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    • hi all.   In April 2019 I posted about owing 2.3k to PayPal, who sold my debt to Wescot.   Since then there has been a long war of words, mostly thin assertions that 'PayPal has advised us that...', and signatures from staff at PayPal that are supposed to prove that I owe the debt.   I've recently moved house, and am considering my options with the case going forward; I had initially intended to cut them off after the last year with no definitive proof, saying in my last letter that I trusted the matter was closed, providing no forward address.    However, after doing some more research recently I'm slightly concerned about what might happen if I dont keep them at arms distance with letter disputes, and that they may sue me and add the court bills through a CCJ (County Court judgement.) What is the liklihood of this or them finding my new address?    I'm also slightly concerned how my letting agency may react if against odds Wescot send bailiffs to my previous address, as this was with the same letting agency I use with my current house, and also where they will likely continue to send letters.   Advice?   Thanks. -b
    • They automatically sent me a few refunds from charges but I believe they weren’t this account it was another overdraft current account I had with them.   There is a letter in the SAR for the other account number about a cheque refund   I never contacted them
    • You indicated earlier you have already successful ly reclaim ed charges? DXx
    • So that amounts to about £700 at the current date today (with the formula back in)   Do I contact HBOS about these? I looked in the debt collection library but couldn’t see an overdraft letter.   Or is it a case of leaving it
    • If a bailiff does turn up, do not let him in he might try to "persuade" aka bully you into paying the debt as he might try to claim he can force entry, can only do that for a Criminal Fine.   Tell him/her, that named debtor does not live there hasn't for last 12 months, he took his property with him, so nothing is his.  Offer to show a Council tax bill showing you as sole liable person.   Other option is to get a Statutory Declaration sworn at a Solicitors that all property in the house is yours and named debtor is not a resident, and get a couple of Notorised copies, and hand one to a bailiff if they call.  Other thing is if you have a car, they might go after that,  so showing V5 and insurance in your sole name helps with that one.   Above all don't worry, also film them with a mobile to capture any threats.   Unclebulgaria is correct that they shouldn't call if they have a current address, might be worth telling them where he is if they did call on you.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
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      Thanks for reading 
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Stemologica Close Call

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After reading all the messages about the different experiences other people had with this company, boy do I feel EXTREMELY fortunate!


First of all, I should have known better but the only reason I went to their site and tried it out was because Yahoo has Ellen DeGeneres on their home page where it explains how she gave away free samples of Stemologica on her talk show. I'm not sure how they were distributed, whether she bought them and gave them out or she sent people to the site or both. But I really like Ellen and I can't believe she truly understands what this company is doing to people. I'm sure if she's using this, the Stemologica company would NEVER pull this kind of stuff with her! Of course that's a guess. I was thinking of maybe emailing her show to explain the problems people are having with that company and to ask her to stop promoting it and/or get in touch with that company to help others that she led to that site. I would think she's starting to get a ton of emails about Stemologica but who knows?!


In any case, after reading that article I went to the site. I debated whether to sign up because I don't normally ever do anything like that. I only pay bills and buy items from more reputable name companies, like Walmart, and I only use Paypal when purchasing these products. But I was also thinking about my experience with Sheer Cover (a make-up company that sold a mineral foundation) many years ago and it worked basically the same way. My experience with them was great. I tried it for a couple months then called to cancel and that was that! Not a problem at all! So between Ellen and my past experience with a similar type of system, I decided to try it out. I entered all my information and it came back saying something like "didn't accept". I knew it was NOT my account because I knew I had money in it but I started to get nervous that maybe it was a ploy to get my number to use late....I really don't know how these type of scams work. So I started freaking out and called my bank. Low and behold my bank (BB&T) said they did not allow for the payment because it was an outside the US transaction and that they would need more verification. I was so extremely relieved! And even happier with my bank! After reading about all the problems that some people had with their banks not being very helpful, I feel even more lucky!


To anyone and everyone...if your bank doesn't go out of their way to help you in a situation like that, then change banks immediately!!! Way to many banks to choose from and not to mention they make a killing off us consumers. Way more than they deserve and after what the banks did to this economy, they shouldn't be! See, I'm a single mother and live from pay check to pay check. I try to maximize every penny I have. This was suppose to be a treat for myself since I normally buy things for my children first. The real treat was NOT getting it and having more confidence in my bank! Lesson learned!


Thanks to everyone that shared their experiences, information and advice! It was very helpful and even comforting!

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