wescot chasing halifax credit card 'debt'

[bigbrian63]

hello

 

im new to all this and not sure where to start

 

ive been in financial trouble and been unbale to pay my halifax credit card

i currently owe them 15,120 33 p

 

until 4 years ago i was paying them 350 a month but

i lost my job and home so was unable to pay it

 

i did write to halifax and it was agreed at first i paid 20 a month

then for the last 3 years ive been paying 1 pound a month

 

when i moved house i did not tell them my new address scared they would come after me

i never told my wife about this debt

 

ive been paying like a said a 1 for nearly 4 years

they have defaulted my credit rating

 

at first i got letters from halifax then it seemed to have been passed on to albion collections for 6 months

then for the last 3 years blair oliver scott

 

i continued paying 1 pound by putting a pound in a bubble wrap envelop using my old address

i know silly but im so scared of letters coming to new address council housed me

 

i continued to write a letter once a month to them with pound enclosed with old address at top of letter and remebering when its due

 

on monday i got a letter at my new address from a company called wescot debt collectors

saying i have to pay in full 15,120 in 10 days to avoid further action

 

i was so shocked i ripped it up and threw it in the bin

 

then i wrote a letter with old address at top of page as normal sending a pound to balir oliver scott not wescot

 

how have they found me?

 

are they fishing?

 

have they looked on electoral roll?

 

if i get further letters do i put not known at this address and send it back in post?

 

is it because i have not paid the agreed pound for 3 months?

 

what are my rights?

 

i cannot pay this off i have no assets or savings

 

will they keep sending me letters?

terrified wife will get post

 

would they come knocking on my door?

 

surely many people have the same name surely they cannot be sure im the correct brian?

 

i dont want debt collectors/baliffs on my doorstep

 

can they take me to court?

 

do they have to prove im the right man?

 

im scared i cant afford to clear this debt ever

 

why has my debt been passed from one debt collector to another

 

sorry about all this

please can you help

 

brian

[huggy41]

first off this site is to help people pay what they owe if they owe it in an affordable way not the dca way.

have you ever claimed back the charges and ppi on the credit card.

 

STOP USING YOUR OLD ADDRESS

 

if i where the new owner or tennant of your old address i'd be well annoyed and looking to find your address will have been found on the electoral roll and your credit report.

[bigbrian63]

i dont think i have any ppi charges

if i get another letter cant i just put not known at this address and send it back?

[renegadeimp]

Ignore westcotts silly demands. If i were you, i would either totally ignore them for now, as youve been clearly cashcowed for years, or send them a CCA request.

[bigbrian63]

what do i do if i get another letter?

will they turn up on my doorstep

[renegadeimp]

They wont come to your house, and if they do, just tell them to bog off.

 

As for another letter? Bin it. Unless it is court documents which is VERY unlikely.

 

I would say ignore for now until you get a proper letter and not a standard form letter they mail out in the thousands. Then consider a CCA request to see if they even have the correct paperwork needed to collect the debt.

[bigbrian63]

so there not baliffs? can i send the letter back as not know at this address?

[theoldrouge]

No they are not baliffs . You really need to discuss this with your wife.

 

Your name and address will be on the electoral register and your credit file.

 

They will continue to write to you even if you send the letter back.

 

Imo you need to deal with this correctly and send a cca request to westcotts,

 

If it turns out that they do hold the necessary paperwork,

 

in your circumstances, nothing then to stop you offering £1 per month

 

they will not want to instigate court action when you have no assets

[dx100uk]

a dca is not a bailiff and never will be.

 

they have no such legal powers.

 

you really need to address this

 

get a CCA request off to wetcloths

 

don't sign the letter

and use a blank £1 PO.

 

i'd expect you have £1000's in PENALTY charges?

 

have you got all the statements?

 

if not send haliprats an SAR

 

 

dx

[bigbrian63]

i dont think i have many statements

i did have when i was at the previous address and

 

i was paying 350 a month but since i moved i did not forward my mail to new address

 

for the past 3 and bit years ive had no statements

i had my mail set up for 1 year to collect at post office

so wife would not see mail and halifax would not know new address

 

nowadays i just send off the 1 pound a month to bo s but not sent anything for three months now i get this westcott letter

 

i dont think i have any charges its been 15, 120 for ages

 

i did write to them saying im jobless and they agreed to 1 a month i dare not look at my credit report

i just hope they dont turn up here

[citizenB]

Is this the only debt you have ?

 

You really need to deal with this, it is a large debt and Halifax will either sell it on to a DCA who will make your life even more miserable. Or either Halifax or any new owner could take legal action.

[bigbrian63]

doi continue paying a pound to blair oliver scott? as that is who i have paud for over 3 years

does anyone know why it has suddenly gone to wescott?

 

could they take me to court?

they are wasting their time as i cannot pay ore than a pound a month

 

i owe 1,700 to rbs

 

again i have been paying 1 pound using my old address by sending it before due date as no statements

 

about 2 weeks ago i got a letter from moorcroft? who? saying they are wroking on behalf of rbs

 

i wrote not known at this address and out it back in the post

 

i take it they got my details off electoral roll which i did not want to be on

 

but a lazy kept coming to the door saying its law to be on the electoral roll

 

ive not had another letter from moorcroft since i posted it back

 

touch wood

[citizenB]

You do indeed have to be registered on the electoral roll it isnt something you can opt out of.

 

You will find that your name/address will be available if you apply for utilities,tv licence, mobile phone, council tax, any other forms of credit.

[bigbrian63]

so what do i do now?

just continue to pay a 1 pound to both? but do i pay the pound to bos or westcott?

[dx100uk]

who is wetcloths client?

 

dx

[renegadeimp]

You dont have to be on the electoral roll, but it is very detrimental to you if you arent. Simple things like driving licences and passports are a lot harder to update and check if you arent on there.

[bigbrian63]

the debt is halifax first went to albion collections then blair oliver scott now westcott why does it keep moving

[renegadeimp]

Cos youre a cash cow and everyones trying to get money out of you as you are paying without question.

[bigbrian63]

but dont i have to keep paying a pound? forever? will the debts ever get written off? theres no way i lever be able to pay them off

[theoldrouge]

re read posts nos 8 & 9 Brian get those requests sent first

[bigbrian63]

ok

 

but what good would that do

[dx100uk]

p'haps make you understand what you need to do.

 

have you ever received any statements from RBS or anyone that your payments are getting there.

 

Just because you don't want your wife knowing doesn't mean you should be taken for a ride

[bigbrian63]

ive not received any statements at this new address since i moved here in nov 2010

 

i had my mail on a year long po box so i picked it up at main sorting office where i got default notices

and i sent letters telling them of my situation and they both agreed to a pound a month

 

after the year ran out at sorting office

i just sent the agreed 1 pund to both rbs address southend and hbos fife

 

ever since ive had nothing here until

 

2 weeks ago when i got one from moorcroft re rbs

 

which i returned not known at this address

 

then the other day from westcott which id ripped open so i could not sent it back instead

 

i sent a pound to the original b o s address in fife

[dx100uk]

so they know where you are its on your credit file obv.

 

no point in hiding.

 

go get your credit file

 

lets see who owns the debt .

 

dx

[bigbrian63]

i presume halifax