wifes RBS credit card - wescot/Regal Credit

[Bazooka Boo]

Oh well wetcloths lose again then don't they, once they are out of time, which i would imagine they already will be, send the little darlings the "Failed" letter, and carry on with your life, don't be worried by these clowns.

[mikesmotor]

I'll just wait to see if I get my correspondence back again then I'll send the 'failed' letter.

Incidentally and somewhat displaying my ignorance, what do I do if I get the postal order back that made out to them. can I cash it in?

 

Regards

 

Mike

[BRIGADIER2JCS]

Just take the PO to the PO:madgrin:

[mikesmotor]

As expected

I've got my correspondence back yet again with the same excuse as before.

 

 

I'm left wondering,

do I send them the 'failed' letter or simply just let the matter rest where it is?

 

 

I must admit that I'm suspicious that if now do nothing the whole matter will be resurected at an later date

and it will start all over again.

 

 

Any advice would be useful and gratefully received.

 

Rergards

 

Mike

[Abrigadier]

Hi Mike,

OK the way forward now is a formal

complaint addressed to the Compliance

Manager firmly pointing out

that as it seems they cannot identify you

but are still communicating with you at

the original address, therefore you cannot

communicate any further until they have

complied with your lawful request under

section 77/78 of CCA 1974 and unless they

comply with in 7 days you will consider the

matter closed and further contact from them

after the 7 days WILL be considered harassment,

and their conduct will be reported to the OFT & ICO.

 

 

Brig.

 

BRIGADIER2JCS

[mikesmotor]

Thanks for that, I'll get a letter out straight away. This most recent letter is signed by a Mr C. Cooper so I'll address it to him.

 

Regards

 

Mike

[mikesmotor]

Hi all

 

Guess what!

 

 

We've just received a letter from Wescot now saying we've got to send our CCA request to their clients.

 

 

We've sent the 'failed' letter out to them with a firm statement at the bottom stating that our business is now concluded.

 

 

Should we just ignor this latest letter or should we send them some sort of reply.

 

Regards

 

Mike

[BRIGADIER2JCS]

Hi Mike, There is a rash of DCAs now refusing to pass

on CCA request imho don't waste time, money or effort

on trying ro make them comply, they have failed so the

matter is in dispute so they cannot enforce judgement

in court.

If you wish still to get the CCA send thje request to the OC,

if not wait and see what pops up.

 

Brig.

[mikesmotor]

Hi Brig

 

Thanks for that, I'll just hang on then and see what transpires.

 

Regards

 

Mike

[Bazooka Boo]

AH wetcloths failing to do there job...AGAIN!! Waste no more time with them, they have given you a lifeline here as the next muppets who try to con you can be told that wetcloths failed to provide you with the CCA....ah bliss..

[BRIGADIER2JCS]

It's a pleasure to deal with them, rather amusing in my opinion!!!

[mikesmotor]

Hi All

We recently got a letter from wescott solicitors threatening allsorts

so I sent them the letter on file telling them that their clients have not complied with our CCA request.

 

 

We have just received a letter from wescotts themselves now threatening door step collection.

 

 

Any body help with the best way to deal with this.

 

Regartds

 

Mike

[Bazooka Boo]

Yep, open a drawer, and throw it in there cover it over with all the other irrelavent puerile empty threats that they have sent, close drawer, and go and do something much more interesting like watch paint dry.

 

Seriously though if you a at all concerned some illiterate uneducated clown is foolish enough to be ring your doorbell, then I can think of two words that I would use to make them disappear, ensure you have a camera by the front door to film or photograph the unfolding hilarity when they realise the boot is firmly on the other foot, they no longer have any power over anyone anymore, it just takes a while for them to wake up and realise we've moved into a new century!

 

You can always keep a copy of this by the door...http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

[BRIGADIER2JCS]

Which solicitors have written to you??

[mikesmotor]

Thanks for that guy's the solicitors I wrote to were Nelson Guest and Partners based in Sidcup Kent. Apparently a legit firm of solicitors.

 

Regards

 

Mike

[BRIGADIER2JCS]

Hi Mike another well known solicitor for rent, seem

to do mostly debt collection.

[Bazooka Boo]

Laughable! NOT legit...... NGP's threatomatic have been spitting out all sorts of nonsense trying to worry people that anything will happen this side of Christmas, just the usual cycle of begging letters for more mince pies...

[ims21]

Threads merged and tidied

 

ims

[mikesmotor]

We've had an issue with Wescot Credit for some while now.

 

We've gone through the CCA request process and so far they havn't come up with the documentation quoting a need for previous addresses.

 

It would appear that the issue has been passes to an organisation called Regal Credit.

 

We've sent them the letter saying that this needs to be passed back to Wescot.

regal have sent a letter saying that we need to apply to the originators RBS.

 

Should we write to Regency telling them to comply with the contents of our letter or

should we sit on it and wait to see what transpires,

 

any advice would prove usefull.

 

Regards

 

Mike

[BRIGADIER2JCS]

Hi, Mike either just tell Regal the account is in

dispute or send them a CCA request.

Does this show on your credit files?

[42man]

I always have a chuckle when I see 'Regal' as it sounds like an old box of fags......If Regal are collecting 'on behalf of' then they should stop attempting to collect until your dispute is answered.....if Regal 'own' the debt then it is their responsibility to oblige you with your CCA request...

 

The OFT make it quite clear that whilst in dispute it shouldn't be passed around....

[mikesmotor]

Hi Brig

 

We;ve already told them that the account is in dispute. I get the impression that the statement in their letter 'we will put your account on hold for seven days' suggests that they know that and hope that we will make the next move or, if they seem threatening enough, we will bottle it.

 

Regards

 

Mike

[ScarletPimpernel]

I always have a chuckle when I see 'Regal' as it sounds like an old box of fags......

 

 

Funny, they always remind me of these:

 

[dx100uk]

check your cra file

dx