Jump to content


  • Tweets

  • Posts

    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Vodafone/Wescot Debt query....


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6151 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello,

 

I've just received a letter from Wescot Credit Services Ltd informing me that I owe them £70 on behalf of Vodafone.

 

They've written to me at my current address, where I've lived for 8 months, but I've ha no dealings with Vodafone for at least a couple fo years. I don't know whether I owe this money or not, but I would suspect that it's the result of them failing to cancel my last contract in accordance with their own terms and conditions. As far as I'm concerned I've always cancelled phone contracts correctly and paid their final bills, so not really sure where this debt has come from or why I've not heard anything of it earlier.

 

My question is, what should I do to ascertain all the facts relating to this debt, so that I can work out if I owe the money or not?

 

Thanks in advance.

Link to post
Share on other sites

Yes, I wasn't sure if they were covered by CCA or not, which was why I asked the question. Will have a look for those stickies.

 

Having said that, if I have a contract, paid monthly in advance, fine. BUT, when I go over my monthly call/text allowance they start charging me 10p a text etc, which I haven't pre-paid and I have a "Credit Limit" (their words) of £100 or whatever that I can use in this way. I'm not sure how that wouldn't be covered by the CCA?

Link to post
Share on other sites

Ok, thats fine then, makes sense I suppose.

 

Anyway, back on track - when I write to Wescot explaining that I do not acknowledge the debt, what documents do I need to request from them and what are their legal obligations?

 

Should I contact Vodafone too? And what shoudl I ask for and what are their legal obligations?

Link to post
Share on other sites

Have sent the follwoing this afternoon:

 

Dear Sir,

 

Wescot Reference D3/XXXXXXX

 

I am writing regarding your letter dated the 4th of April. I have no knowledge of any debt owed by myself to ‘Vodafone’ and request that you supply me with all the information that you have in relation to this matter, including a copy of any agreement between myself and ‘Vodafone’ and a signed true copy of the Deed of Assignment that you are using to pursue this matter.

 

Until I have that information I am not in a position to make further comment on this matter.

 

Comments?

Link to post
Share on other sites

  • 5 weeks later...

Have finally received a response from Wescot stating:

 

In order for us to continue with your enquiry, it would be most helpful if you could confirm the last three addresses that you have resided at together with the dates you vacated.

 

Obviously, that's what would be most helpful for them, but what would be most helpful for me? Am I under any obligation to supply the information, what will they do if I do send them the info, what will they do if I don't?

 

They haven't supplied me with any of the information I've requested and if they are suggesting that to supply me with the info they need my previous addresses as some kind of proof then I take issue with that as they didn't need that information to start asking for money from me.

 

Cheers in advance.

Link to post
Share on other sites

  • 3 weeks later...
  • 3 weeks later...

I could use some advice pretty quickly. I've had no contact from Wescot since my request for their information and their response asking me for my previous three addresses. I didn't reply obviously.

 

Anyway, I've just recieved a letter from them threatening me with a County Court summons unless I pay up by the 18th of June.

 

What should I do about this? I still haven't received any of the information that I've requested regarding the debt.

Link to post
Share on other sites

I've put together the following response, would really appreciate comments before I post it as I'm not fully clear on the legal obligations that Wescot have towards me as the debt isn't covered byt he Consumer Credit Act.

 

Cheers.

 

Dear Sir,

 

Wescot Reference D3/32541890

 

I am writing regarding your letter dated the 4th of June 2007. As you will be aware from my letter dated the 11th of April 2007 I have no knowledge of any debt owed by myself to ‘Vodafone’ and as such I am writing to re-iterate the fact that I am not in a position to make any comment on this matter until you supply me with all the information that you have relating to this matter.

My letter of the 11th of April 2007 clearly stated that I require copies of all information relating to this matter, including any agreement between myself and Vodafone and the Deed of Assignment that you are relying on to pursue this matter.

However you have failed to comply with this request and your only communication, prior to your letter dated the 4th of June 2007, has been a request for details of my previous addresses, dated the 10th of May 2007.

 

The purpose of your request dated the 10th of May 2007 is unclear. My initial impression was that perhaps you were attempting to confirm my identity in order that you may comply fully with the provisions of the Data Protection Act 1998. However, as I’m sure you’re aware it would be most improper of yourselves to disclose confidential personal information to an individual without having first been fully confident of the identity of that individual and having been assured of their right to access that data.

 

Given that both your initial approach for payment on the 4th of April 2007 and your request dated the 10th of May 2007 disclose personal information that is protected under the provisions of the Data Protection Act 1998 I can only conclude that you are fully confident of my identity and that you have requested information relating to my previous addresses and the dates I vacated for other purposes.

 

As such, there is no explanation for the fact that you have, so far, failed to comply with my request for full disclosure of all information relating to this matter and I request that in addition to supplying me with the data I have requested in all off my communications with yourselves, you also confirm that your letter dated the 10th of May 2007 was not for the purpose of confirming my identity, so that I can be sure that I do not need to report you to the relevant authorities for breach of the Data Protection Act 1998.

 

I state again, for clarity, until I have this information I am not in a position to make further comment on this matter.

Regards

 

Paul Rockliffe.

Link to post
Share on other sites

The letter is fine but you may wish to add something about their threatening letter. Something along the lines of thank you for your letter threatening Court action on this matter. As you will be aware The Office of Fair Trading provided a Code of Guidance that is in relation to Debt Collection: OFT 664 Response to consultation paper and final guidance on unfair business practices dated July 2003

 

Deceptive and/or Unfair Methods-

2.8 Examples of unfair practices are as follows:-

k. Not ceasing collection activity whilst investigating a reasonably queried or disputed debt.

 

The Administration of Justice Act 1970 section 40 also reaffirms your rather dubious practices as an offence.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

 

I have as of today made a complaint to the trading standards department and am considering informing the OFT of your actions.

If you commence any legal proceedings against me it will be averred that these actions are both unlawful and vexatious.

I await your written confirmation that this matter is now closed.

Yours faithfully

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Thanks very much, have modified my letter to include all of that and its in the post now.

 

I'm moving houses at the end of the month - is there any obligation for me to inform Wescot of this change of address, or asthey've failed to properly identify me as the owner of this debt can I just carry on as normal?

Link to post
Share on other sites

is there any obligation for me to inform Wescot of this change of address

No. They have not proved that you owe them anything. You may however wish to get your mail forwarded for the next few months just to make sure they don't attempt any litigation or anything similar.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • 2 weeks later...

Hi i am dealing with wescot for a united utilities debt of 379.88 i have set them aletter asking for a copy of the agreement and i got this back "we can confirm under the terms of the cca(exempt agreements) ORDER1989 rticle3(1)(a) this account is not regulated by the comsumer credit act and is enforcable. The account has been placed on hold for 7 days pending payment proposals which are required by return.

 

Help please ?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...