Response from debt collector, advice please.

[Indywins]

Hi Everyone

 

I recently received a debt letter from a company I have never heard of for an amount I don't recognise. A company called Wescot who is acting on behalf of Idem servicing (I have never heard of either before)

 

I requested a full statement of account, a copy of the agreement and a signed true copy of the deed of assignment.

I put £1 in the envelope to cover costs under the CCA guidelines, although it was a coin rather than a postal cheque.

 

This is the response i received.

 

"We refer to your letter requesting a copy of the credit agreement for the above account, pursuant to the consumer credit act.

 

We are not the creditor for this account but are instructed on behalf of the above client (Idem servicing). In the circumstances, we are returning your £1.00 coin. Please provide a £1.00 cheques or postal order made payable to idem servicing. You can either send your request direct to our client or resend it to us and we will forward it to them.

 

Also order for us to breach of the data protection act and continue with your enquiry, it would be most helpful if you could confirm your date of bitg and the last address that you have resided together with the date vacated.

 

In the meantime, you will need to make arrangements to pay the account. We shall place the account on hold for 28 days to enable you to agree a repayment arrangement"

 

My question is that they should surely hold those details if they are indeed acting on behalf of instruction? It seems odd that i have to go around them to get that information. Also the fact they are asking for my DOB and former address worries me.

 

What do you guys suggest i do next? I'm half thinking to leave it for now as if this was above board they should have the information i requested shouldn't they? If they start up again after these 28 days I'll write a letter of complaint as they have still failed to provide evidence and under the CCA they are unable to enforce an agreement if they fail to comply with a request

 

Many thanks for your help and advice.

[maroondevo52]

Hello and Welcome,

 

Have you checked your credit file.

[fkofilee]

They are unable to accept actual physical money for something like this.

 

It's has to be a postal order from the post office or a cheque... Preferably the PO on this case...

 

But I think it's safe to ignore... We have no clot (cough *Westcon* cough... Not to be confused with similar named companies) never does court as they merely act as agents these days....

[dx100uk]

hope you are not following a freeman of the land site?

 

under a CCA rquest

you have no right to request the deed of assignment

you'll never see that only the notice of assignment

 

why don't you follow and use our CCA request?

whats the debt these fleecers are milking you on please?

[Indywins]

Hi all

 

Thanks for the replies so far.

I have requested my credit file with experian and awaiting the "passcode" to access it online,

so no i haven't seen it yet but i plan to at the earliest opportunity.

 

I didn't realise that the deed and the notice were two separate entities, so i will amend in any future correspondence.

What's the difference between these two assignments?

If advised I will send them another letter from your link with an attached postal order of £1.00.

 

In regards to what the debt is that i'm being fleeced on.

I'm not sure i understand the question, the amount is £341.

But they've not said where it originated from other than Idem servicing,

which from what i can tell is another debt collection agency.

 

I really just want to know what it is, if i owe it that's fine

but i have no recollection of this amount

and i've never had any contact from/with Idem servicing.

So i just want them to tell me it's origins and to prove it's a legitimate claim.

 

Interestingly i've received a letter offering me 50% discount after they have

"written to me numerous times but have not received a response".

 

 

This letter is dated after their response to my letter.

Still not telling me what the debt was originally.

I Imagine its probably an automated letter though.

 

Thanks again everyone

[dx100uk]

discount letter?

says it all really.......

 

 

dx

[Bazooka Boo]

Idem Servicing is a trading name of Paragon....your guess is as good as mine?

 

As DX says, 50% discount, seems legit!! :laugh:

[renegadeimp]

And they mean that ANY Debt agency offering ANY discount is almost always trying to con you. They will not offer a substantial discount on a debt unless theres something very wrong with it. No paperwork, full of charges, statute barred etc. The debt may not even be yours.

[brassnecked]

The initial letter may have been a phishing expedition, as in a Mr Jones owes money, debt sold on and on, it may even be Statute Barred, so fleecing DCA sends a letter to 100 or more Mr Jonsese hoping the right one or as they don't care who pays any one contacts them.

 

Personally I would have ignored them, but check credit files anyway.

[ericsbrother]

they are asking for your previous address and DOB details because they dont know who you are.

 

 

As said, they have written to a number of people with similar names and will take money off any or all of them,

regardless of who actually owes their client anything.

 

 

Give them the detals and you may find they use them to create a false entry in their files

[renegadeimp]

they are asking for your previous address and DOB details because they dont know who you are.

 

 

As said, they have written to a number of people with similar names and will take money off any or all of them,

regardless of who actually owes their client anything.

 

 

Give them the detals and you may find they use them to create a false entry in their files

 

Wescot are known for it. Hence their " security questions".

[Old Cogger]

Wetcloths up to their Phishing tricks again, mass mailing to anybody with a certain name! see if ever they contact again!

[brassnecked]

Wetcloths up to their Phishing tricks again, mass mailing to anybody with a certain name! see if ever they contact again!

Deffo a phishing expedition, ignore ignore, then ignore some more.

[Staraker]

You could always provide them with false details (different DOB, fictitious middle name/s, etc.), then complain to the regulators when then send you a fraudulent demand based on them!

[Bazooka Boo]

You could always provide them with false details (different DOB, fictitious middle name/s, etc.), then complain to the regulators when then send you a fraudulent demand based on them!

 

Er, no!

 

It is highly unlikely that they themselves would commit to such fraud, so don't open yourself up to any such allegations.

[Staraker]

Er, no!

 

It is highly unlikely that they themselves would commit to such fraud, so don't open yourself up to any such allegations.

 

An allegation of what, exactly? Catching out unscrupulous DCAs at their own game?

[Bazooka Boo]

An allegation of what, exactly? Catching out unscrupulous DCAs at their own game?

 

No of providing fraudulent details.

[Staraker]

No of providing fraudulent details.

 

 

 

If the DCA was pursuing the wrong person in the first place, it wouldn't be fraud. If they looking for a John Augustus Smith but they're writing to every John Smith in the country only stating John (no middle name) Smith, that person replying to the effect that they're John Carmichael Smith doesn't make them any more or less the wrong person than they are already.

 

We know that DCAs target people with the same name on a mass basis, and it's widely thought that they probably aren't fussy about which one's they manage to fool into coughing up, or even if multiple people do so. God forbid anyone actually tries to catch them out in this practice, if it really is happening....