Westcot ccj - old catalogue debt - now back in court by Arrrow Global - HELP!!

[dx100uk]

was this award sanctioned by the court

or you did it without going to court

 

you MUST MUST MUST

going back 18mts now when we first told you.

 

send a SAR to littlewoods [shop direct]

 

click the sar

 

print the letter

 

send it to

 

Customer Excellence Team

Shop Direct Ltd

Aintree Innovations Centre

Park Lane

Netherton House

Bootle

LS30 1SL

goto the post office

 

get A £10 postal order

 

payee Shop Direct

 

write on the back 'for statutory SAR fee only'

 

pop in it the env with the SAR letter.

 

hand it to the counter staff

get proof of posting.

 

you need to prove that either this debt was not your husbands

or

than anyhow it was statute barred at the time of the CCJ.

 

dx

[BRIGADIER2JCS]

So it's a live debt, with a CCJ in place, and they now want to vary the judgement order?

 

How much have you actually paid over the years?

[filrobbo]

sounds like they got fleeced here they didn't contest CCJ .

[legoearth]

wescot have a screen print thing of theirs saying his 'wife' spoke to them in 2006.

This is not the case but if it were would this count as acknowledgement of the debt

so it wouldn't have been statute barred when the ccj was granted?

 

We couldn't contest the original claim as we didn't receive the papers.

 

Wescot have played a lot of dirty tricks all the way through.

 

The original debt was for over £1000 worth of goods from a littlewoods catalogue in the space of about 6 months,

 

if I remember correctly without fetching the papers, during 1998/1999.

 

He was living with his mother and unemployed with no credit history as he wasn't allowed to breathe without her permission.

 

..Anybody else ever been able to get that much credit in those circumstances back then?

[dx100uk]

did you do that sar

 

dx

[legoearth]

Going to post office in the morning first thing. It wasn't lack of enthusiasm last year just bad things in life that sometimes get in the way. The courts actually wanted £40/ month originally. Wescot agreed to £20/ month.

[BRIGADIER2JCS]

wescot have a screen print thing of theirs saying his 'wife' spoke to them in 2006.

This is not the case but if it were would this count as acknowledgement of the debt

so it wouldn't have been statute barred when the ccj was granted?

 

We couldn't contest the original claim as we didn't receive the papers.

 

Wescot have played a lot of dirty tricks all the way through.

 

The original debt was for over £1000 worth of goods from a littlewoods catalogue in the space of about 6 months,

 

if I remember correctly without fetching the papers, during 1998/1999.

 

He was living with his mother and unemployed with no credit history as he wasn't allowed to breathe without her permission.

 

..Anybody else ever been able to get that much credit in those circumstances back then?

 

Hi, acknowledgment of debt MUST be an unequivocal WRITTEN admission that a liability subsist.

 

Although Wescot and other DCAs may try to mislead people into believing that verbal contact resets the SB clock, nonsense of course!!

[citizenB]

Just a quick one.

 

Which do you send to who when a debt is disputed.

 

Original creditor or DCA?

 

Original creditor says they have no information as the debt was sold to DCA.

 

CCJ was granted last year to DCA but there have been developments.

 

Should have done all this before I know but circumstances weren't good.

 

Thanks for any advice.

 

Just want as much info as possible from OC and DCA.

 

As they don't provide all the data to the Debt purchaser when it is sold, I am surprised they have said this. When was the account sold and to whom was it sold ? Is it the same claimant now as it was at the time of the original Judgment.

[legoearth]

This is what Littlewoods said. Said Wescot owned the debt so we would have to ask them. I don't know when it was sold . Prior to 2006 I presume as Wescot submitted a print screen of their records saying contact was made in 2006.

[legoearth]

Into court yesterday to 'answer questions' . 2 1/2 hours!!!!!

 

Had to fill in a form with all financial details, income/out goings etc.

We weren't expecting that!

 

We/he was ordered to come to court to answer questions and provide documents.

 

There was a list of additional questions not with the paperwork that should have been,.

The court officer asked if we had them.

I said no and he took the papers off me, looked through and patronisingly waved one in the air 'yes you have this is it'. It was a list of required documents.

 

I pointed this out and he said 'it's the same thing' !!!???? What are things coming to when a court official can't see the difference between a piece of paper with the heading 'list of required documents' and one saying 'list of additional questions'.

 

He hasd possesion of the latter , not us.

 

This whole thing has cost us an additional £50 in costs.

 

Have emailed Wescot to ask the reason for the questioning as the officer said it's usually done because of missed payments.

This has never happened.

 

We got to the car park with 4 minutes until we would have had to pay £50 parking charges!!!

 

Anyway, awaiting SAR from shop direct now...

[BRIGADIER2JCS]

Questioning as to means to establish without a formal court hearing before judge, to determine ability to discharge indebtedness a common process.

 

Usually very detailed instruction on what MUST be produced is sent with the notification of the appointment, sometimes additional documents are 'recommended' for production.

[legoearth]

Oh and the court were unaware that Arrow global have taken over Wescot. Showed him the letter but he wasn't interested, said to contact Wescot...

[BRIGADIER2JCS]

Wescot functions as before the TO.