Battle with Westcot !

[PriorityOne]

Hi Woolny,

 

The solicitors need to be informed that the account remains in dispute as advised.

 

Suggested letter by rec delivery...

 

Dear Sir/Madam,

 

Your Ref : xxxxxx

 

Thank you for your letter of 4th November 2007, the content of which has been noted.

 

Frankly, I am surprised of the need to remind a firm of solicitors about the terms and conditions surrounding a legal request for a copy of my Consumer Credit Agreement (Consumer Credit Act, 1974); received by xxxxxxxx on xx/xx/2007, followed by a letter dated xx/xx/2007 to remind them that the above account remains in dispute. I can only assume therefore that they failed to inform you.

 

Should you/your client now persist with threats of legal action after the seven day period mentioned in your letter, I will welcome the opportunity for a judge to look at several offences committed by your clients under The Consumer Credit Act, 1974 as well as your own non-compliance with and total disregard for the law on this occasion.

 

Yours faithfully,

 

 

[kennyparkroad]

i like that letter PO, seen it all over the forums, and i admit to having used it on more than one occasion

[PriorityOne]

Cheers Kenny.... worked a treat with the sols. A & L were using. Never heard from them again....

[woolny]

Hi,

 

Have not sent anything back yet, as Issues with my car/laptop being stolen so mind on other things !

 

Was about to send something off today & received another letter through the post from Westcot stating that they have written to me on a number of occasions & various threats of referring to a 'door step recovery' organisation etc etc

 

Seems they are just churning out there standard list of letters & hoping for a response.

 

My gut feeling is to just ignore, rather than stoking the flames by sending a letter - however I don't want it to cause any further problems.

 

Should I still send the letter to solicitors, even though Westcot have now sent me a follow up letter directly ?

 

I'm hoping to be able to come up with a Full 7 final settlement in New Year, but deffo do not want to settle for more than 25p in pound (same as I negotiated ith other debts)

 

Once again thanks for all help on this.

[kennyparkroad]

i would still send the letters, incase they do take further action.

[woolny]

Received yet another letter in the post today advising that a door step collection visit would take place unless I ring them !

 

I send off another letter advisign them thy have still not given me a proper copy of the credit agreement.

 

As this debt has been in query for so long - and was originally taken out in 2002 - would this drop off my credit file this year ? - as if I pay it and it becomes satified/settled etc - do I have to wait 6 years from the date of it being settled ?

 

Also do you think Westcot would take a full & final offer below 25p in pound ?

 

Appreciate any replies

[PriorityOne]

If you still want to go ahead with a F&F settlement offer, make sure that any default/adverse information is removed from your credit file as part of that offer.... and get it all in writing.