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Hbos debt - Transferred debt to Wescot


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Bank of Scotland wrote to me saying they may sell debt and the new holder of debt may take me to court.

 

Today i get letter from BOS stating the debt has been transferred to Wescot.

 

Debt in question is close to 10k and was defaulted 4 months, they failed to respond to my token payment.

 

I already get hounded by moorcroft for a tesco debt how do Wescot behave?

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Wetcloths only chase and can be ignored

 

Tell us about the debt history please

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... 

 

 

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Wetcloths only chase and can be ignored

 

Tell us about the debt history please

 

Debt history, debt is close to 10k, stopped paying around may this year, wrote twice to bos to accept token payments, they refused to respond so i ignored them.

 

Around 4 months ago defaulted, today state account transferred to wescot, contact them.

Edited by onebyone
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ignore wetcloths

as in your other thread

a DCA is NOT A BAILIFF

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... 

 

 

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ignore wetcloths

as in your other thread

a DCA is NOT A BAILIFF

 

do wescot not buy debt?

 

BOS said previously that they may sell debt on to DCA who may take you to court.

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No wetcloths only chase

 

See what happens

 

What's the debt

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... 

 

 

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Just type

No need to reply with quote...

 

When from please?

£10k card debt..thats unusual

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... 

 

 

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Share on other sites

really try noddle and clearscore

 

on the Tesco debt

who are moorcrofts clients?

again they don't buy debts/

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... 

 

 

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Then ignore them too

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... 

 

 

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Tesco are a strange bunch, all my creditors were offered token payments, it was this or bankruptcy. Tesco accepted token paymemt for credit card but refused to commit for tesco loan.

 

I just left them. I think in the end i will go down the bankruptcy route.

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well don't do that - no need.

 

wait till these are sold on to debt buyers...

 

then comeback here when you get the notice of assignment.

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... 

 

 

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Dx100

 

Thanks for your assistance.

 

All my debt are after 2007, they can make copies of the agreement like someone told me. Dont think i can rum away from the debts.

 

Step change advised bankruptcy but ive been holding off. BR is last resort..

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you are not running away.

but if Tesco wont accept your offer

after sending the pro rata letter

like the one in the debt collection section of our library

then you send no'2' offering £1PCM for life

that's their problem.

 

as for the CCA

well it still has to be enforceable

which is why I say wait till they get sold

 

if you want to pay what you offer/can

then DO SO

you DONT need Tesco's permission!!

 

 

do it by your interweb banking portal and BACS.

 

there is little need to go BK for consumer debt.

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... 

 

 

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One more important question, do CCA need to have the full terms throughout the credit agreement, my credit limit started low and throughout the period the limit was increased and various times 0% balance transfer options taken up by me.

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usual at ant major changes

so the CCA should have the ORIGINAL T&C's for the date of opening and usually a later set

they don't have to send a new set at each int rate rise.

 

just scan up everything you get back.

we'll tell you if its correct

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... 

 

 

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