wescot chasing HBOS debt- sent CCA now CAS offering huge discount? now 1st credit too!!

[delta1956]

Hello I have requested cca and got a one page photo copy of application request .The credit company has now also asked for full payment of the loan.

The time limit of there communication was over a month and I believe the statutory right limits them to 12 days.

 

I have also been paying this company for two different debts and they have two different addresses for the same company.

I have now copy and pasted a template from this great website but am worried I am taking on too much with out having much law experience.

 

Have I the same rights to a CCA if I have been paying the debt company's.

 

Any advice will be very greatly apapreciated also will hold on sending the second letter for a couple of days to hear if i get any advice to the contrary.

Kindest regards Delta 1956:confused:

[maroondevo52]

Hi, Delta.

 

Which Bank is it, I'll move this thread to their Forum.

 

Regards.

 

Scott.

[sam614]

hi. you can request your cca at any time.

 

what is the second letter that you are going to send?

 

who is it,and why 2 addresses?

 

SAM:pLOWELL DETESTER

[delta1956]

Hi, Delta.

 

Which Bank is it, I'll move this thread to their Forum.

 

Regards.

 

Scott.

Hi ,The Bank of Scotland.

[maroondevo52]

Sound, I'll move this thread there

 

EDIT: Thread moved, if you could answer sam614's questions, we should be able to move on.

 

Regards.

 

Scott.

[delta1956]

hi. you can request your cca at any time.

 

what is the second letter that you are going to send?

 

who is it,and why 2 addresses?

 

SAM:pLOWELL DETESTER

Hello ,the second letter is a reply to their's, supplying a copy of a request for the application. A template from this site also telling them they have failed to supply correct document and that they are committing an offence etc.

I have two credit cards owing hence to the two addresses.

Thank you for such quick responses.

Kind regards Delta

Edited July 6, 2009 by delta1956
typing errors

[maroondevo52]

Hi, Delta.

 

Is it two Credit Cards your looking to CCA ?

 

Regards.

 

Scott.

[delta1956]

Hi, Delta.

 

Is it two Credit Cards your looking to CCA ?

 

Regards.

 

Scott.

Hi Scott just trying the one at the moment as I am a scared to rock the boat.I am paying low monthly payments at the moment but after my first request CSL have requested the full amount but I don't think they are aware I am also paying them monthly as they also offered me a opportunity to telephone and make arrangements to pay subject to them maybe taking up the offer of monthly payments. Regards Delta

[kurvaface]

CSL are a bunch of cheeky monkeys and as DCAs go they are as devious as they come.

 

Caution Do not trust or believe a word they say.

 

Don't phone them unless you are recording the call. Insist on everything in writing only.

[delta1956]

Thank you for the advice gr8ly appreciated.I am in unknown territory with all this and its seem like a mine field.

Thanks again. Delta

[delta1956]

Hello, How can I find you again to update you and view BOS .Sounding stupid again. I haven't heard back from Westcot /CSL yet but they have been calling my mobile number regularly. I have not answered any of them.

Look forward to hearing from you.Kind regards Delta

[maroondevo52]

Hi, Delta.

 

Put any updates on this thread, anyone helping you will be informed

 

Regards.

 

Scott.

[delta1956]

Hi again thank you will be in touch.kindest regards Delta

[delta1956]

Hello,i asked for cca from a credit company ,they failed to supply and they have sold my debt on to another company who are trying to get payment.Any advice as to how to progress with this new agency would be greatly appreciated.

Kind regards delta

[Bazooka Boo]

Who was the Original account with? Who did you CCA?

Who have they 'sold' it to?

Who is now asking you for money?

[DonkeyB]

More info please! First stage will be the 'bemused' letter as to why a disputed debt has been passed to another party.

[MARTIN3030]

Could it be this one ?

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/207828-consumer-credit-agreement.html

[delta1956]

Hello HBOS original,westcot was original creditior I cca and new creditior is CAS credit ancillary services. I received a letter stating they are new agents and offering a settlemnt if I telephone them with in three days of receiving this letter. Kind regards Delta1956

[MARTIN3030]

Ha Ha...yes a standard tac-but its usually within 7 days so they must be getting desperate.

Dont you mean Hbos was OC and Wescot were collecting for them ?

So you sent the CCA to who ? hbos or Wescot ?

Are you sure the account has been sold ?

Have you seen any notice of assignment ?

[delta1956]

Hello martin 3030 I sent a cca to westcot and HBOS was OC and yes westcot were collecting for them.I am not sure he account has been sold only that CAS are new agency or new name to me. Kind regrds delta1956

[MARTIN3030]

Yes these are part of Equidebt-read this;

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/178980-credit-ancillary-services-equidebt.html

 

Also members of the CSA;

 

Credit Ancillary Services Ltd t/a ECI

 

Services: Consumer Debt Collection, Business to Business Debt Collection, Court Action, Status Enquiries / Company Searches, International Collections, Debt Purchase, Outsourcing, Liquidation Book Debt Recovery, Tracing, Utility Debt Collection, Other

Contact: Mr I Sutehall

Email: [email protected]

Website: www.ecidebt.co.uk

Telephone: 020 8296 0500

Address: 67-69 Maple Road, , Surbiton, KT6 4AG

 

As are Wescot;

 

Wescot Credit Services Ltd

 

Services: Consumer Debt Collection, Court Action, Repossessions, Card Recovery, Debt Purchase, Tracing

Contact: Ms S De Tute

Email: [email protected]

Website:

Telephone: 0141 300 5300

Address: Midland House, 64 Oswald Street, Glasgow, G1 4PL

 

The CSA strives to promote some good practices according to their website;

 

 

Codes & Standards

 

The CSA works for the benefit of those companies active in relation to unpaid credit accounts; debt recovery, tracing and allied professional services. As part of its function the CSA aims to promote best practice throughout the industry. The CSA has developed its Code of Practice which all members must adhere to.

This code is now the benchmark for Best Practice in the industry, assuring quality and professionalism in the services members provide.

Members should:

 

• Conduct business lawfully
  
• Conduct dealings with debtors in a fair and reasonable manner
  
• Maintain a high standard of business practice
  
• Compete in a fair and reasonable manner
  
• Ensure all staff are provided with adequate training
  
• Not discriminate
  
• Protect the reputation of clients
  
• Remit monies collected regularly to clients
  
• Not knowingly misrepresent qualifications, experience and abilities
  
• Handle debt cases in a fair and reasonable manner
  

 

 

Hmn .............looks like Wescot and CAS are excluded ????

 

If CAS OR WESCOT had been assigned the account,then they should have had the account documentation to go with it.

I suggest writing to CAS AND Wescot reminding them of their obligations under their affiliated CSA codes of practices and also under OFT working guidelines-specifically 2003 final guidance on debt collection unfair business practices.

I would demand that CAS either supply your agreement or else pass the account back.

Request copies of complaints procedures from both.

Keep copies of letters and send recorded.

Give them 14 days to provide you with an undertaking that collection activity will cease and that they will send you the complaints forms as per FSA guidance.

[stressed mum!]

subbing

[exasperated]

Hi delta,

Any reply to your CCA request?

Exasp

[delta1956]

Hello Ex,

They replied and said they have conformed by sending information about cca but not my original agreement with my signature on it.They want to know what law I intend to use to get them back to court and as it was decided by a judge last year.I basically don't have any grounds to pursue this>>>Is this true???. Regards Delta

[exasperated]

Hi Delta,

What was decided by a judge last year? I have reread your thread and cant see anywhere what you are referring to.

If you read back through your own thread and answer what the guys/girls have asked and as Scotts subscribing, you will get the help you need

I will always try to help you where I can

Post back when convenient but as soon as poss

Ex