Wescot chasing old RBS credit card debt

[Halibutt]

Costs dear Halibut, they know the judge would never award costs for postage.

 

My point was more my usual "rubbishing their claims" - if it's such an urgent matter, why send second class if they want a fast response?

 

Makes a mockery of the whole "Immediatley" and "as soon as possible" guff that they come up with. Empty words, meaningless threats. And proveable in court

[BRIGADIER2JCS]

Bear in mind that the desk jockey phoning has NO IDEA what the muppet two desks down is doing.

[Halibutt]

Exactly...

[lowwill]

Good Morning all,

 

well have received a letter from Wescot this morning with the heading in large red letters telling me it is a final notice.

 

It also tells me that their latest enquiries have confirmed that I live at this address but they add that they have not received a reply to their previous correspondence.

 

That is despite my having sent them a CCA complete with P.O. about 10 days ago and it was sent needing them to sign for it.

It was signed for on 10-07-2013.

 

They have incidentally telephoned me twice over the last two days leaving a message requesting me to telephone them, needless to say I have not.

 

Todays letter now gives me a further ten days to comply or else it will result in further action being taken.

 

Any further advice please?

 

Do I wait for the expiration of the CCA request or/and are there further letters it is felt would help my cause?

Edited July 18, 2013 by lowwill
Add a further sentence

[BRIGADIER2JCS]

Hi lowwil,

 

Automated threatogram, explanation as before.

[lowwill]

Brigadier2JCS what is the next stage I should contemplate if they do not respond to my CCA request which incidentally is due on 16th I believe. I sent it on the 9th?

[BRIGADIER2JCS]

Brigadier2JCS what is the next stage I should contemplate if they do not respond to my CCA request which incidentally is due on 16th I believe. I sent it on the 9th?

 

12 + 2 working days for the CCA to be complied with. If they do not comply the account goes into dispute until they do.

[Peterbard]

Good Morning all, well have received a letter from Wescot this morning with the heading in large red letters telling me it is a final notice. It also tells me that their latest enquiries have confirmed that I live at this address but they add that they have not received a reply to their previous correspondence. That is despite my having sent them a CCA complete with P.O. about 10 days ago and it was sent needing them to sign for it. It was signed for on 10-07-2013. They have incidentally telephoned me twice over the last two days leaving a message requesting me to telephone them, needless to say I have not. Todays letter now gives me a further ten days to comply or else it will result in further action being taken.

Any further advice please? Do I wait for the expiration of the CCA request or/and are there further letters it is felt would help my cause?

 

 

HI what exactly does the leter say ?

 

Does it say they may take farther action or that further action in the court will commence.

[lowwill]

Hi Dodgeball the two relevant sentences are; 1. Unless you contact us to agree payment blah blah blah within the next 10 days, further collection activity will be taken to recover the full outstanding balance. (This despite my having written to them) 2. Please do not ignore this letter as this could result in further action being taken to recover the debt.

[Peterbard]

Hi Dodgeball the two relevant sentences are; 1. Unless you contact us to agree payment blah blah blah within the next 10 days, further collection activity will be taken to recover the full outstanding balance. (This despite my having written to them) 2. Please do not ignore this letter as this could result in further action being taken to recover the debt.

 

Yes it is not a letter before action, if it were it wold have to state the exact remedy required(the sum).

 

Dodge

[lowwill]

Well guys it is now 14 days plus 1 since I sent my CCA request and apart from a letter I received on the 18th (see above) telling me it was a final demand I have recived nothing. I have a feeling they have called me about a dozen times but my phone system blocks all unwanted incoming calls so I cannot prove it was them. My main point of asking is what do I do now? If the a/c is in dispute what does that involve and who blinks first?

[Peterbard]

Well guys it is now 14 days plus 1 since I sent my CCA request and apart from a letter I received on the 18th (see above) telling me it was a final demand I have recived nothing. I have a feeling they have called me about a dozen times but my phone system blocks all unwanted incoming calls so I cannot prove it was them. My main point of asking is what do I do now? If the a/c is in dispute what does that involve and who blinks first?

 

Yes the ball is in their court, although failure to respond to the request does not mean that the account is in dispute sadly, if it did they would have to suspend all collection activity until the dispute was resolved, as it is they just cannot enforce in court until they comply.

[lowwill]

So Dodgeball are you suggesting that we just sit and wait for them to blink first?

[Peterbard]

Well you have a response to any threats of intended enforcement now, they cannot they have not complied with your request. It probably wont stop them pestering you, but you never know.

 

There is not much you can do now but wait and see.

[lowwill]

Thank you Dodgeball I appreciate all the help and support you offer.

[BRIGADIER2JCS]

Thank you Dodgeball I appreciate all the help and support you offer.

 

Hi lowwill, is this 12 + 2 working days or 14 calendar days that have elapsed??

 

If it is the 12+2 day dead line then send the account in dispute letter from the CAG library, don't wait any longer, it puts them on notice that you are aware of their obligations even if they can't be bothered to reply.

[lowwill]

Good point Brigadier, I've just checked. I actually posted the letter with P.O. on the 9th, they received and signed for it on the 10th, so by my reckoning that means (12 + 2 working days) should be up on Monday 30th. Hope I've got that right at least.

[Peterbard]

The problem with letting them know that they cannot enforce, is that it will encourage them to concoct a reply, and then they can, much better to keep that card up your sleeve in my view, the none compliance would not render the account in dispute in any case as stated earlier.

[lowwill]

Well guys I never expected this this morning from Wescot, now what?

 

"Following your recent request for a signed agreement, our client has requested you write to the following address and state in your covering letter that this is a section 77/78 request and enclose a £1 PO or cheque payable to our client."

 

They have even returned my original £1. P.O.

The address they have given me is a Card Customer Services address.

Now this after bombarding me with telephone calls that I never answered and two rather severe letters. As I said in my opening sentence, now what?

[BRIGADIER2JCS]

lowwill, that reply is typical of the bone idle an incompetent dross of the debt collection industry and company that replies in this way should be cut out of the loop, so a terse note to their 'clients' Compliance Manager' reporting their agents failings together with a CCA request an £1 payment.

 

Also say that because you have no confidence in their agent you will NOT deal with them in future.

 

This has resulted in the 'client' taking back control of the account which would be far better you.

[Peterbard]

Hi lowill

 

Have you had any more thoughts about this debt, do you think it is legitimate ?

 

If you do not you need to put the account firmly in dispute.

[lowwill]

Guys I'm really not sure what to think now, in fact I must be losing my mind. Yesterday I received a letter from Wescot dated 23 July sending me my £1 P.O. back and telling me to write elsewhere, when today I've just received a letter again from Westcot but dated 25 July telling me their client has agreed to my being offered a Reduced Settlement Offer and to contact them urgently to agree a suitable offer or further action will be taken to recover the whole amount. They have also kindly given me the opportunity to consider a realistic repayment plan.

So my thoughts are; 1. Have they given up because they cannot provide a CCA or 2. They are just trying to get me to pay something or 3. Are they trying to make my 68 year old mind go completely?

Help, any answers gratefully received.

Or as mentioned earlier does the desk at the end of the room not know what the desk at the other end is doing?

Edited July 27, 2013 by lowwill
Additional sentence

[BRIGADIER2JCS]

No doubt Wescot are saying write to their client directly of the CCA, which is just plain incompetence.

 

The discount offer given what we already know is a sign of desperation because there is either no CCA in existence or they have one that is flawed.

 

I would suggest a letter placing the account into dispute, and a copy to Wescots 'client' saying a Wescot are failing to deal properly with this matter properly you will no longer deal with them and as no valid CCA has been produced no further correspondence will be entered into with either party.

[Peterbard]

Guys I'm really not sure what to think now, in fact I must be losing my mind. Yesterday I received a letter from Wescot dated 23 July sending me my £1 P.O. back and telling me to write elsewhere, when today I've just received a letter again from Westcot but dated 25 July telling me their client has agreed to my being offered a Reduced Settlement Offer and to contact them urgently to agree a suitable offer or further action will be taken to recover the whole amount. They have also kindly given me the opportunity to consider a realistic repayment plan.

So my thoughts are; 1. Have they given up because they cannot provide a CCA or 2. They are just trying to get me to pay something or 3. Are they trying to make my 68 year old mind go completely?

Help, any answers gratefully received.

Or as mentioned earlier does the desk at the end of the room not know what the desk at the other end is doing?

 

If it were me and I was unsure whether I owed the debt, I would maintain that the debt was not mine and make them prove otherwise.

At the very least they should cease all collection activities until they can come up with some proof of liability.

[lowwill]

Hello guys, well I gave it a week to see what would happen and two things actually have. Over the last week I have received several phone calls all at differing times including and upto 7:30 at night. Fortunately my telephone system stops these calls actually getting through to the voice stage, the second event is yet another letter this morning giving me the opportunity to take control of my outstanding balance. Also informing me that Wescot and it's dedicated agents want to help me gain a fresh start.

The consequences of all this are that I have now picked the letter from the CAG library Formal Complaint/Account in Dispute and in the next few minutes will take it to the PO and send it registered.