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wescot refuses to send CCA on old natwest debt

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Hi all,

 

I have been on a DMP for a few years, and I have requested a CCA (using the official format and the 1£ fee which was duly sent). The Debt is for an old credit card which I had with Natwest. Moving forward I have been on a DMP for 7 years, currently the debt is managed by Wescot. According to the Debtor I owe about 1.3K on it, however I thought it was lower. Anyhow, I have requested for a CCA and received the following reply:

 

"following your recent request for a copy of the signed agreement, our client has requested you write to the following address and state in your covering letter that this is a section 77/78 request and enclose a postal order or cheque payable to our client

 

CCA requests

Card customer services

xxxx

xxxx

 

There is currently a monthly payment arrangement set on this account

 

************************************************

 

Now I am confused! I thought whoever managed my account is lawfully required to send the CCA and so on? I am planning to stop the DMP and I was wondering what the consequences of it would be? Can they put a "mark" on my credit score? ((the account was opened in 2003)...should I send the follow up letter reminding them of their duties and so on?

 

Advice welcome.

 

(PS the reason I asked for the CCA was to ask for a full and final offer etc, but that reply got me slightly annoyed!)

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Westcot do not buy debts...simply ambulance chasers...your request should go to the legal owner or the original creditor in this case..Nat West.

 

Regards

 

Andy


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hope you are doing the same to all the other debts you are blindly paying through that DMP

who's it with I hope its not a fee paying one!


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi dx100uk

 

Indeed I am :)! Your valuable help has been great! I am indeed going full head on :)

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get your debts out of the cash cow milking parlour..

who was/is the DMP with?

wanna list your debts paid thru it?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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