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Wescot/Idem Paragon - Halifax Overdraft


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Hello.

 

I sent a CCA for this account to Wescot who have replied within 48 hours sending back my request and £1.

 

The last contact I had for the account was last year from Wescot and I never received a change. Do I abide by what they say and send to Paragon or is it Idem? I’m confused it they are the same or not.

 

Letter

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Sorry to double post I can’t edit. But I have now read a CCA for an OD isn’t correct. So do I just leave this?

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Yes you should just leave it.

Probably a good idea to slow down – start reading up and also wait for advice before you start firing stuff off

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when did you open this A/C

and when did you last pay anyone anything?

 

it's always better to consult CAG before rushing off and sending anything to anyone.

 

OD 's aren't covered by a CCA request

and wetcloths don't buy debts so are not the target of a CCA request anyway and should never be responded too...

 

dx

 

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, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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@BankFodder 
I will do. Apologies I got carried away, only realised when the letter came today when I read further into it

 

@dx100uk

This could be a year or two now.

I just found an older letter about it from Westcot.

I believe that was from last year & the overdraft itself is from around 2011 or 2008.

There were two but as they’ve gone off my report now I have no idea which one it is.

 

I’ll wait for the next letter to arrive i suppose (if it does at all) from the creditor now and then seek advice as instructed 

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no harm in sending haliprats an sar.

if the a/c is +10yrs odds on the balance is mostly penalty charges and the int they attract.

which is why they sold it for <10p=£1 rather than take you to court and crush you dead

 

think about 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, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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  • 3 weeks later...

Hi dx

 

sorry for late reply didn't realise you had replied. When I think back I have had at least 2 cheques in response to charges from HF in the past few years (I had a student OD and a current account) if it effects anything

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but not related to this a/C 

i bet the sar will reveal the real truth of what the balance really is made of.

 

even if this did result in a speculative DCA court claim.

we don't lose many OD claims here.

 

dx

 

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, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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  • 5 weeks later...

Hello just to update I received my Sar today.


I plan on looking through at the weekend, if I’m not mistaken it also shows the price of the debt sale of my previous accounts.

 

 If I am reading it correctly it’s 45p!

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prob 45p=£1.

thats quite high actually

typically it's <25p and as low as 1p!!

 

 

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, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Hi DX

 

I'm really confused with things they've sent over, 

 

This is the charges I can see on this account (Student OD) 

 

Took the account from around 1249 OD then to 1691 by the end with these charges

there were token payments made in-between of about £1 from me.

 

 

Screenshot 2020-08-07 at 14.24.34.png

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pop those in this foscisheet

put their OD int rate in cell D15.

 

 

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, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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scrub that then.

use the statint sheet.

 

just put the charges in only

the sheet does the rest.

 

 

 

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, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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put the formula back in the claimto date box

it is an active reclaim so runs until settled 

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, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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So that amounts to about £700 at the current date today (with the formula back in)

 

Do I contact HBOS about these? I looked in the debt collection library but couldn’t see an overdraft letter.

 

Or is it a case of leaving it

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You indicated earlier you have already successful ly reclaim ed charges?

DXx

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, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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They automatically sent me a few refunds from charges but I believe they weren’t this account it was another overdraft current account I had with them.

 

There is a letter in the SAR for the other account number about a cheque refund

 

I never contacted them

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ok well that puts the a/c in serious dispute.

 

pers as long as idem have your correct and current address i'd leave until/unless they send a letter of claim.

 

dx

 

 

 

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, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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