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    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
    • @dx100ukI never got a response to my SAR from Octopus.   But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."   I'm reading the threads now. Any advice on how to proceed? 
    • I would say let them do their worst, it will surely backfire on them. Now with restrictive contracts that stop you working fro competitors- these are notoriously vague so often not worth the paper they are written on. also they have to be fair so for example if there are only 2 companies in the UK that make a certain product your employer cant say you arent allowed to work for the other one. If you were for example trained as a hairdersser and you were going to open a salon in the next street to your ex employer then the restriction would apply if worded correctly. Dont panic about this, your new employer will be au fait with the situation and time spent worrying about a nastly letter will in their eyes take you eye off the ball so concentrate on the new job.
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onebyone

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


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Posted (edited)
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


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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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


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No wetcloths only chase

 

See what happens

 

What's the debt

 

credit card debt..

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Just type

No need to reply with quote...

 

When from please?

£10k card debt..thats unusual


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I have had the card for around 5 years, this year I couldn't pay.

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Looking at my credit report bos debt not in default, all of the others are..:???:

 

Looking at the letter sent prev it is a notice of default.

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really try noddle and clearscore

 

on the Tesco debt

who are moorcrofts clients?

again they don't buy debts/


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Those are the two ive checked.

 

Moorcroft are dealing with tesco loan, moorcroft did credit check last month too. Why have they done that?

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Just shows tesco loan no mention of moorcrofts on noodles apart from the credit check by them.

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Then ignore them too


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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