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    • Birmingham council are wrong.   However, you probably left yourself open to this problem by not changing the keeper details.  You should do this now.   Also are there any other lurking problems which could come up and bite you?  You should make proper arrangements to redirect post or to inform creditors etc. This is the kind of scenario where you end up getting backdoor CCJs which then become difficult to deal with
    • What do I need to send on SAR? Do you have an email from them ?    I have 1 year with them .  I ve been made some international transactions because I ve been buy a car and a house I was need to send monthly money . I m a self employed, so I earn my money by myself . I didnt do nothing wrong with them . When I open my account I let them know that I m self employed and I can prove that .   I m in a desperate situation as I m not having any money for my company that I just open to can run 
    • Birmingham City Council,  told me because the car is on my name I am responsible  for it and I can't have anyone take the blame.  
    • Send them on SAR immediately. Do it today. Read up on this forum and elsewhere on the Internet about crifas. How long have you had the account? Have you been having large sums of money going in or out recently – especially paid in cash? This kind of unexplained behaviour generally relates to something that triggers a suspicion that your account is being used for money laundering or some other kind of fraud. If that's what has happened then you will find it almost impossible to get information about it and also almost impossible to find out when your account might be made available to you. If a CIFAS marker has been applied to your account, the bank takes upon itself absently Draconian powers and you will scarcely even get any assistance from the FOS who quite frankly are simply a poodle to the financial services sector
    • In addition to dealing with the individual problems that this person is creating for you, you obviously need to deal with it holistically because there is a problem of identity fraud which may well continue and will certainly affect you and your family throughout your lives. Nobody should underestimate the seriousness of this kind of thing. Although people will commonly apply the label of "identity theft", what you are actually dealing with here is "identity fraud" and it is well understood in academic circles. The police were quite wrong to say that there was nothing they could do. I'm afraid that this reflects under-resourcing coupled with poor staff development and a poor attitude. There are offences being committed here and the girl herself is committing fraud contrary to sections 1(2a), & 2 of the Fraud Act 2006  https://www.legislation.gov.uk/ukpga/2006/35/contents   Of course the police will find it very difficult to do anything and given their resources, I suppose they have other priorities. However, you could be certain that if your family was related to the head of the local police force, they would be dealing with it PDQ. You say that this has been going on for a number of years – but you don't say how long. Maybe you had better give us a detailed account of what has happened. Please set out in a bullet pointed chronology so that we don't have too much narrative but a good structured idea of what has happened. This should include a list of the problems which have occurred and how they have been dealt with and also complaints which you have attempted to make. You definitely need to start taking this very seriously. How old is your daughter? In terms of opening mail, you should open every letter that comes to you and if you find that it is associated with this fraud, then you should photocopy it/scan it into a computer and start building up a file. I hope you have kept some of the correspondence and other documents which you might have received. Please let us know what you have. You are definitely going to have to start accumulating a robust file of evidence and I suggest that the first thing you do is you start sending SARs out to all of the organisations which have been involved and see if you can tease out of them any personal data that they might have which is apparently linked to you. Either they will provide you with a statutory disclosure – or, of course, it will be amusing if they say that they are more proof of your identity and that they won't let you have the disclosure because they are not satisfied that the data they have relates to you. I don't think you're in a position to make any serious complaint until you have put together a convincing file of evidence which shows that there is systematic identity fraud. We will help you to start to do this and help you to structure the file that you will put together and then we can begin to explore avenues to make a complaint. It also occurs to me that they could be a basis here for making a complaint under the Protection from Harassment Act 1997 although this would be an unusual application of the act – but we can have a look when you put together your file.  
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Wescot, Pillips & Cohen Associates Disgusting Behaviour

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I would appreciate some help in a matter.

I have been helping a friend since he lost his common law partner.

His partner was being harassed by Wescot for just over £500.00 credit card debt.

Following the passing of his partner Wescot asked twice for copies of the death certificate. This was sent twice.

Wescot then wrote asking for details of the executor or next of kin. My friend was neither and did not reply.

My friend is obviously very upset about all this and now has received the following letter from Phillips & Cohen Associates.

To the Executor of the Estate of the Late XXXXXXXXXX

Further to our previous correspondence, we note you have been unable to respond to our previous request for information. At the time of the unfortunate passing of XXXXXXXXX, the amount of £xxx.xx was owing to Wescot.

Please understand that our intention is not to cause you any additional anxiety or distress. In order to bring this matter to a close we would like to make the following options available to the Estate of the Late XXXXXXXXX.

1. Send a payment of £xxx.xx. We will then close the account as settled in full and no further action will be required.

2. Send a partial payment of £xxx.xx of the balance along with your proposal for a payment plan thereafter.

3. 3 Call our office to discuss a proposal.

To discuss these options please contact our office by telephone on FREEPHONE 0800 030 4101 quoting FILE NUMBER xxxxxxxx as soon as possible.

We can assure you that a specialised staff member will be here to assist you with your call and with any questions you may have in relation to this matter.

Yours faithfully,

I have given my friend a letter to post instructing all future correspondence in this matter to be addressed to me as this is upsetting him.

For the avoidance of doubt the deceased had no estate, no money and no saleable positions.

I think this is disgusting behaviour by Wescot and would appreciate some sound advice and a possable letter to send to Phillip Cohen.

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Hi Rev - this is terrible and seems to be happening a lot now. Have a look at this Fact Sheet. Your friend is not liable and needs to tell these **** that they are not, there is no estate and to whistle. http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=21_what_to_do_about_debt_when_someone_dies#chapter6 Also a strong letter of complaint to OFT http://www.oft.gov.uk/contactus

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Phillips and Cohen are well known for this unsavoury and questionable behaviour. Their letter is carefully worded - although it says that the 'options' relate to the estate, it quite clearly seeks to mislead the recipient into thinking that they should send payment.


I'd just send them a short letter:


Dear Sirs


Re: The late xxxxxx


Further to your letter dated (xxxx), I can confirm that N (the person to whom their letter was addressed), is neither the next of kin nor executor of the late xxxxx's estate.


Your letter has caused great distress to N. Any further contact from you will be construed as harassment and reported to the appropriate authorities.


No further correspondence will be entered into.


Yours etc.




I wouldn't even have supplied a DCA with a copy death certificate. When I was helping the executor of an uncle's estate, I found that various companies demanded 'proper' copies rather than photocopies, which aren't cheap, so I ended up telling them that they could have one either on payment of the fee and my expenses, or they could get one themselves from the Registrar upon payment of the statutory fee. None argued.

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Thank you guys,

I gave my friend a letter today for him to sign and send instructing them to address all future correspondence to me.

Hopefully they won’t write to him again.

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If they write to you Rev, then tell them in not so many words to go play at the bottom of the Atlantic....absolutely unbelievable I wouldn't stop complaining until the media had got hold of this, seems they never learn from their mistakes do they?


Derbyshire South MP Mark Todd said: "We need to examine the regulation of debt collection agencies who sell debt around like a commodity.

"This allows the link to the original circumstances of the debt to become removed.

"The commodities are human beings and no one thinks of the implications of this."




I'd be making them very much aware that they are going to be reported for their continuance to act in an unsavoury manner, MP, BBC, OFT&TS, FOS, Press.

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 year later...

Yet another letter today from Pillips & Cohen Associates. This time addressed to the Executor of the late Mr XXXXX XXXXXX.

Our Client, Cabot, has instructed Phillips & Cohen Associates (UK) Ltd to deal with the above account.

Cabot has previously received notification that Mr. xxxxx xxxxxxx has sadly passed away. On behalf of our client and ourselves, please accept our sincere condolences. We understand that this is a very difficult period for you, and our intention is to assist you at this time.

Phillips & Cohen Associates (UK) Ltd are probate specialists. Our goals are twofold; firstly we need to discuss the above listed balance owed to our client, Cabot. Secondly we would like to explain the probate proses and answer any questions you may have.

At the time of the unfortunate passing of Mr xxxxxx xxxxxxx the amount of £x,xxx.xx was owing.

It is very important that someone contact us to provide information regarding whether an estate exists for Mr xxxxx xxxxxxx by calling FREEOHONE 0800 030 4101 at your earliest convenience.

We assure you that a specialist staff member will be available to help you resolve this matter during the operating hours listed below.

We thank you for your assistance, as we understand that this is a busy and difficult time for everyone involved.

All future correspondence and calls should be directed to Phillips & Cohen Associates.

Yous faithfully,

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Phillips & Cohen Associates (UK) Ltd

Building 5, Floor 9

Exchange Quay

Manchester, M5 3EF




.Dear Sirs,


Your file number: xxxxxxxxxxx


In reply to your letter dated 18th January 2013.


You have wrongly assumed that an estate was left by Mr xxxxxxx xxxxxx and that an executor was appointed to manage the aforementioned non-existent estate.


Mr xxxxxx did not leave sufficient funds to cover the cost of his funeral and you and your clients have already been fully informed of the circumstances.


I am in possession of a pair of wellington boots that once belonged to Mr xxxxxxx and would happily forward them to you on receipt of a stamped addressed box.


I have previously informed you in writing that any future contact regarding Mr xxxxxxxxx would be considered harassment and you may now expect a visit from your local police regarding the matter. In addition I require a copy of your complaints procedure.


I do not intend to enter into any further correspondence with you or your clients regarding Mr xxxxxx’s affairs.


Please inform your client that they are ultimately responsible for the parasitic actions of their appointed representatives and that their consumer credit licenses will be called into question should an apology not be received from them within 14 days of the date of this letter.


I do hope that I have made the position abundantly clear to you.


Yours faithfully,

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Dear oh dear, a definite case for seeking damages methinks?


Report them in the first instance to the SRA http://www.sra.org.uk/consumers/problems/report-solicitor.page


Then the OFT&TS, and ignore them, surely they are way out of time to claim anything off the estate.??


Very good! Just read your reply, excellent.

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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  • 7 months later...

It would appear that they are still at it. Both Westcot and Phillips and Cohen, but let's not forget that I believe that this was originated by RBS...


We received a letter dated six weeks after my mum died, looking very formal, but in essence just sent to Mum's address. Can I ask for further clarification as I look forward to the diversion of having it out with them...


Although Dad survives, the loan, about which I (and Dad) are unaware of the details of, seems to have been in her sole name. She, like others have written before, left a funeral plan which just about covered the costs of the funeral. Just.


Where do we go from here? Dad is upset and just wants to get rid of the reminders addressed to my mum, whereas I am reluctant to take on a debt I simply can't afford. Contemporary guidance would be most useful?

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Hi Tablespider

All I did when my wife died was to first call then put in writing. I explained that she had no assets (normal personal possessions do not count). They then closed the accounts . As we were separated I gave them my details and the wrote to me confirming the write off of the debt

Any opinion I give is from personal experience .

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Wow... we've moved forward apace...


It appears (and I so hope that this is real) that RBS have taken the debt back from the aforementioned and when I called them this afternoon, have advised me that as it was personal in her name, as long as I write advising of no estate, then the debt is closed, quote "you're not liable".


Much as I hate the thought of my Mum having been worried about the debt until she died, I'm glad that hopefully my Dad won't be plagued by what can only described as charlatans in the past. If I had a mortgage, I'd be reluctant to put it on this being the last we shall hear though...


Thanks for the comments...



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Had the same problem with these muppetts when my late father passed on, they even wrote and told me he had a property call XXXXXXXXXXXXXXXXXX house, which in fact was the Nursing home he spent is last few weeks in with his nasty Brain tumor, and if they properly checked they would see he was a council tennant all his life. I knew nothing of the debts he had and the insurance just covered the funeral and what was left over went to his Grand Children £100 each, it was over a year after is death that I was contacted. They had it back big time. Tell em to jog on, in more stronger words as I used.


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