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Nelson Guest/Wescot/LTSB.........help please!

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Hi everyone

 

OH has a loan with LTSB which he paid regularly for over 3 years before ill health caused him to change employment which resulted in a drop in income. Despite soldiering on for a while and despite our best efforts, he was then unable to keep up any type of repayments and the balance today stands at almost the same as he borrowed!

 

At that point I discovered Cag and CCA'd LTSB. The agreement which came back was, according to those on the site who took a look - enforceable. As he had been mis-sold PPI we reclaimed that and only recently this complaint has been concluded to our satisfaction.

 

In the meantime the account (with a fairly large - well over £5k - balance) has been passed around various DCAs - Robbers Way, Apex, AIC and most recently Wescot. Until recently I have successfully kept them at bay by means of the unresolved PPI dispute.

 

Today a letter arrived from Nelson Guest Sols saying that Wescot acting on behalf of LTSB are prepared to offer a 70% reduction to clear the account and avoid further action.

 

This is the first time any reduction has been offered on this account.

 

As it happens we are getting close to making a F&F offer although we had recently SAR'd the loan account in an attempt to clarify if it had been sold - a general SAR to Lloyds had proved inconclusive.

 

Trouble is their letter dates from a week ago - yet only arrived today - and the 'offer' expires on Sunday :x

 

I realise they probably just want OH to call them - which he would not do - and obviously we would need to get everything in writing re: credit file marked 'fully satisfied' adverse data removed from CRAs, balance not to be sold on etc etc, but I would really like to get shot of this one and it seems too good an opportunity to miss.........

 

I would greatly appreciate any views on how to proceed with this please!

 

Many thanks,

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Bump..............


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Them offering a discounted settlement amount is always a good sign.

 

It if were me, I would write an acknowledgement of their letter/offer, telling them of the delay in postal service.

 

I would request an extension in your time to 'consider' their offer, and confirm that you will respond by, say, next Friday.

 

That will give you a chance to put together your F & F acceptance letter with all the terms you require in writing.

  • Haha 1

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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Them offering a discounted settlement amount is always a good sign.

 

It if were me, I would write an acknowledgement of their letter/offer, telling them of the delay in postal service.

 

I would request an extension in your time to 'consider' their offer, and confirm that you will respond by, say, next Friday.

 

That will give you a chance to put together your F & F acceptance letter with all the terms you require in writing.

 

Hi harassed senior,

 

Thanks so much for your helpful response!

 

I will do as you suggest and send my acknowledgement requesting a further period (say to next Friday as you suggest) to consider their offer. I will send this via special delivery so they get it on Monday morning.

 

Will report back letting you know how I get on :-)

 

Thanks again,

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi landy_alert ,I think it it just another standard letter from Wescot ( Nelson Guest) to get you to contact them, I may be wrong so will be keeping a eye on your thread hoping that they will give you a F & F ,

good luck Sleepingdog

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Hi landy_alert ,I think it it just another standard letter from Wescot ( Nelson Guest) to get you to contact them, I may be wrong so will be keeping a eye on your thread hoping that they will give you a F & F ,

good luck Sleepingdog

 

Hi Sleepingdog,

 

Thank you for replying! Yes, that thought did occur to me - that it is just a way to lure you to call them with big discount offers..........but anyway I've given them the benefit of the doubt (for now anyway!) and done as harassed senior suggested. Will just have to wait and see how they respond - hopefully a good low F&F will be the outcome of this - will keep you all updated!

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi landy_alert ,I think it it just another standard letter from Wescot ( Nelson Guest) to get you to contact them, I may be wrong so will be keeping a eye on your thread hoping that they will give you a F & F ,

good luck Sleepingdog

 

Well, it now being over two weeks since Nelson Guest received my second letter regarding their 'offer' and with no response/acknowledgment received, I am beginning to think Sleepingdog was correct in their suggestion that this was merely another lure to prompt me (OH) to call them.

 

That said, I did read on another thread that in a similar situation it was some 3-4 weeks before the DCA bothered to respond and that in that particular case a favourable F&F was the eventual outcome, so I won't give up just yet!

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi everyone,

 

The latest letter has arrived in this saga - from Wescot referring to my 'complaint' which they say they're looking into. So, no reference to F&Fs, no response from 'Nelson Guest' and god knows what 'complaint' they're referring to............looks like Sleepingdog was definitely right and they never had any intention of accepting the F&F that they offered :mad2:

 

I'm now going to go down the route of token payments..........at which rate it will take decades to clear, but tough titty!

 

Landy x

Edited by landy_alert
altered layout

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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£1 a month it is then...:drum:


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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£1 a month it is then...:drum:

 

That's right BB - but it's their choice :violin:


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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How long since you have made a payment on this, don't forget each payment re-sets the SB clock.


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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How long since you have made a payment on this, don't forget each payment re-sets the SB clock.

 

Hi Harassed Senior,

 

Last payment made was in early 2009, but the last payment that cleared was in Feb 2008...........so quite a while till it will be SB :sad:

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi everyone,

 

I'm looking for some more advice on this please!

 

Having now sent seven letters to Wescot/Nelson Guest regarding this the only reply I've received has been to say they are looking into the matter I raised. I've written to LTSB Collections but no response from that quarter....................

 

I really wish to get this resolved and as they were the ones to mention F&Fs originally (whether as a ploy or not) I think they could at least have the courtesy to respond.

 

All my letters have been signed for on receipt.

 

Does anyone have any ideas how I can get them to engage in a meaningful (written obviously) discussion over this please?

 

Many thanks,

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Nelson Guest are 'solicitors for Rent', the rent their name out to chase debts.

 

I would now write back to both parties in the following manner, keep it short and sweet and they won't know what to answer back with legally!

 

"Dear deluded creditor/DCA"

 

To prevent further protracted correspondence I now consider this matter closed. Neither of you have provided any creditable evidence to take me to court to enforce this and due to my worsening financial situation I wish to make a full and final payment of £50 (they will have bought the debt for far less.... you can change this sum to a reasonable one). I enclose a cheque for this amount, by cashing the cheque you will NOT pass any perceived remaining sum to any other in-house team or third party company and will cease processing the information to all relevant authorities, inluding specifically Equifax, Experian and Callcredit, where you will record this as settled."

 

Yours sincerely.

 

Don't sign it with your normal signature.

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Nelson Guest are 'solicitors for Rent', the rent their name out to chase debts.

 

I would now write back to both parties in the following manner, keep it short and sweet and they won't know what to answer back with legally!

 

"Dear deluded creditor/DCA"

 

To prevent further protracted correspondence I now consider this matter closed. Neither of you have provided any creditable evidence to take me to court to enforce this and due to my worsening financial situation I wish to make a full and final payment of £50 (they will have bought the debt for far less.... you can change this sum to a reasonable one). I enclose a cheque for this amount, by cashing the cheque you will NOT pass any perceived remaining sum to any other in-house team or third party company and will cease processing the information to all relevant authorities, inluding specifically Equifax, Experian and Callcredit, where you will record this as settled."

 

Yours sincerely.

 

Don't sign it with your normal signature.

 

Hi SG,

 

Thanks very much for your response :-D I would dearly love to do as you suggest, but would it really be likely that this would be the end of the matter? Despite a SAR I'm still not certain who owns this debt - there was nothing in it to suggest it had been sold to Wescot so I'm really still none the wiser. LTSB are notoriously difficult to deal with and I can't believe they'll just let this drop. I was perfectly prepared to pay them around 75% of the balance with the help of a family member, but they just don't seem interested..........

 

Landy x


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Just a shameless bump to see if anyone else can offer any further ideas on how to tackle this please...............:razz:


LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Nelson Guest are 'solicitors for Rent', the rent their name out to chase debts.

 

I would now write back to both parties in the following manner, keep it short and sweet and they won't know what to answer back with legally!

 

"Dear deluded creditor/DCA"

 

To prevent further protracted correspondence I now consider this matter closed. Neither of you have provided any creditable evidence to take me to court to enforce this and due to my worsening financial situation I wish to make a full and final payment of £50 (they will have bought the debt for far less.... you can change this sum to a reasonable one). I enclose a cheque for this amount, by cashing the cheque you will NOT pass any perceived remaining sum to any other in-house team or third party company and will cease processing the information to all relevant authorities, inluding specifically Equifax, Experian and Callcredit, where you will record this as settled."

 

Yours sincerely.

 

Don't sign it with your normal signature.

 

I have also recieved a Nelson Guest letter and must say mine was dated 25 Nov and recieved 4 December. Do they always send them out with wrong date on so that you ring them in a panic?! I never rand them. Instead turning to you guys and did my research. These people really are the lowest of the low. Its all on offical looking Nelson Guest letterhead but right at the bottom it reads "Calls to Westcott may be monitord or recorded in orderr to improve their standard service" in tiny writing.

 

I use to be a Clark in a Solictors (few years back now) and our letterhead only had our infomation on, never a Third Party. And my letter from this Nelson Geezer is not signed (also a big no, no from a solicitor) and they always have a contact name and email address on solicitors letters to.

 

Surely this is fraud of some kind?

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Make a formal complaint to the OFT&TS via http://www.consumerdirect.gov.uk/contact

 

And to these also: http://www.legalombudsman.org.uk/


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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