, really unsure if its me, to be honest moved house over 12 months ago but cannot recall being with b gas when i left may have been years ago but unsure when

 

jx

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If they start chasing again you can always send them the 'Prove It' letter; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt the onus is on them to prove you owe the debt and that they have the right to collect.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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