Wescot anonymous postcard - prognosis?

[TGFBeta]

Hey all!

 

I have an outstanding debt of something like £4000 which was originally to Egg from 2005. This has been successfully ignored for years... Unfortunately my housemates helpfully registered me to vote for the recent elections, and I think the buggers have tracked me down. I also foolishly allowed myself to be registered when buying some stuff recently so I guess my data might also just have been passed on.*

 

I got one of wescot's "the occupier" postcards this morning. Not addressed to me but very coincidental, although the previous owner was similarly useless. It's headed for the bin, obviously, though I may have a little fun at "Alice's" expense from a payphone this evening, but what do you think the prognosis is? Can I expect the full treatment or is this just a fishing expedition?

 

Thanks, TGF

[harrassed senior]

Well you can ignore, they may or may not write again, they are, at this stage just phishing. Usual advice is to never talk to them on the telephone, but if you have some method of recording the call, then fine and see what protocols they break. IMHO they are not worth the call.

[BRIGADIER2JCS]

Agreed never phone them ignore until they come up with some thing then post on here.

[unclebulgaria67]

Yes ignore. Presumably coming up to being statute barred this year sometime, if you have not paid or acknowledged the debt since 2005. If they are writing to the occupier, presumably they are hoping for someone to phone them quoting the reference, when they will check who lives at the address. They may have picked up you live there, but if there are multiple unrelated people, I think they are normally expected to find out you are definately resident at the address, before they start sending letters containing debt information. They may make phone calls to the address if you have a landline for the same purpose, so make sure others in the house are aware of this, so they don't confirm your residence to any mystery callers.

[dx100uk]

Hey all!

 

I have an outstanding debt of something like £4000 which was originally to Egg from 2005. This has been successfully ignored for years... Unfortunately my housemates helpfully registered me to vote for the recent elections, and I think the buggers have tracked me down. I also foolishly allowed myself to be registered when buying some stuff recently so I guess my data might also just have been passed on.*

 

I got one of wescot's "the occupier" postcards this morning. Not addressed to me but very coincidental, although the previous owner was similarly useless. It's headed for the bin, obviously, though I may have a little fun at "Alice's" expense from a payphone this evening, but what do you think the prognosis is? Can I expect the full treatment or is this just a fishing expedition?

 

Thanks, TGF

 

 

not being on the electoral role will harm your credit worthiness more than a ccj.

 

so whatever rubbish wetcloths have they will have to play their cards first avout this one

 

ignore

[TGFBeta]

Yeah I think the default was in May that year so hopefully already statute barred - though I'm not completely clear what the definition of acknowledging the debt is for those purposes. Fingers crossed anyway, and if they continue I plan on seeing what info they've got (is that a FOI request? I forget the jargon).

 

Anyway yeah will ignore. Just back from a wonderful holiday and not exactly what I wanted to see on the doorstep! Thanks all

[BRIGADIER2JCS]

Acknowledgement of debt, admitting responsibility in writing or making a payment within the six year period from the cause of of action.

[Tingy]

Definitely don't contact. If they write to you by name then you might, possibly consider doing something. You do need to have a look at your credit report to find out when this debt was defaulted.

[TGFBeta]

Definitely don't contact. If they write to you by name then you might, possibly consider doing something. You do need to have a look at your credit report to find out when this debt was defaulted.

 

Yeah but if I check my credit report I'll definitely have to give a current address, I thought that was a known route they get your details from? I reckon I can work out the default date from bank records.

[DonkeyB]

Who the **** is Alice?

[Tingy]

Yeah but if I check my credit report I'll definitely have to give a current address, I thought that was a known route they get your details from? I reckon I can work out the default date from bank records.

 

That's fine if you can do it accurately. The reason I said that was you said you think it was in May that year. If already SB there's no harm can be done by checking your CRF, if it isn't then if you can use bank details, great.

 

If it is SB then you cannot be made to repay it under any circumstances, so you can forget about it. Obviously it would be helpful for us to know one way or the other so we can give definitive advice.

[coledog]

A debt becomes SB - 6 years and one month after last payment i.e. first missed payment is the 'cause of action' if it is a monthly account, if that makes sense.It is 5 years if you reside in Scotland.

 

CRF will probably show 'Default date' which can be any date after that, so beware.

Edited June 11, 2011 by coledog

[Tingy]

Makes sense, but I think you mean 6 years and one month! lol

Edited June 11, 2011 by Tingy

[coledog]

CORRECT Tingy Thanks, early morning - will edit

[TGFBeta]

Hey, sorry guys my dates were out, and the defult will have been somewhere in 2007. Balls. So that's out of the window.

 

So I suppose the only thing to do now is wait and see what Wescots do. Checking back through my old files the debt had previously been assigned to Lewis. They could have sold the debt on I guess, but encouraging that it's not me they're after.

 

I already have a mortgage and don't want any more credit / debt. Is there any way of removing myself from the electoral roll?

[coledog]

It is last payment date you need to find. The Electoral Role is a legal requirement. You can make sure that you on the restricted list (not available to advertisers, general public etc) but DCAs and anyone on 192.com who pays enough can access it. Does not mean they have found the right person though or confirmed that you still live there.

[TGFBeta]

Last payment Dec 2006

[Mrs E Blackadder]

Who the **** is Alice?

 

Dunno Donkey. But I wonder if anyone has lived next door to her for 24 years?

[coledog]

Last payment Dec 2006

 

Not SB then, if they do connect you properly you will have to go down the 'prove it' route.

[TGFBeta]

roger. cheers