Wescot/Sainsburys

[tinyones]

I received a letter two weeks ago asking for me to clarify my address and name etc to Wescot

 

 

as advised I ignored the letter as I have posted on another thread about receiving.

 

 

I received today a letter for the money and was made aware they are collecting for sainsburys.

 

 

I will send CCA request today and wait and see.

 

 

Anyone had any dealings with sainsburys?

[dx100uk]

if you know nothing about the debt, then i'd not send anything

 

dx

[tinyones]

It was left when my husband left and I could no longer afford to repay

[Guest Cartaphilus]

It was left when my husband left and I could no longer afford to repay

 

Whose name was the account in? Yours or his?

[tinyones]

It was in my name. Stupid now I know coz he is scot free from it all and im left with all of this and the children which to me come first.

[Duffers Mum]

I've not had much luck with Sainsburys, apart from the fact they have supplied an application form and incorrect T&C's and dodgy Default Notices.....they've just flogged my account to Cabot after 3 years of reduced payments...now if they thought they had the correct documentation, like they said they did, i'm pretty sure they wouldn't have flogged the account off....Send off the CCA and post it up if/when they send you anything.

 

Good luck

[tinyones]

Thanks Duffers Mum yeh wait and see what I get back from them. As I left the account I wouldn't know if they have any of the correct documentation or not!

[tinyones]

I received a Letter today saying they acknowledge my letter for request for for CCA and my account has been placed on hold and they will be in touch in due course.

 

Does this look like they don't have a copy of my CCA??? Any ideas ?

[Bazooka Boo]

Just needto wait out and don't pay them anything unti they do provide an enforceable agreement.

[tinyones]

Any suggestions?

 

 

I got letter today from Sainsburys themselves saying they can't comply with my request for CCA

as I had wrote my married name on the letter and the account was in my maiden name.

 

 

Do i send a CCA to sainsburys themselves with the maiden name or back to wescot with my maiden name.

 

 

Does this seem like they have a CCA to show me or no one got an idea as to that?

 

 

 

Thanks

[dx100uk]

the fact of the matter is THEY KNOW WHO YOU ARE.

so why are they delaying!!

 

give you one guess

 

dx

[tinyones]

So basically leave it and see if Sainsburys write back to me about it?

[dx100uk]

can you give a brief date history of the debt please and last in/out etc

[Guest HeftyHippo]

it is quite amazing the ways they find to delay giving this info.

 

are teh statements etc in you maiden name, in what name do they usually write to you?

[tinyones]

It was from a good few years ago that i got the card,

 

 

I stopped paying it when my husband left in august 2008

 

 

sent few 1pound good will payments then moved away from the area where i lived to live with new partner

and still cudnt afford to pay so stopped paying.

 

 

I then got letter from wescot and sent the CCA (21st june) request

 

 

they replied saying will ask lender for it and

 

 

I then sent on monday the account in dispute letter to wescot and

 

 

then yesterday got the letter from sainsburys themselves saying they cud not comply with my request

as the name wasnt same on the account as what i had wrote on the letter requesting CCA

 

 

how many people live in my house with my first name!!!

[tinyones]

I havent had statements to this address.

 

 

I did when i got married ring up and sent them the info as i was still paying at the time

but clearly it was ignored and after a few phone calls costing me i gave up

and continued to pay it in my maiden name.

 

 

The letter that arrived from Wescot was in my maiden name

but assuming they arent stupid and the 1st name was same they wud know it was me!!!

 

 

just didnt know if to leave it to see if they write back or if they need the CCA

and dispute letter in my Maiden name with a note saying i changed my name.

 

 

BUT surely if they have the documentation they would be happy to send it to me so i have to pay up!!?

[dx100uk]

until you see a valid cca i'd pay nowt

let them fruke around with names etc

 

if they want paying then they can work it out..

 

they've had their 15mins of your time

 

dx

 

ps and whatever you do

NEVER sign any letters you send them

[tinyones]

thanks i will wait and see if and when something else comes in post. they know its me so why mess around using name thing as reason not to send it!

[Bazooka Boo]

Because they know full well that they have absolutely diddly to legally enforce this through the courts...

[tinyones]

so thats why they have likely said what they have!

 

 

Did think maybe that was case but wasnt sure if it was that because I had to send CCA in my maiden name for it to be lawfully correct

Edited July 16, 2010 by tinyones
Hit button before fin typing

[tinyones]

Finally got another letter today from them and

 

 

ohhh thought they couldn't go ahead with it coz my name was different!!

 

 

the letter says that they have requested the agreement from Sainsburys

 

 

so will let me know when they get the details of it through.

 

 

Why doesn't wescott get this when they buy it from sainsburys

 

 

or is it likely there isnt a cca to be had?

[Bazooka Boo]

Because they have'nt bought it, they will be acting as the gophers and doing the dirty work for their client.

[tinyones]

ok thanks. So it is likely that Sainsburys have the CCA and will send it via wescot

[Bazooka Boo]

Yes that is the way it normally works, wetcloths receive the CCA request, they in turn pass it on to their 'clients' who then source the agreement and send it to you, either way the timescale still applies, 12 'working' days from receipt of your request.

 

On wetcloths missives does it state that they are acting on behalf of their 'clients'?

[tinyones]

It states on the letter that even after the 12 days they can still enforce it

but it was the end of June when I sent off for the cca and

 

 

firstly got the letter saying they couldn't deal with it as my married name was on the letter

and not my maiden name which the account was in

 

 

so i sat and waited to see what came of it and got this letter saying they have asked lender for cca