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Help needed again with Lloyds Debt

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Good Afternoon everyone.


As the title says, My wife was struggling with a credit card with Lloyds which she contacted them and they started the process of stopping the card and put the account into default.


recently she got a letter from Wescot saying that the debt is now being managed by them.


She recently has just started a new job and got her first wage. spookly, acouple of days after, wescot have texted her saying please get in contact so we can review your account.


she is scared that they have seen money come in and she worry's about anything and I have told her to ignore the text but just wanted to make sure.


We are not even sure how Wescot have her mobile phone number


Thanks Guys

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as with all the advice on your NatWest thread..

the same applies here


you totally ignore wetcloths

they don't buy debts

only chase for their stated 'client'





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Morning Guys, I know this is off topic but I am wondering if you kind gentleman can assist me once again.


RBS have replied to my PPI claim saying that I cancelled in the cooling off period and got a refund,

I have no recollection of this and basically they are saying that if I want to contest it then I have to prove it.


I have attached a copy of the letter. again I have no recollection of cancelling it, let a lot taking out ppi in the first place.


what options do I have if any ?


Again guys, thanks for all your help with everything.

Edited by TheUnknownStuntman

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Hi Guys, Need your sound advice again,


The Mrs got into trouble paying her credit card and spoke to lloyds and arranged to pay Lloyds back £5 a month. This was a few years ago. Then Wescot starting sending her mail but we ignored it.


My Mrs still pays Lloyds back £5 a month however recently she got a letter from Cabot asking her to contact them about the debt and they have taken over from wescot. I tore up the letter thinking its just another DCA. Now they have been attempting to ring her.


She is worried how they got her mobile number. Did I do the right thing? is it just another DCA trying to get her to pay more. Like I said she still pays Lloyds £5 and hasn't missed a payment.


Any help would be greatly received, Thanks

Edited by TheUnknownStuntman

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We didn't say send wetcloths a CCa request

because wetcloths don't buy debts they only chase for their client..whom at the time were the original creditor.


cabot buy debts and you would have gotten a notice of assignment to tell you so


as this has changed hands now.. CCA request time.


this has already been explain if you read from post 1

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just type no need to hit quotes...


you should never talk on the phone about your debts to ANYONE

least of all a ZERO powers DCA

they are NOT BAILIFFS.


a cca request is for paperwork..they must legally hold to fleece you.

not a payment offer.

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