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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Are DCA's afraid of the OFT?


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After spending quite a long time on this forum and others on CAG, I am under the impression that’s it’s not just us consumers that have no faith in the OFT, but it seems like the actual DCA’s are not too bothered about them as well. We read day in, day out posts on here that show the DCA’s contravening the OFT guidelines on debt collection. These companies must surely know what they can and can’t do in regards to the law, however generally just ignore them on the principle that the chances of being caught are slim, and if they are brought to book on any of their practices will generally get away with it with the proviso from the OFT that they will change their ways, which they wont. Even if the OFT came down hard on a DCA and say fined them £250k, would that really bother them when the profits they make from ignoring the guidelines bring in a hell of a lot more.

It seems a sorry states of affairs when consumers have no faith in the regulator and the companies that are regulated by them think they are a joke and ignore them probably 90% of the time.

What I want to ask is what can actually be done to make DCA’s comply with the guidelines? Or is it a case of no matter what happens, DCA’s are DCA’s and a leopard will never change its spots?

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I made a complaint to the OFT regarding the conduct of Ruthbridge Ltd, I received a reply stating that they do not get involved in individual disputes, I wrote back to them stating it was there responsibility to investigate the way the company was handling it's business according the rules set out by the OFT themselves and I believed that Ruthbridge were in breach of this. I have not heard nothign back from them so NO, i've not much faith in the OFT so I don't expect the DCA's to be pretty scared either.

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I am too of the impression DCA's are not afraid of the OFT.

 

Wescott are still operating although they have no authority to do so since 6/2/09.

 

OFT comfirmed to me in telephone conversation only this morning that they, Wescott are not licensed to purchase or sell debt's yet are still doing so.

They sold my debt on on 19/7/09.

 

Seems there is nothing in the way of stopping this behaviour.

 

And little recourse for the comsumer or debtor.something needs to be addressed here,but what course of action do we have?

 

I will be complaing very vigourously to my local MP later today,on this very topic.

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Then complain to the OFT themselves about their lack of a spine!

 

The Office of Fair Trading: Complaint procedures

 

We are always interested in the views of businesses and consumers about our procedures and how we operate them.

We shall listen carefully to any views that are put forward and if problems are identified we shall take remedial action.

Anyone with a concern or complaint about our procedures or the handling of a case may wish to try to resolve the matter by writing to the Head of Enquiries and Reporting Centre at the following address:

 

Head of Enquiries and Reporting Centre

Office of Fair Trading

Enquiries and Reporting Centre

Fleetbank House

2-6 Salisbury Square

London

EC4Y 8JX

 

We hope that our response will satisfy complaints. However, if anybody is dissatisfied with the response, they may write to the General Counsel of the OFT at the above address. If upon receipt of a letter from the General Counsel's office the complainant is still dissatisfied, their complaint can be referred through a Member of Parliament to the Parliamentary and Health Service Ombudsmen who has the power to investigate further.

 

They cannot act with near impunity, tell them all of their shortcomings, it might take you a while but you might have a weekend free?:-D

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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After spending quite a long time on this forum and others on CAG, I am under the impression that’s it’s not just us consumers that have no faith in the OFT, but it seems like the actual DCA’s are not too bothered about them as well. We read day in, day out posts on here that show the DCA’s contravening the OFT guidelines on debt collection. These companies must surely know what they can and can’t do in regards to the law, however generally just ignore them on the principle that the chances of being caught are slim, and if they are brought to book on any of their practices will generally get away with it with the proviso from the OFT that they will change their ways, which they wont. Even if the OFT came down hard on a DCA and say fined them £250k, would that really bother them when the profits they make from ignoring the guidelines bring in a hell of a lot more.

 

It seems a sorry states of affairs when consumers have no faith in the regulator and the companies that are regulated by them think they are a joke and ignore them probably 90% of the time.

 

What I want to ask is what can actually be done to make DCA’s comply with the guidelines? Or is it a case of no matter what happens, DCA’s are DCA’s and a leopard will never change its spots?

 

 

so what shall we do, give up!!!....very worrying, can CAG organize a way of escalating these issues to the ministry of justice or to the

european parlaiment!!!

 

any ideas???

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Strangely the status of Wescot's licence has changed to current today.

 

Its still listed as pending when you go into the history, but on the licence details it says current.

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Never give up, is my motto!

 

Complain to Jack Straw and the shadow minister for Justice;

Complain to Ken Clarke, you can try Mandy as well if you so wish;

complain to your MP's & MEP's.

 

AC

 

 

and did you get any results????? very worrying!!!!!!!

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Never give up, is my motto!

 

Complain to Jack Straw and the shadow minister for Justice;

Complain to Ken Clarke, you can try Mandy as well if you so wish;

complain to your MP's & MEP's.

 

AC

 

Totaly aggree put presure on your mp mep and local council and make them understand you will not be fobbed off with soundbites or spin letters but you want them to do there JOBS and put presure on the oft and trading standards to slap the dca's hard, It can be very effective if you can take 12 to 40 suporters along to an mp's surgery and pacefully but forceably make your point and that you demand action

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Totaly aggree put presure on your mp mep and local council and make them understand you will not be fobbed off with soundbites or spin letters but you want them to do there JOBS and put presure on the oft and trading standards to slap the dca's hard, It can be very effective if you can take 12 to 40 suporters along to an mp's surgery and pacefully but forceably make your point and that you demand action

 

 

good idea!!!!!!

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If you want to make a complaint about OFT you can go to these

 

Parliamentary and Health Service Ombudsman - home

 

Parliamentary and Health Service Ombudsman

 

I'm not saying they are any better, but it might be worth a shot if loads of us lodge complaints at the same time about OFT's failure to deal with the banks and DCAs.

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Strangely the status of Wescot's licence has changed to current today.

 

Its still listed as pending when you go into the history, but on the licence details it says current.

Now that is worrying,i'm phoning the OFT again tommorow,this is a disgrace after what i was told only this morning,i specifically asked the question,has wescott lost the right to buy and sell debt's as their status states they are un-orthourised,i was told that is the correct.

 

A situtation worth keeping an eye on i think.

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Application / Licence Details

 

 

 

Licence Number:0148091

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberWescot Credit Services LimitedSC84131

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Okay after a bit of digging I think we are getting confused.

 

It is on the FSA register that they are not authorised.

 

They have a current credit licence but they are not authorised by the FSA

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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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]

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Okay after a bit of digging I think we are getting confused.

 

It is on the FSA register that they are not authorised.

 

They have a current credit licence but they are not authorised by the FSA

 

Thank you for taking the time to clear that up the confusion,no wonder the DC industry is in the state it's in if Wescott are allowed to operate with a licence,but not be authorised by the OFT.

I thought that had to authorised by this goverment body,i do think this must surely add some weight to any complaint we may have again'st the DCA in question and the way the OFT operates.

 

Could it be because Wescott are not authorised by the OFT,be the reason they don't adhere to guidlines and seem to show comtempt for them.

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They are not authorised by the FSA, the register on the OFT website is credit licences, which shows they have a current licence, issued in 1984 and expires in Feb 2010

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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What about asking the OFT to not renew their licence in Febuary 2010?

If enough of us made a fuss we may just get these shysters closed down?

 

Anyone with any kind of debt which is really credit you created with your signature should consider going down the Mary Croft route however it is only a route for those who have spiritually awoken and are not the PERSON.

“I will not make any deals with you. I've resigned. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own.”

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