Me & My Debts & Various CCA REquest

[harrassed senior]

Do you mean that you are in receipt of Court Papers and you need a 'legal' defence, or is it just the standard 'threat' letters? We will need a bit more information please.

[Bazooka Boo]

Which DCA is it?

What bank is it?

Roughly how much is it?

How long ago was the OD taken out?

How long since you defaulted on it?

Are there any charges on the OD?

[monkquito]

Reply to my first reply is that it is a red threatening letter, nothing further at present.

 

To the second reply:

 

Which DCA is it?

Westcot

 

What bank is it?

Lloyds TSB

 

Roughly how much is it?

About £3k

 

How long ago was the OD taken out?

Started about 2005 - account closed about 2009.

 

How long since you defaulted on it?

Defaulted probably about 2 - 2.5 years ago.

 

Are there any charges on the OD?

Only up to when the account was closed about 2 - 2.5 years ago.

[DonkeyB]

Have you a dispute about the debt?

[Bazooka Boo]

Reply to my first reply is that it is a red threatening letter, nothing further at present.

 

To the second reply:

 

Which DCA is it?

Westcot Ha ha ha, wetcloths!

 

What bank is it?

Lloyds TSB Start their complaints procedure.

 

Roughly how much is it?

About £3k

 

How long ago was the OD taken out?

Started about 2005 - account closed about 2009.

 

How long since you defaulted on it?

Defaulted probably about 2 - 2.5 years ago.

 

Are there any charges on the OD?

Only up to when the account was closed about 2 - 2.5 years ago.

Start reclaiming the charges back.

 

Don't be concerned by Wetcloths, they cannot do anything, except spout off untruths and empty threats.

[monkquito]

Hello,

 

I have an debt which I wrote to an old Debt Collector notifying them that the account is in dispute back in 2009. The account is till in dispute.

 

Wescot have now written to me regarding this debt, and I have informed them that the account is in dispute.

 

They have ignored this and are threatening to come and collect possessions from my property.

 

Any suggestions?

 

Thanks,

M

[BRIGADIER2JCS]

Hello,

 

I have an debt which I wrote to an old Debt Collector notifying them that the account is in dispute back in 2009. The account is till in dispute.

 

Wescot have now written to me regarding this debt, and I have informed them that the account is in dispute.

 

They have ignored this and are threatening to come and collect possessions from my property.

 

Any suggestions?

 

Thanks,

M

 

Hi, The statement regarding collecting goods is nonsense

unless they have made a county court claim and achieved

a judgement against you and you have failed to comply

with the judgement bailiffs cannot act.

 

Can you scan and post up th letter after removing personal

detiails please.

 

Does this debt show on your credit reference files?

When was the last payment or acknowledgent in writting

made? (the CCA?dispute does not count).

[dx100uk]

i doubt it says that

 

is it a thereat-o-gram

 

if,might,could,possibly,instructed

 

not will do anythng.

 

what does your cra file say about this debt?

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

 

dx

[monkquito]

Thanks for the advice so far guys

I'll get the letters posted this evenings as edited PDFs.

 

Last payment was made back in early 2008 but there have been dispute letters between collectors only since.

[dx100uk]

what letters

 

you keep playing letter tennis

 

they'll keep thinking you are a mug waiting to be fleeced.

 

dx

[BRIGADIER2JCS]

:-DThe letter we have asked to see

[monkquito]

Please find letters attached.

letter2.pdf

letter1.pdf

[BRIGADIER2JCS]

Standard threatograms,

Send the following to The compliance manager

at Westcott.

 

Ref: xxxxxxxxxxxxxxxx

 

Dear Sir or Madam,

 

I refer to your threatening letters date xxx and xxxx the contents of which have

been noted, please take note I do not acknowledge any debt to Westcott or any

company you may claim to represent.

 

I have previously corresponded with other agencies which have all failed to prove that

I have any liability for the alleged debt which has been formally in dispute since xx xx xxxx

and this matter remains still in dispute.

 

Take note I am fully aware od the OFT Guidance 2003/2011 and I feel that your company

is in breach of these in a number of ways.

 

Until you can produce irrefutable proof that I have any liability for the alleged debt no further

correspondence can be entered into.

 

Send this recorded delivery and track receipt.

[citizenB]

Hmm.. "Doorstep Collection".. Why would they want your doorstep ?? sorry.. my little joke.

 

These letters are designed to be intimidating in order to obtain a knee jerk reaction in that you .. telephone them.. The telephone is the weapon of choice for Debt Collectors. They say on the phone what they wouldnt dream of putting in a letter.

 

They are also threatening you with Nelson Guest.. who is a solicitor for rent.. he sends out letters and issues claims. However, if the "debtor" defends, then Wescott take over the litigation.

 

Questions..

 

What is the dispute you have with the original creditor and for how much is their claim ?

[dx100uk]

They have ignored this and are threatening to come and collect possessions from my property.

 

right so now you've actually read the letter properly

 

you'll see the above is not true.

 

 

is this debt showing on your CRA file?

 

dx

[monkquito]

Thanks for the letter and everyone's help and advice.

M

[Stigman]

In the unlikely event that someone does turn up (rare but has been known).

 

Tell them to leave your property immediately or you will call the police and the police will remove them for you, they are not bailiffs, have no legal powers and are just self employed on a commission only basis.

 

They will leave saying CCJ this, Bailiffs that but only because they have wasted fuel for no commission

 

Stigman

[monkquito]

Hi,

 

I'm being chased for a debt of about £8k which I can't pay due to pay off HMRC debts.

 

What are the chances of entering an agreement of pay £1 to £10 a month to keep the dogs from my door whilst I can get myself into a better position to deal with the debt?

 

Regards,

 

M

Edited July 24, 2012 by Conniff

[Conniff]

Welcome. Do you mean 'can't pay' where you say "I can pay" ?

 

Are you being chased by a debt collecting agency or a company ?

[monkquito]

Apologies, I do mean can't pay and I am being chased by a debt collecting agency .

 

Regards,

M

[Conniff]

Ok, I thought that's what it was meant to be, have changed it.

 

The bad news is that agreements are all one sided, the good news is that the one side is you.

 

You don't ask them what they will accept, you know what you can afford and you tell them what that figure is and that you will review it should your circumstances change.

 

Don't make payment with a direcet debit card but either by standing order or cheque.

 

Who is the creditor ?

[renegadeimp]

HMRC take priority. DCA's can take a running jump unless they want to end up in front of HMRC.

[Wintry]

Hi,

 

I'm being chased for a debt of about £8k which I can't pay due to pay off HMRC debts.

 

What are the chances of entering an agreement of pay £1 to £10 a month to keep the dogs from my door whilst I can get myself into a better position to deal with the debt?

 

Regards,

 

M

 

Hi monkquito

 

Have a look below - may help - may be able to utilise with the offers etc

 

You can log in without an invite or adviser and away you go - all details are saved online

 

http://mymoney.nedcab.org.uk/moneyadvice/

 

http://mymoney.nedcab.org.uk/moneyadvice/dmptour.asp (example completed DMP)

 

This CAB system is working for a growing number of people but to be sure with any overall debt situation (and given that you have only provided limited information) it is always best to seek full independent advice on all options etc.

[monkquito]

Thanks for all the replies.

 

The DCA is Wescot.

 

As one of you put, I'd rather pay them something even if it is a token about until my circumstances change.

 

Basically I want to get myself out of debt and asap, but want to do it my way.

 

Regards,

 

M

[monkquito]

Hi,

 

This morning I have received a letter from Wescot saying that 'that the client wishes to receive information with regard to my dispute'.

 

In my opinion,

 

1. The client should already know what the dispute is.

 

2. As the dispute has been raised with another DCA, what right do Wescot have to see the dispute? I believe they have none.

 

3. Any previous communications I have sent should be held by the 'client' and if such that the client has lost these correspondence from me would breach the Data Protection Act.

 

Has anyone got advice to offer me in this situation? Would Wescot be breaching OFT guidelines by gaining access to information on a dispute held with another DCA?

 

Many thanks in advance,

M