Jump to content


  • Tweets

  • Posts

    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
    • Just as i thought (from above post) : i just hope this is not the normal customer service that say they cant do anything and that you have to appeal to excel parking 🙄 this is the response my friend has received today - totally ignoring the subject which was: 'victim of disability discrimination on the part of your agents' does anyone have any ideas to reply with please?     Thank you for your response.   I would like to apologise for the error in the previous email; our CEO, Tarsem Dhaliwal had received your email and tasked ourselves in the Executive Resolution Team with looking into this.   We have raised this with our internal property department who have more information on parking charges and any appeals, we can see that you had appealed the PCN with excel which was rejected, you then appealed the PCN with IAS which was also rejected.   Because of this, we would not be able to cancel or refund the charge.    I understand this may not be the outcome you had hoped for, I am sorry for any inconvenience caused.   Kind regards, Cissy
    • Officials at the Federal Reserve are expected to hold off on any interest rate cuts this month.View the full article
    • I appreciate any help on this. I got 2 different speeding tickets and I'm hoping I can get one of them canceled as it's for the exact same road, 2 days back to back. The limit was 40mph, but I honestly thought it was 50mph and so I was driving withing that limit... First time driving that road. No other points ever on my driving lisence if that matters. Any advice for the appeal please? DETAILS: AF57ONB 0013032393514620 - 209266 0013032398514320 - 748169
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Lloyds TSB - Wescots and a passed on overdraft debt.


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4409 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Ok - it says Issued by Wescots credit services ltd - On behalf of Lloyds TSB Plc - then a recovery department number - wescots reference and client reference. It then tells me the outstanding balance.

 

They then state they are a specialist debt collection agency and have been instructed by our client to collect the above outstanding balance on their behalf.

 

To avoid wescot taking further action I must - Pay the debt in full - If I cant do this to phone them

Link to post
Share on other sites

  • Replies 50
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

OK this is an overdraft on a current account, so there is no credit agreement?

In my personal opinion if you do not have statements to hand you don't know how much of the debt is made

up of charges, and/or penalties, and it's unlikely that Westcot has that information.

Therefore I think you need to do a Subject Access Request under the Data Protection 1988,

this will ensure that Lloyds send you ALL the data they hold on you, from this you will be able to see

how the debt is made up.

A SAR costs £10.00 (statutory fee) you should send a postal order but don't sign it.

 

There is a template for this in the CAG Library personally I would send this recorded delivery.

 

They have 40 days to comply with this request, all you need do is inform Wescot what you have done.

 

From the information you have given today I do not believe this to be any kind of proof of the debt.

 

I am sure others will come up with further information in due course.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Sorry I missed that sem to have lost some of the earlier posts.

I think the charges side of this will prove interesting!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Sorry I missed that sem to have lost some of the earlier posts.

I think the charges side of this will prove interesting!!

 

I don't like to rain on your parade ( :-) ) - but how do charges help on an overdraft since the OFT ****ed up the test case?

Link to post
Share on other sites

I believe they can be tested as unreasonable or unfair.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

At the very least a recon agreement and statements showing payments.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I have received another letter today from Westcots - have checked the dates to make sure its not a letter that got delayed in the post and it is indeed their most recent communication with me.

 

They are now demanding I send them a list of my previous addresses and D.O.B to confirm I am who I am, so they dont breach the data protection act.

 

What I find funny about this is, 1) They told me in their first letter that if I didnt respond they would assume the address correct and carry on proceedings using the address.

 

2) They have already disclosed account number - reference number - account balance and demanded money from me.

 

Should they not have asked for this information before releasing this information then if they are so concerned that I am not who I say I am?

Link to post
Share on other sites

Elliot you have no need to send them any further information,if they are not sure who you are they should not be giving out

account numbers etc.

I would report this to the Information Commissioner Office, and send COPIES of the correspondence you have received.

Post up the letters for the guys to have a a look at after removing all personal details and bar codes

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Thanks BRIGADIER2JCS - just as I thought. Im about to head to work but will post up scans of the letters when I get back, or in the morning depending what time I finish. Funny how they still have not provided any proof of ownership of the debt but they are more than willing to send their letters full of demands on that pretty red headed paper.

Link to post
Share on other sites

Hows this as a complaints letter to Wescots?

 

To whom it may concern.

 

In regards to your previous letter asking me to provide details of my previous address and Date Of Birth for prevention of breaching the data protection act, with all due respect I refuse to disclose any further information to your company for a number of reasons.

 

1) In the first communication from you dated - you stated "no reply will result in assumption you are Mr X" This is in breach of the OFT guidelines. "sending demands for payment to an individual when it is uncertain that they are the debtor in question, for example, threatening debt recovery action to 'the occupier' or sending a payment demand to all people sharing the same name/date of birth as a debtor in the hope that contact with the correct debtor will be made."

 

2) In the letter dated - you disclosed personal information, namely, Account number, Reference Number, Account balance, without being fully confident I am the debtor. This is in breach of the OFT guidelines - "disclosing debt details to an individual when it is uncertain that they are the debtor in question, for example, disclosing details to 'the occupier' of an address." This may also be breach of the data protection act.

 

3) You confirmed in writing, by way of asking for further information to ascertain whom you are communicating with, after you have disclosed personal information to the person you are communicating with. This is again in breach of the OFT guidelines.

 

4) I am under no obligation to provide proof of the debt, your company however are.

 

This unacceptable behaviour has lead me to issue a formal complaint to the OFT and Lloyds TSB respectively.

 

I refuse to disclose any further personal information for fear of mishandling and distribution on the grounds your company have already exhibited a lack of respect for these rules.

 

Regards.

 

Mr X

Link to post
Share on other sites

  • 2 months later...

It took some time but westcots finally replied to the letter i sent them, totally ignoring my questions as to why they disclosed personal data before being satisfied that I am in fact the debtor - but they did say we will investigate your queries about this account - as its now in dispute we will not contact you or try to collect the debt from you ect

 

then three days after receiving that letter i get one from a solicitor acting on behalf of wescots demanding i pay in full within ten days or else further action will be taken. How should I respond to this?

Link to post
Share on other sites

reply with the ccount in dispute letter and enclose a copy of letter from Wescots stating collection on hold. lso write again to Wescots asking for complaints procedure - via compliance dept - clearly in breach - also complain to OFT.

 

Intend

Link to post
Share on other sites

  • 8 months later...
How's things going on this thread?

 

Wescott passed on the debt to a new company, and not much in terms of satisfaction in regards to breach of data protection issues.

 

Other than that, reached a comfortable repayment plan with new collection company, and apart from the constant harassment on a phone number not belonging to me with them trying to make me increase monthly repayment amounts, its going ok. Slowly but surely getting out of debt and feeling more confident about my financial situation

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...