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      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
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      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
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      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
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wescot asking for previous addresses


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I have recently checked my equifax credit report only to find it had been searched by Wescot credit services and marked outstanding debt on 2 occasions in 2008 which is having a negative effect as it is showing to lenders.

I wrote a letter to Wescot explaining i no nothing of the alledged debt gave them the dates that they had searched my file and also sent them a cca request .

I have today recieved a letter from them which says they can not locate any information on there system and that i need to supply details of previous addresses for them to investigate further.

They didnt run the searches at my current address it was my previous but sureley they should be able to find this out on there system.

Would it be wise to supply them my previous addresses as i dont even no what the debt is for.

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NO!

Tell them they MUST remove the adverse and incorrect data from your file immediately and you will be making a formal complaint to the ICO and seeking legal redress against Westcot.

 

If they don't remove the info, then you need to seek proper legal advice with a view to suing them, the damages they will have to pay currently stands at £1000 per incorrect entry.

 

So get complaining, it is not for you to do their dirty work, if they feel they can add adverse data to your file without the correct evidence then we need to start making them pay for it.

 

If you give them your previous addresses, they will shoehorn a debt tailored to you specifically.

So DONT!

 

Complaints - Privacy & electronic communication - ICO

 

Consumer Direct

The latter will automatically pass your complaint onto the OFT and TS in your area aswell as Westcot's.

 

It is also worth making a formal complaint to equifax, about a bunch of reprobates putting adverse incorrect data on your file without your knowledge..

 

Boo;)

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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I thought they were in the wrong for asking me for more information. Im going to send them the following back. Do you think this will be sufficient or do i need to be more harsh?

 

Dear Mrs J Munro

 

Regarding the recent letter I received from you regarding Wescots unauthorised searches on my credit file. I have no intention on providing you with my previous addresses or any more information on myself. Wescot have searched my file without my permission and this should be on your records from the dates and information i have given.

If you cannot provide me with proof or legal reason to search my file i shall be seeking legal advise and also making an official complaint to both Equifax and the Information Commissioners Office.

 

 

Yours faithfully

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Try this

 

Dear Mrs J Munro

 

Regarding the recent letter I received from you regarding Wescots unauthorised and unlawful searches on my credit file, resulting in adverse information being displayed by your company. Take Note I have no intention on providing you with my previous addresses or any more information on myself.

 

Wescot have searched my file without my permission and obvioulsy without verifing any data, and your system it seems in unable to verify this sad state of affairs.

 

If you cannot provide me with proof or legal reason to search my file within 7 days of reciept of this Recorded letter, then I shall be seeking legal advise for recompense to the adverse data your company has unlawfully entered on my credit file with the credit references agancies.

 

I am also making an official complaint to both Equifax and the Information Commissioners Office over the outrageous behaviour of your company.

 

If you do not understand the contents of this letter then I strongly suggest you seek legal advice.

 

 

Yours faithfully

 

here ya go:D

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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and you could add Valid even if not read by you

 

hahahahahaaa

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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remember to spell check:D

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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