Jump to content


  • Tweets

  • Posts

    • Apparently some journalists have heard that Sunak may call an election next weekend or in the week following the bank holiday Monday. With the election to be held at the end of June. Rishi Sunak could call snap general election | Politics | News | Express.co.uk WWW.EXPRESS.CO.UK Here's why the Prime Minister could announce a general election soon  
    • Found a BMA article related to this subject which I think the OP will find helpful. Patients recording consultations WWW.BMA.ORG.UK Our guidance answers if patients can record doctors without permission or covertly, how to respond when a patient asks to record their appointment and what to do if a covert recording is posted online.  
    • Ah - that was another thread that got merged back in 2018   That 'split' doesnt refer to this legal matter  
    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

old credit card debt with RBS transferred to WESCOT = WHAT TO DO??


HDEBT
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2511 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello forum, hope someone can help, even just a little bit.

 

I have an old credit card debt with RBS which for the last 2-3 years I have paid a pound a month.

 

 

I am not registered on any electoral role as I dont have a home.

I stay on friends floors or with some family and also pay for Bed and breakfasts and this has been since October 2014.

 

My debt is 5, 855 to RBS.

At an old address (where I still go and get post),

 

 

I have a letter from RBS stating that RBS have partnered with Westcot Credit services

who will manage the remainder of my plan.

And they will contact me within 14 days.

 

What do I do?

I dont have extra money from working as this goes on accommodation when I cant stay at other peoples houses,

and I was paying £1 month.

 

Its making me to the point of despair and life isnt easy as it is.

A relative has offered to pay them £1,000 to get rid of them due to me being so down with this.

But I dont think they will take such a small amount to get them out of my life.

I just have come to the end of my tether with it all and trying to survive not just live.

 

Can anyone offer a small bit of advice.

I hate all this over my head, for the sake of this amount I just have had enough,

I dont know how to handle what Westcot will do and had enough.

Help anyone please.

Kind regards

H

Link to post
Share on other sites

Hi HDEBT and welcome to CAG

 

You can continue to pay them £1 a month (RBS and ignore Westy)...I would also request a copy of your agreement from RBS using a section 78 request and see what response you get.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

What does me doing this mean? (copy of your agreement from RBS)

and using a section 78 request? Is that a specific way I need to do it?

Thank you for the welcome

Regards

H

Link to post
Share on other sites

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

just remember that wetcloths are a DCA

 

a DCA is NOT A BAILIFF

 

and they have

NO SUCH LEGAL POWERS.

 

don't waste that relatives money either!

esp to a DCA!!

 

ignore them totally and pay RBS as advised

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

thank you for link - which i have read and can do the letter, I just dont understand what it means by doing this. If they dont reply (RBS) in 14 days what does that mean to me? The debts gone or I dont worry anymore?

 

DCA - Westcot I have read so much on the internet about their nasty techniques and how they work, it does worry me.

 

Regards

 

H

Link to post
Share on other sites

Although you have just made me smile calling them the unusual name for Westcot.

 

Would it not be worth me trying for the Full and final settlement to RBS and offer the £1,000 against the £5,855.

 

Surely they would accept this than gain nothing but a £1 for the rest of the next god knows how many years.

 

This is the only debt I have and could sort myself out if this was gone for good, I worry it hangs over me all the time.

 

Just want to have less worry and my life back with no debt and start over.

Link to post
Share on other sites

Oh, so they probably wouldn't want to know?

Thank you for replying anyway.

 

I thought that some things better than nothing and then they would have money. So what happens with section 78 letter I am typing to send.

 

Thanks for the help anyway

Link to post
Share on other sites

it checks they RBS hold the paperwork to legally enforce the debt.

if they don't then it drastically changes things to your advantage

 

 

can you remember when you took the card out?

might be an idea to check your credit file too?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Its quite a few years, I am not completely sure.

 

Possibly 6 years or so, could be more.

 

I presume RBS hold all the paperwork but I have already got the letter ready to send as you advised.

 

Have not checked my credit file for many many years.

 

How do I check it.

 

I think years ago I had to pay to check it with a company.

 

What do I need to check on the credit file?

 

Oh god I dread what is on the credit report file,

but would be helpful in possibly getting my credit back on track so I can eventually find a place to live :)

Link to post
Share on other sites

both noddle & Clearscore are free CRA providers

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Make the request for the agreement...await their response.....check your credit files as advised....then decide on how you wish to proceed.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thank you for help so far. I have got the letter ready to send and will get that sorted.

Thank you for the names of the free CRA providers that will be good to use.

I will wait now and see what happens for the next 14 days

 

Thanks for all help and kindness today and will get back to you to let you know what happens

 

Kind Regards

 

H

Link to post
Share on other sites

But do not talk to, respond to anything from Wetcloths:-)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 2 weeks later...

Easier to scan a copy and upload it here for opinions...(remove any identifiable details first)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

photo? on phone?

read the guide upload

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 1 month later...

I have sent a letter to RBS offering a settlement amount and explaining my situation. This was sent on 6th August 2016 - Over month ago.

 

I have still not heard anything and waiting is not easy.

 

My question is

How long before they eventually contact back with a response?

and

Does anyone have the correct address to which I would send an offer of settlement on RBS Credit Card debt so I can check i have sent it to the correct department (just in case) I dont want it to of got lost

 

Kind Regards

 

Helen

Link to post
Share on other sites

I have sent RBS a settlement offer over one month ago now and still not hear from them.

 

 

How long does this usually take for any response?

 

Does anyone have the correct address I should of sent credit card debt offer to?

 

 

Just in case I am waiting and waiting and it is the wrong address.

 

 

My life is on hold til this is sorted.

 

Kind Regards

 

Helen

Link to post
Share on other sites

would be best to scan up the agreement please

and did you get your credit file?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...