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What to do next? - Wescot

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My girlfriend has been being dogged by Wescot for an old debt. Recently they've really ramped up the letters (big red "important" banners etc) so we came here for advice and sent off a request for the CCA along with the postal order.

 

We received this letter back:

 

We refer to your recent letter requesting a copy of the credit agreement for the above account, pursuant to the Consumer Credit Act.

 

We are not the creditor for this account but instructed on behalf of the above client (arrow global ltd). In the circumstances, we are returning your postal order which was made payable to Wescot credit services as this needs to be made payable to Arrow Global LTD. You can either send your request direct to our client or resend it to us and we will then forward it to them.

 

In the meantime, you will need to make arrangements to pay the account. We shall place the account on hold for 14 days to enable you to agree a repayment arrangement, but if we do not hear from you, it will be returned to the collections team.

 

Not Really sure what to do from here. Are Wescot allowed to pursue the account and do we need to resend the CCA request to Arrow?

 

Or should this letter be taken as an admittance that they don't have the CCA?

 

Any advice would be great, thanks.

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Knowing Wesclott, they wont have any proof of the debt and just trying to fob you off.

The 14 day thing means nothing anyway. just another threatogram.

Report them to the OFT and trading standards if you wish.

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The CCA request goes to the people chasing the debt and they know it. Even the CSA state that if they cannot produce an agreement you can withhold payment.

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typical wessy crap

 

ignore them

 

and if its older than 6yrs ingore the next fleecers too

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks so much for the help guys. Really appreciate it.

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LOL, this is a new twist even by westcraps standards, wait 12+2 days then send the account in dispute letter


PGH7447

 

 

Getting There Slowly

---------

 

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

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Thanks again. Was searching the site for a template account in dispute letter and the only one i could find is the one in this post:

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2609436.html

 

Is that the right one to send?

Don't really want to put a foot wrong.

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the more letters you send

the more you'll get

 

ignore them.

 

dx

  • Haha 1

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks again for the advice guys.

 

Been ignoring them but they are now threatening to send a door step collection agent. I think I remember reading somewhere that we could send them a letter telling them to not knock on our door?

 

Or should we just continue to ignore them?

Also what should I do if someone does turn up?

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Just pront this off and keep it by the front door;

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-

 

And just to let you know exactly the type of outfit your dealing with have a read of this very very sad story, and treat them with the sheer contempt they deserve.

http://www.dailymail.co.uk/news/article-484772/Grandmother-terrorised-death-bank-wrongly-hounded-16-000.html

 

Don't send them anything, if they are foolish enough to send anyone round to "collect your doorstep" then shove that letter in their grubby paws, tell them to foxtrot oscar or you will call the Police, then slam the door in their melon head, if they say "go on then" or remain on your property, even sitting in a car watching your house, ring the Police 999, and state that their is someone on your property who won't leave when asked to do so, or is sat outside in a car watching your property, and you believe that they will cause a breach of the peace, then hang up.

 

Wetcloths are **** IMO, and should have had their licence removed a long time ago, for their part in the death of Beryl Brazier.


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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You could, if you wanted, if they keep on insisting they cannot answer the CCA request, send them this as a response to their letter with the same postal order:

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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I followed the advice in this thread. Sent them the letter then did nothing. It has now been passed on to a different company. Credit Security Limited.

 

I think they know they haven't got a leg to stand on and just try and scare you into paying. When that fails they pass it on.

 

Thanks again to the people that helped me in this thread, like mlord said, really are fantastic people :-D

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Oh dear...Westcr@p have breached another OFT guidline by passing on an account in dispute. Report them to TS, the OFT and the ICO! Not much point reporting then to the CSA but you really should cc them with your complaints.


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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