Scotcall chasing old greenwood loan

[shelly69]

Firstly I would like to thank the community of CAG as it has got us out of a mess a few times.

 

Currently; we are dealing (or in our case - not co-operating) with Scotcall.

 

On all their letters they put only a 0844 number, their non-0844 number is: 0141 248 7400.

 

It won't let you do 141 in front but I called and made sure that I said I didn't want correspondence from them except in writing.

 

I did of course deny any knowledge of the debt and demanded a copy of the original CCA (which I doubt that they have.

 

Wescott (The original DCA offered a 50% discount on the debt on the second letter which tells me there is a good chance of them not having the full paperwork.

 

Just though this may help people dealing with these.

 

Michelle

[maroondevo52]

Hi,

 

I've moved this thread to the appropriate Forum.

 

Regards,

 

Scott.

[shelly69]

thanks hope this can help someone

[unclebulgaria67]

What type of debt is this e.g credit card, catalogue debt ?

 

Is the debt on your credit record ? You should check and if it is not showing, could it be statute barred ?

[dx100uk]

discount letter = ignore the debt

 

is this on your cra file?

 

see below

 

dx

[shelly69]

Hi

no unfortunately it was originally it was with greenwoods (provident personal credit) a couple of years ago

 

background is

Not long after, everything went pear shaped husband became disabled since then loads of debt

 

last year I had a heart attack at the age of 43 due to stress from a loan company (secured loan on house threatening repossession

even though house is in negative equity)

 

house finally repossessed early this year

 

husband also went bankrupt in April.

 

best thing that could have happened as it has taken so much stress off.

 

 

started getting letters from wescott few weeks ago didn't reply+

 

in there second letter they offered to reduce the total amount owed by 50%

 

thanks to this site I realised this meant they may not have all the paperwork (confirmed by a friend who happens to be a debt collector)

 

decided to request a CCA and see what happens.

 

I know this may sound mad but we have nothing left to loose other half is on means tested benefit and Bankrupt.

 

My only income is from carers allowance and child benefit so I know that if they go for a CCJ (my credit rating is already in the toilet)they will only get a token amount.

 

I have decided to have some fun and give them the run around as payback for all the stress they caused as they are not the only creditor.

 

the worst one is central credit who we had a secured loan from even after we sent them a estate agents valuation

which proved the house was in negative eqety

 

they were still demanding £600 per month or face repossession (recently admitted that when house is sold they will have to accept £1 per month

for the shortfall of £47,000 as my only income is benefits) .

 

I would just like to say thank you to all the people on this site as it only because of them and there advice that I have the knowledge and confidence to be able to deal with these people

[shelly69]

the original debt was on noddle

[BRIGADIER2JCS]

Firstly I would like to thank the community of CAG as it has got us out of a mess a few times.

 

Currently; we are dealing (or in our case - not co-operating) with Scotcall.

 

On all their letters they put only a 0844 number, their non-0844 number is: 0141 248 7400.

 

It won't let you do 141 in front but I called and made sure that I said I didn't want correspondence from them except in writing.

 

I did of course deny any knowledge of the debt and demanded a copy of the original CCA (which I doubt that they have.

 

Wescott (The original DCA offered a 50% discount on the debt on the second letter which tells me there is a good chance of them not having the full paperwork.

 

Just though this may help people dealing with these.

 

Michelle

 

Did you make a formal CCA request and send the required £1 statutory fee?

Is this on your credit files you need to check if you haven't done so.

[shelly69]

no

 

I made the request over the phone but I will now put it in writing what would be the best way to pay the £1.

 

yes it is on noddle (double checked this morning) still under provident don't think it is on any of the others.

 

strange thing was the joint secured loan with central trust wasn't even though we have had a copy of the original contract.

[dx100uk]

greenwood doorstep loans

 

hence the discount

 

they'll never go near a court with a doorstep loan

 

ignore them

 

dx

[shelly69]

Thanks, that's the answer I had hoped for. What about scotcall, if they call at the door?

 

Thanks

Michelle

[dx100uk]

tough on them

 

they are NOT BAILIFFS

 

and have NO SUCH LEGAL POWERS

 

tell them to leave the property

 

if not call the police

 

dx

[shelly69]

Thanks DX. That's exactly what I will do. If they try to get in they will be stopped so could be fun.