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    • hi all.   In April 2019 I posted about owing 2.3k to PayPal, who sold my debt to Wescot.   Since then there has been a long war of words, mostly thin assertions that 'PayPal has advised us that...', and signatures from staff at PayPal that are supposed to prove that I owe the debt.   I've recently moved house, and am considering my options with the case going forward; I had initially intended to cut them off after the last year with no definitive proof, saying in my last letter that I trusted the matter was closed, providing no forward address.    However, after doing some more research recently I'm slightly concerned about what might happen if I dont keep them at arms distance with letter disputes, and that they may sue me and add the court bills through a CCJ (County Court judgement.) What is the liklihood of this or them finding my new address?    I'm also slightly concerned how my letting agency may react if against odds Wescot send bailiffs to my previous address, as this was with the same letting agency I use with my current house, and also where they will likely continue to send letters.   Advice?   Thanks. -b
    • They automatically sent me a few refunds from charges but I believe they weren’t this account it was another overdraft current account I had with them.   There is a letter in the SAR for the other account number about a cheque refund   I never contacted them
    • You indicated earlier you have already successful ly reclaim ed charges? DXx
    • So that amounts to about £700 at the current date today (with the formula back in)   Do I contact HBOS about these? I looked in the debt collection library but couldn’t see an overdraft letter.   Or is it a case of leaving it
    • If a bailiff does turn up, do not let him in he might try to "persuade" aka bully you into paying the debt as he might try to claim he can force entry, can only do that for a Criminal Fine.   Tell him/her, that named debtor does not live there hasn't for last 12 months, he took his property with him, so nothing is his.  Offer to show a Council tax bill showing you as sole liable person.   Other option is to get a Statutory Declaration sworn at a Solicitors that all property in the house is yours and named debtor is not a resident, and get a couple of Notorised copies, and hand one to a bailiff if they call.  Other thing is if you have a car, they might go after that,  so showing V5 and insurance in your sole name helps with that one.   Above all don't worry, also film them with a mobile to capture any threats.   Unclebulgaria is correct that they shouldn't call if they have a current address, might be worth telling them where he is if they did call on you.
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judi5060

Judi Vs Black Horse

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Good Morning

 

I need a little help please.

 

After months of waiting I have received my CCA Agreement from Black Horse Ltd which I thing is enforceable.

 

In total there are 2 photocopied pages. On the top of the first it sdays credit agreement regulated by the consumer credit act 1974.

 

Then in a small box it states - Financial details:- Amount of credit, Interest rate per month, Monthly repayments and the first monthly repayment is payabvle on.

 

In another box it states;- Cash price of payment protection plan, Interest rate per month and monthly repayments.

 

A little further down is my signatire and a signature on behalf of Black Horse.

 

On the second page is the terms and conditions.

 

I am assuming this is enforceable because of the above which if I am right are the prescribed terms and conditions.

 

Any help much appreciated.

 

Judi

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Can you scan and post the pages minus personal details please?


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Hi There

 

Unfortunately cannot post up as at work - just wanted to know if these were the prescribed terms and conditions which I think they are.

 

Anymore help would be greatly appreciated.

 

Judi

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