What to do next? - Wescot

[Kata79]

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.

[smith_j]

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.

[count orlok]

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.

[dx100uk]

typical wessy crap

 

ignore them

 

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

 

dx

[Kata79]

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

[PGH7447]

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

[Kata79]

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.

[dx100uk]

the more letters you send

the more you'll get

 

ignore them.

 

dx

[Kata79]

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?

[Bazooka Boo]

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.

[harrassed senior]

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.

[Kata79]

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

[babybear39]

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.

[Bazooka Boo]

http://www.consumerdirect.gov.uk/contact OFT&TS

 

http://www.ico.gov.uk/