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    • This is what I do not understand It was for a data sim card where EE took £20 in advance for 20gb of data each month on a month by month rolling contract and once I had used the data it would switch off so impossible to use any more than I had already paid for. If I wanted to carry on using it i would have to log on and pay another £20.   I used the service for a few months and then did not renew the contract and heard no more    My bank account was used for ID purposes only and was my main bank account with all my wages and d/d and held for 7 years plus, no insurance was taken out and no other accounts opened.   This is my point EE have listed this and has no connected with the data they have entered        
    • I am aware of this treatment. Field Debt Solutions approached me at my door claiming to have a warrant of entry, (one of many lies they used) they KNEW I was classed as vulnerable prior to the visit. This was (later found out by The Ombudsman) allegedly to install a pre payment meter (They know I can not use one). Long story short: I was threatened with criminal damage, the police and them not moving till I let them in. They stated they had a warrant, they did not. One FDS employee was waving a crowbar and smiling, the other was basically terrorising me through the window. I complained to EON and all that they did was lie further, covered up their behaviours After contacting the OMBUDSMAN all the truth came out. I am totally disgusted with the way this company operate. I am equally disgusted that the Ombudsman ere not taking any of the FDS Employees behaviours into account (yet all my claims were upheld) this feels like this section of the whole process is left wide open and that's why this is happening imho. The Ombudsman made me feel like they work for EON, (when it came to the consideration of the employees from FDS, they seemed immune to scrutiny) a very confusing and shocking experience when the penny drooped. I have looked at CISA (?) whom are some sort of organisation who debt collection agencies register with (no idea what for) anyway, FDS are not registered, I can not find them anywhere, they are like some sort of enigma and this is where i am thinking how they are protecting themselves from scrutiny and people gaining remedy from them. I also witnessed a EON employee telling me that "FDS do not have to answer anyone," they would not give me any way of complaining directly to them as is the Gov's advice before A Small Claims Tract. I am just making sure now that I record all my efforts to do what I can to give a chance for FDS to attempt to put right what they did to me. I have witnesses and I intend to take them to court. EON has damned them and all the info they provided shows how messed up and disgusting they are, I seriously have witnessed staff laughing at me on the phone when I am trying to tell them what happened. I t seems if you do not pay a bill (in my case this was out of my hands) Then your deserving of what seems to me an inside laugh as the know how we (the vulnerable) get treated when FDS turn up, yes, very much felt this and challenged one employee once.. I have spoken to a Solicitor and they are happy  to do something for me over this. Also the police were phoned by myself even though they threatened me with police "To Help Them Take My DOOR OF ITS HINGES" The police did turn up, they told me that they rarely ever turn up for these idiots as the FDS and others attempt to use the police through bull crapping them. They also said go through a few hoops and if your not happy come back to them, I have a mobile number as they said that a crime number would come after I have exhausted the other moves. They do not like these Debt People one bit, that was comforting. Sorry if this is a little all over but it was all over complexed (I can see why now) but  just wanted to share my experiences and I will be happy to share further if anyone needs to know. I am still wondering what to do but one thing is for sure, I will not be going away, EVER! good luck
    • what does it say if the claimant fails please?
    • Thanks for the feedback.  We have a professional surveyor friend who is willing to give an opinion, and once done as you say, there's no reason not to inform insurers. And as Eric's brother says, that will also give us, hopefully, a more specific discussion with neighbours. No, we can't view the neighbour's roofing from where we are, and neither can they as it's under their conservatory (we always thought it was a bad move on their part to cover felting with a conservatory!) Interesting that council have enforcement powers, hadn't realised that.  I've also had a builder advise, without visiting the site, that the dividing wall (which may be double-skinned) should have waterproof capping, which it doesn't; so maybe a simple solution is to install that across top of both sides.  Anyway, some next steps for us to take so thanks again.
    • un-en doesn't mean its written off but SB'd passing does.. and no why should you get the money??   they are notional charges that weren't paid by you anyway in the 1st place as there is was outstanding balance greater than the refund.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
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Started recieving phonecalls from Wescot yestarday.

 

Not to sure who may have set these hound dogs onto me as, as of yet I am still answer a phone call. Only had four phonecalls in total up to now.

 

I am currently in the process of claiming unfair chargers back from Natwest Credit card, Barclaycard and very and have sent a SAR to Next and Halifax Credit card. So it has to be one of these lovely people.

 

Will keep you inform. Done a bit of Westcot reading on here and sounds like they are just charming .......................oh I wonder if moorcroft have passed my Argos onto them as I back then into a corner. Time will tell.................:madgrin:

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westclots are easy to dispatch


PGH7447

 

 

Getting There Slowly

---------

 

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

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:-) thats sounds confident. Should I just ignore the phone calls and waiting for the letter to come throughthe door informing me what it is they want?

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:-) thats sounds confident. Should I just ignore the phone calls and waiting for the letter to come throughthe door informing me what it is they want?

 

yes indeed ignore their phone calls. no doubt they will send some rubbish, wescot are bottom feeders in the dca ocean.

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Its a Natwest Credit Card which is firmly in dispute pending a SAR and other complaints so I have today sent Natwest an email telling them that this account is in dispute.

 

Dear Mr Fleck,

 

I am very disappointed to discover that this account has been passed onto Westcot Debt Company even though this account is firmly in dispute regarding my current unresloved complaint.

 

I request that Westcot be advised of the matter and that the Credit Card account be passed back onto Natwest.

 

Not only is this a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My previous dispute has NOT been answered.

 

Consequentially any legal action they pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to the you for resolution of these defaults and breaches, as Wescot cannot lawfully pursue any enforcement activities.

 

If Wescot chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Tradings Collection Guidelines

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

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Received a very rude telephone call last night at 8.50pm from Westcot.

 

I picked the bloody thing up as she caught me off guard. I wouldn't let her speak to me hubby at first and she was saying things such as "does he not live there"? "Can he not talk"? "will you just let him talk to people is that it"?

 

Oh RUDE.

 

Hubby talked to her and refused to go through her security questions when she asked him why he said "because I have no idea who you are"!

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My mother has just received a nasty letter after a series of phone calls. They are not threatening her with doorstep action blah blah blah. I have today sent them an equally shiity letter using tidbits from this site so we will see if they roll over and dissapear!

 

Agreed with comments on here though as my mum says whoever the person is calling her is an obnoxious so and so!

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Horrible bunch of people. I have had dealings with Moorcrroft but Westcot beat them hands down in the insults.

 

Account they are chasing me for is in dispute as the penalty charges added to account wipe out balance plus £223 extra. Complete muppets the lot of them.

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Try playing a little tune down the phone using all of the buttons! :)

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:lol: ohhhh I wonder if I could play The Jaws theme tune. Next time they ring I will give it a go

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Something like ba ba black sheep may drive them to despair quicker! ;)

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Today recieved this..........From Nelson Guest & Partners Solicitors dated 25/11/2010 recieved two days ago!

 

Dear Sir/Madam,

 

IMPORTANT: An offer to reduce the amount payable on your debt

 

We are instructed by Wescot Credit Services Ltd ("Wescot") acting on bhalf og The Royal Bank of Scotland plc regarding the above outstanding balance. As a finial attempt to avoid further action, Wescot is prepared to offer you a discount to settle you account.

 

This offer is only available for a limited period. You should contact Westcot by the 05/12/2010 to agree a suitable settlement, or the offer will b ewithdrawn and further action will continue to recover the FULL OUTSTANDING BALANCE

 

To take advantage of this offer, telephone Wescott on 0844 824 1152

 

If you are unable to take advantage of this offer, Wescot will still consider a realistic repayment plan and you should contact them urgenty to discuss your options. Unless a suitable agreement is reached with Wescot within 10 days of the date of this letter, further recovery action will be taken.

 

You can pay by debit card by simply calling the telephone number above. If you wish to pay by Direct Debit, Wescot can set this up over the telephone. Yoy can pay online at http://www.paywescot.co.uk. Alternatively, you can send a cheque or postal order payable to Wescot Credit Services Ltd, quoting your Wescot Reference number on the back

 

Yours.............

 

Not signed

 

S A Nelson.

 

This Natwest Credit Crad is currently in dispute as I am currently trying to recover the charges on this account which wipe out the blance with some left over.

 

What should my next move be please? This letter seems a little more scary

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ignore it, if they are offering a discount then they must think there is something amiss, either they cant find an agreement or some such thing


PGH7447

 

 

Getting There Slowly

---------

 

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

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I had limited dealings with westcott - they were not te worst lol

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also I have the same thingwith hilsden they cannot find my agreement :-)

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