can Wescot do this

[fairrosamund]

just been sent a final notice for £730.00 i owe on a abbey account , under what i owe them they are saying estimated court fees and costs £135.00.

also i have had a statment from abbey stating my balance which is £730.00 now the snag is that when i rang Abbey to arrange a standing order they said the debt as been sold to wescot , what should i do thanks for any help.

[BankFodder]

Is any of this comprised of charges? If it is then claim them back from Abbey and tell Wescott that they have been scammed by Abbey as they have been sold another charges related debt.

 

The rule about debts which are sold on is that they can sell on the rights but not the liabilities. This means that if you are owed any money by Abbey, then you get it from them. If Wescott sue you then you defend on the issue of charge.

[fairrosamund]

no Abbey don't owe me any charges basically i tried to set up a standing order to Abbey to pay off the money i owe , now they said i will have to pay wescot which i am not happy about , Abbey said the account is with wescot .

[Pinky69]

What kind of debt is it? Loan, crdit card, overdraft?

[SL8R]

you should ahve also recieved a correctly served Default Notice, and Notice of Assignment.

 

What did you recieve regarding this matter ?

[fairrosamund]

you should ahve also recieved a correctly served Default Notice, and Notice of Assignment.

 

What did you recieve regarding this matter ?

 

 

i received a final notice from wescot stating if i don't pay the £730.00 within the next 14 days the following action may be taken.

 

instruct a door step collector to visit my property to collect payment: or issue cort action for payment of outstanding balance plus statutory legal expenses.

 

if court action is taken your debt could increase :

 

outstanding balance £730.00

 

estmated legal costs £ 130.00

[mr.ton]

No clown from Westcot will turn up, they'll have no powers & can simply be told to go away.

[sillygirl1]

Usual Westcot drivel, I love the way these companies get everything in the 'wrong order'. Statutory legal expenses - thats a laughable one!

 

I would write back with the following.

 

Please can I have a final statement showing how the amount of £730.00 was arrived at so I can check my records.

 

Please note that court costs cannot be added to a debt until it has been to court, any attempt to inflate the alleged sum owed by this means constitutes a fraud and I am sure your company would not want to be involved with the Fraud Squad.

[dx100uk]

how old is this debt, when was the last financial transaction by you?

but anyhow, as advised, usual crap from a dca....

 

ignore them, they have NO LEGAL POWERS

 

dx

 

dx

[fairrosamund]

i keep getting phone calls and i ignore them just let it ring off, i sent a letter regars sending someone ect , so what do i do next ..

[fairrosamund]

how old is this debt, when was the last financial transaction by you?

but anyhow, as advised, usual crap from a dca....

 

ignore them, they have NO LEGAL POWERS

 

dx

 

dx

the debt is 3 years old but i was paying it off then stopped , then abbey sold it to wescot they do ring and dont answear 01482 483281 i just ignore it ..

[The GodMother]

That is wescots number if you want to answer it tell them all calls are recorded as you are sick and tired of getting calls for the previous owners of the telephone number. My favorite tricks also include using a whistle down the phone or some like was on Mrs Doubtfire.

[fairrosamund]

That is wescots number if you want to answer it tell them all calls are recorded as you are sick and tired of getting calls for the previous owners of the telephone number. My favorite tricks also include using a whistle down the phone or some like was on Mrs Doubtfire.

 

 

just hope they ring tomorrow , i will say can u ring back as i'm on a train and we are just entering a tunnel .

 

or the bath is running ring later..

 

 

just one thing what happens if i ignore them do they sell the debt on ??

[The GodMother]

they can either send it back or sell it on but you know what to do from there on in.

[fairrosamund]

they can either send it back or sell it on but you know what to do from there on in.

 

and what do i do i prefer to pay Abbey back the money not some dca ..

[The GodMother]

then what you need to do is write a cheque or get a postal order and send it to them each week month or whatever in the covering letter put the account number etc.

[comat]

Know the Law! Its on your Side!!! Have you noticed on your paperwork from them it says Your ouststanding balance is. Nowhere does it say Bill/ invoice...

Thats because payment is optional by Law!!! If some one sends you a bill then its lawfull for you to pay it. A demand for money of this type is a Legal fiction!!! Its in Blacks Law dictionary!!!

By law they cannot send you a bill!! therefore you are not bound to pay it!!! They are hoping you dont know the law and will mistake the demand for a bill!!!

People kill themselves over things like this. All because the debt advice people are gaged and cannot tell you this. its said to give the consumer an unfair advantage.

Been there done it come out the other side a different person!!! One who now knows...

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Edited February 20, 2010 by maroondevo52
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