Jump to content



  • Tweets

  • Posts

    • Well please can you search everything and get all your documents together. Read them. Understand what you have. And they make sure they are properly filed. Do you have the name and address of the driver? Also I believe that you said that you had received a message from your own insurer saying that you were liable – or something like that. Please can you reproduce that message here – preferably in PDF format
    • As i stated above, i found out a document from my draw that admirel had sent me on the 25th of january. I found it out to see if it had any information about the van. Then i saw that it said ' section l -witnesses , then a male name .
    • You say that you have only just found out that the van driver has apparently got witnesses to the accident. How did you just find this out?
    • Well reading the bullet points is essential. If you think that the bullet points are a correct account of what happened and you are prepared to stand by this account and even eventually sign a statement of truth – in the event that this goes to court – then it is worth going forward. If you think that this is not a correct account then probably we have to stop. If you have received documents from the van driver's insurance then it may be correct not to respond to them at the moment – but we would like to know what those documents are. I'm amazed that your own insurers haven't sent you any formal documents. As I've already said, send them the SAR straightaway. Also I think that separately you should phone them tomorrow and ask them what's going on and tell them that you want documents relating to their finding that you should be held liable for the accident. See what they say about this. They may say that they are not prepared to disclose documents to you. Once again, I've already suggested elsewhere that you should read our customer services guide and implement the advice there. This is essential. My prediction is that if you want to deal with this then you will have to sue the van driver in the County Court for negligent driving. This will be a small claim and so the outlay to you would be relatively minor and you would not have to pay the other side's costs in the event that you lost. I would expect that your outlay would be only about £200. If you won then that would change everything in terms of getting compensation for your car and also in respect of the cost of repairs for the damage vehicles. Also, it would assist on your other thread in dealing with the extortionate price that you been required to pay for the car – which I think we've already indicated is a complete scam. I think you had better start learning not to trust anyone. You can trust us – but you have to make your own judgement on that score – that there is certainly no one else that you can trust in this. Would you eventually be prepared to take a small claim in the County Court? If you have no experience of this then talk to 1 or two people but also read up on this website about the steps involved taking a small claim in the County Court. It's straightforward but you need to know the steps in advance. You will not need a lawyer – but if you did decide to get a lawyer then it will be very expensive and you won't get the money back even if you win.
    • Iv only just seen that the van driver is claiming a witnesses, i didn't know this other than from 10 minutes ago.    I haven't received any documents from my own insurance , the document i received was from admirel - the van drivers insurance.   Yes i have the name and address of the van driver.   There was still ice on the road yes.    I will carefully read through your bulletpoints and comment afterwards.     
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 25 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

Please note that this topic has not had any new posts for the last 2784 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Can I ask which company did Wescot buy the debt from?

 

And how close is it to being statute barred?

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

Link to post
Share on other sites
  • Replies 134
  • Created
  • Last Reply

Top Posters In This Topic

Can I ask which company did Wescot buy the debt from?

 

And how close is it to being statute barred?

 

I was almost going to say it was a Provident deal picked up by Wescot, but from what bsj is saying, it's something totally different.

 

I'm beginning to wonder if one owns the other... :confused:

My advice is given based on personal experience and any useful information I've picked up over the years. Always seek professional advice if there's any doubt.

 

<Please feel free to click on the star if you think I've been helpful

Link to post
Share on other sites

Interesting this, a company called Fresh Start called me this week on my mobile offering me a 'unique way to clear my debt' I said I wasn't interested and told the caller I was an active member of this forum and was quite capable of dealing with it myself. She then started on some spiel about 'getting it all tied up in one basket' and I told her again to vanish and not call again.

 

Provident lending their own ill gotten gains to pay their own extortionate interest loans sounds like a very back door way of clearing up their dodgy debt to become more 'legal'.

 

You only have to look at Credit Today to see how much Provident are 'forging ahead' in the current downturn.

Link to post
Share on other sites
Interesting this, a company called Fresh Start called me this week on my mobile offering me a 'unique way to clear my debt' I said I wasn't interested and told the caller I was an active member of this forum and was quite capable of dealing with it myself. She then started on some spiel about 'getting it all tied up in one basket' and I told her again to vanish and not call again.

 

Mmm... the old Yes Loans technique :rolleyes:

 

You only have to look at Credit Today to see how much Provident are 'forging ahead' in the current downturn.

 

That explains an awful lot

My advice is given based on personal experience and any useful information I've picked up over the years. Always seek professional advice if there's any doubt.

 

<Please feel free to click on the star if you think I've been helpful

Link to post
Share on other sites
Borrow yourself a dog and next time he comes to the door tell him he has got 10 seconds to get off your property or you will let the dog out.

 

My dog is a great deterrant for salesmen. They take one look at her when she is looking out of the window and leave me alone.

 

I am putting a sign up next week saying 'Salesmen Welcome, Dog Food is Very Expensive.'

 

Lol,i have a very big german shepherd,he barked the whole time the guy was on the doorstep,he did look a little nervous:-D.

 

What surprised me is he was sent to offer a loan to pay off a debt and knew nothing of the OFT guidlines,so i taught him something:-D:-D

Link to post
Share on other sites
Interesting this, a company called Fresh Start called me this week on my mobile offering me a 'unique way to clear my debt' I said I wasn't interested and told the caller I was an active member of this forum and was quite capable of dealing with it myself. She then started on some spiel about 'getting it all tied up in one basket' and I told her again to vanish and not call again.

 

Provident lending their own ill gotten gains to pay their own extortionate interest loans sounds like a very back door way of clearing up their dodgy debt to become more 'legal'.

 

You only have to look at Credit Today to see how much Provident are 'forging ahead' in the current downturn.

 

It's called fresh start,it ask's me in the letter to quote that when i ring them for my loan.they will wait a long time.:p

 

They don't have my phone number and they won't be getting it,if by chance they do,my answer will be much the same as yours.

Link to post
Share on other sites
I was almost going to say it was a Provident deal picked up by Wescot, but from what bsj is saying, it's something totally different.

 

I'm beginning to wonder if one owns the other... :confused:

 

 

I don't know as yet if the two companies are linked in anyway,i'm having a good look through providents website.

 

I started reading their company reports and have found nothing to link them as yet.

 

Fresh start is not mentioned on the site either,i would of thought it could be found under the services they offer,but thier's no mention of it.

 

I'm also interested to find out if they have a licence for collecting debt's.

 

I'm suspicious that provi are using the "Take out a loan and clear your debt's" route without having the authority to collect.

Edited by bsj
Link to post
Share on other sites
Can I ask which company did Wescot buy the debt from?

 

And how close is it to being statute barred?

 

I am not sure who wescott aquired the debt from.

 

It will statute barred in sept if my memory serves me correctly. I have heard nothing about this debt for a very long time.

 

Provi purchased the debt from wescott.

 

I'm tempted to get a copy of my credit report,but i'm a bit loathe too,as i have read here they possibly flag you up to DCA's.And i have a few small debts from this period,very bad time for me.

Edited by bsj
Link to post
Share on other sites
Complain to your mp and oft and make sure your mp knows you will not accept soundbites or spin but you want presure put on the oft to do there jobs

 

I have put in a complaint to the OFT and trading standards,i will be ringing them again monday morning to update them,i did tell the agent he is breaking the law by harassing me at my home over an alleged debt.

 

I shall follow up with a complaint to my MP on your advice just for good measure.:)

Edited by bsj
Link to post
Share on other sites

If it becomes statute barred in September then that puts you in an excellent position. I would just simply ignore them then send the SB letter when times up.

 

They probably full well know that it's becoming SB, and trying to do everything in their power to get you to pay up because they know they can do diddly squat after SB.

Link to post
Share on other sites
I have put in a complaint to the OFT and trading standards,i will be ringing them again monday morning to update them,i did tell the agent he is breaking the law by harassing me at my home over an alleged debt.

 

I shall follow up with a complaint to my MP on your advice just for good measure.:)

 

 

Good for you! ;)

My advice is given based on personal experience and any useful information I've picked up over the years. Always seek professional advice if there's any doubt.

 

<Please feel free to click on the star if you think I've been helpful

Link to post
Share on other sites
If it becomes statute barred in September then that puts you in an excellent position. I would just simply ignore them then send the SB letter when times up.

 

They probably full well know that it's becoming SB, and trying to do everything in their power to get you to pay up because they know they can do diddly squat after SB.

 

That's the plan,i did get the impression of deparate measures when i received the letter,i don't have long to wait now,if things get heavy from provi i intend to send the prove it letter,i'll keep baiting till the times up.

 

And to think these people pushed me to the brink of suicide more than once in the past,older and wiser,but the credit has to go CAG.

I spent many months reading before i posted.

As they say knowledge is power:-D

 

A big group hug and flowers for you all,thank you.

Link to post
Share on other sites

Basic details for:

 

312029 - Wescot Credit Services Limited

 

Current status:No longer AuthorisedEffective Date:06/02/2009Tied Agent:Undertakes Insurance Mediation:Registered under Money Laundering Regulations:Address:PO Box 137

Dunedin House

45 Percy Street

Hull

North Humberside

HU2 8HF

Phone:

Fax:

Email:

Website:

44 01482 590 590

44 01482 590 591

[email protected]

 

Notices:Other information:

 

Found this from a link in an other thread,so wescott continue to sell on debts unlicensed? as well as collect.

Is this worth persuing in my complaint to the OFT? as they sold the debt to provident,will it be relevant?.

Link to post
Share on other sites
Lol,i have a very big german shepherd,he barked the whole time the guy was on the doorstep,he did look a little nervous:-D.

 

What surprised me is he was sent to offer a loan to pay off a debt and knew nothing of the OFT guidlines,so i taught him something:-D:-D

 

I have a German Shepherd puppy. She is 7 months old and stands up at the window whenever someone knocks at the door.

:cool::cool: Blondmusic :cool::cool:
Link to post
Share on other sites
I have a German Shepherd puppy. She is 7 months old and stands up at the window whenever someone knocks at the door.

 

 

Another shepherd lover,nice to meet you.

Mine's 2 yrs old,he's a big softie untill someone approaches me.

He throws himself at the front door, full body slam and he has a bark to match his size,he 31inches shoulder height,i'm only 4ft 11in:-D

Link to post
Share on other sites

I contacted the OFT and trading Standards today.

 

They are looking into wether provident are licensed to collect debt's as they are primarily a loan company.

 

I also informed them that wescott are no longer authorised.

 

They have suggested that that i contact the catalouge company to ask when and if they sold the debt on and to whom.

 

The advisor also said that as i had not heard anything in years it maybe statute barred,(i know it's not far off).

 

When i have all the info from said catalouge company i have to ring them back.

 

As it is so close to sb if i contact them will it be deemed as admition of alleged debt.

 

It did'nt seem very helpful to me really as i know the debt has been purchased by provident so i'm already aware it's been sold on.

 

The OFT clarified that wescott are no longer licensed to sell or collect any debt,i have to forward the letter to them i recieved from provident as they are going to look into their practices of buying debt's when they are a loan company.

Edited by bsj
Link to post
Share on other sites

O.k so i phoned the catalouge company for details of the debt,they were extremly helpful.

 

It was sold to Wescott 9/9/04 so it's won't be sb'd for another year "sigh"

 

Got the month right but not the year:(

 

Why did it take them so long to sell it on if they had it all this time i wonder.

 

I'll have to sit it now an see what comes back from our friendly loan company.Or see if they sell it on.

Link to post
Share on other sites
The OFT clarified that wescott are no longer licensed to sell or collect any debt

 

That's very interesting, I had a try it on letter from Wescot last week over a Stat Barred debt. Did the OFT say what they are going to do?

Link to post
Share on other sites
statute baring runs from the date of last payment not the date they not the date they sell it on. So it probably is statute barred and you can tell them to fu*k off.

 

Now that's what i like to hear,i did stop paying approximatley a year before that,so in your words they can *&%$£ off then:-D

Link to post
Share on other sites
That's very interesting, I had a try it on letter from Wescot last week over a Stat Barred debt. Did the OFT say what they are going to do?

 

I had to e-mail the letter i recieved to the OFT,they said they will look into it.

It was music to my ears,i did post a reference to Wescott in an earlier post in this thread,thats where i found the info.

 

So i decided to bring to the attention of the OFT,fingers crossed they get closed down:-D

Link to post
Share on other sites
I had to e-mail the letter i recieved to the OFT,they said they will look into it.

It was music to my ears,i did post a reference to Wescott in an earlier post in this thread,thats where i found the info.

 

So i decided to bring to the attention of the OFT,fingers crossed they get closed down:-D

 

I think you should do it, especially in the light of what everyone else has said today

My advice is given based on personal experience and any useful information I've picked up over the years. Always seek professional advice if there's any doubt.

 

<Please feel free to click on the star if you think I've been helpful

Link to post
Share on other sites

I think it is statute barred, the date of sale has nothing to do with statute barring, the statute date is the last time contact was between you and the lender by way of payment.... if they say £1 was paid towards it just before it was sold ask for proof of who made the payment, you are entitled to this information.

Link to post
Share on other sites
I think you should do it, especially in the light of what everyone else has said today

 

 

Oh i definatley will see this out,I'll keep updating the thread:-D

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 2784 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...