Lloyds CC debt transferred to Wescot. Advice much appreciated

[r1lee]

I have a credit card debt with Lloyds that I agreed to pay £50 a month for the last two years,

 

 

I've now received a letter from Lloyds saying that they've transferred the management of the debt to Wescot Credit Services Ltd and to contact them asap and direct all future payments to them.

 

 

I've not received anything from Wescot yet.

 

 

After reading the great advice on this forum

I'm thinking of sending Wescot a CCA request.

 

 

Would that be the correct course of action?

Thanks in advance

[dx100uk]

wouldn't bother IMHO

 

wetcloths don't buy debts anyway

and are not bailiffs

so have absolutely zero powers to do anything.

 

keep paying what you are to Lloyds

 

when did you take the card out

and have you all the statements and checked for things to reclaim?

[r1lee]

Thanks for the reply

 

Not sure exactly when but it's at least 10 plus years ago. To be honest I don't have the statements, just the ones that Lloyds have been sending since the account was defaulted on.

 

So just continue to send the £50 per month to Lloyds at their address and ignore Wescot?

[dx100uk]

Sar time

 

I hope they have frozen the interest?

[r1lee]

You think I should send a SAR direct to Lloyds?

I'll check the interest on the statement

 

What can I hope to achieve with the information I receive from them?

What am I looking for?

Thanks in advance

[dx100uk]

post 2

 

 

dx

[r1lee]

Sorry if I'm being thick but who else should I send one too?

[dx100uk]

are sorry didn't see the top question

an sar always goes to the Original Creditor

 

 

you are looking for penalty charges

PPI and the like when you get the info.

a card of this age will be littered with them I bet!