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    • Please see below for an extract from the letter more about my case.    You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
    • Hi,    I will look over your case shortly.   I am sorry for the delay.
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Wescot/RBofS.....Oh Dear!!


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Hi,

Back in the beginning of May I sent Wescot a CCA request with regards to a credit card account they are administering for RBofS. I also sent RBofS a CCA request and SAR for this account and the other credit card account I hold with them.

 

On the 24th of April (goodness, they are quick!)I received this letter from them.

 

Thank you for your letter of xxxx requesting a copy agreement under the 1974 Consumer Credit Act (Err No....if you had read my CCA request you would know this wasn't quite what I asked for)

The information has been requested and will be forwarded to yourself upon receipt. As there is no charge for this service we have returned your £1.00 payment.

 

In the meantime, for security purposes it would be appreciated if you are able to forward confirmation of your date of birth and a specimen signature taken from official documentation (note the careful wording - obviously they can whistle for this info - particularly my signature) . As you are denying liability for the account this information is required to ensure Wescot Credit Services do not breach the Data Protection Act by forwarding account information to someone who is not the account holder.(but it's okay to send me threatening letters without doing this?)

Should you require any further assistance (I wasn't aware that you had done anything to assist me) regarding this, or any other matter, please contact ourselves.

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.

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At the beginning of May I received another letter from Wescot asking me to contact them as their client was willing to offer me a super deal on this account for a vastly reduced sum.

 

Needless to say I never quite found the time to phone them.

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.

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A couple of days ago I received this letter from RBofS

 

Dear Rory32,

Re Account: xxxx

Balance £xxxx

Thank you for your letter which was received into this Office referred from Wescott Credit Services Ltd (and what about the cca request I sent directly to you?).

Your written request for information made under s78(1) of the Consumer Credit Act must be accompanied by payment of the fee of £1 (again your point is?). We are obliged to provide you with a ‘true’ copy of the credit agreement and a statement of financial information relating to the account, namely, the state of the account, amount currently due, with amounts and due dates of future payments that still require to be made. In terms of CCA copy document regulations, the ‘true’ copy requirement can be satisfied by providing a copy of the agreement at the date the card agreement was made and providing that plus a copy of the current terms of the card agreement (so you know my rights too - that's reassuring).

Unfortunately, due to the length of time passed since your account was originally opened, I am unable to provide you with the copy agreement at the date the card agreement was made.(oh dear.....surely you haven't lost it)

The issue to you of this credit card in 1999 would only have been possible on the basis of our receiving a signed application form/credit agreement from you(prove it). I reject your view that no agreement ever existed between us and you. The fact that it has become over the years mislaid somewhere in our systems does not mean that it does not exist.(so not lost then....definately not lost)

I also reject your view that you do not acknowledge the debt and have enclosed copies of correspondence you sent to us in relation to your credit card account (and the relevance of this is?).

Our records show that there is still a balance outstanding on the above account. As you are aware your account is currently being managed by Wescot Credit Services. Therefore, you should contact them directly to obtain details of your requested repayments to settle your account (no chance). They can be contacted on 01482 590500.

I trust the above clarifies matters for you. Should you still dispute this account, as advised in your letter, I await to hear from the relevant statutory authorities you have reported this matter to.

Yours sincerely

Miss H Bennett

Account Manager

 

I am now considering my response.

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.

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Hi Zimmie,

There is also the little issue of RBofS not responding to my CCA request on the other account. Needless to say they've ignored my SAR on both accounts. However, this is just a side issue at the moment.

 

I will post my response for comment when I have thought a little more about how exactly I wish to proceed.

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.

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Me too - go for it Rory it's going to be superb ;) . It's all gone quiet on the DCA front for me (perhaps they're scared :) ) so I need some entertainment!

WOOLWICH -S.A.R - (Subject Access Request) sent 03/03/07 :cool:

LBA sent for non-compliance with Data Protection Act 28/04/07 :mad:

 

ABBEY - S.A.R - (Subject Access Request) sent 03/03/07 8)

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  • 3 weeks later...

Just to update I haven't got around to sending RBS a letter yet, but will do this week (it's on my to do list).

 

I got a letter though last week from Wescot's solicitors. It stated:

 

We are instructed by Wescot Credit Services Ltd on behalf of the above named client, in connection with the sum outstanding above.

 

Given the high value of the debt we are extremely concerned to note that no arrangements for satisfaction have been made.

 

 

The balance of your debt is such that we are instructed to consider the most serious forms of legal recovery, which may include if Judgement is obtained, Bankruptcy proceedings and / or seeking a warrant / attachment of earnings.

 

 

Whilst Wescot Credit Services is willing to consider realistic options for repayment we can not allow this matter to remain outstanding any longer.

 

 

Unless payment is made to Wescot Credit Services within 7 days of the date of this letter, legal proceedings for the recovery therof may be commenced without further notice.

 

Consider away is what I thought as without the agreement they don't have any forms of legal recovery.

 

I didn't bother to reply as I didn't want to waste money on a stamp. Just filed the letter in case I need to counter claim at any point for harassment.

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.

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Today, 7 days after receiving the solicitors letter, I got a letter from Wescot.

 

With reference to the above account.

Our client has informed us they are only legally obliged to keep copy agreements for a 6 year period (this is quite correct but the 6 year period starts when you close an account not when you open one).

They have requested you contact them directly regarding this.

In view of the above we are prepared to place the account on hold for 30 days to enable you to do so.

Please update us on the situation at this time.

We look forward to your reply in due course.

Note how much more pleasant than normal their letter is. Could this smack of desperation?

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.

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Hm... so, are you going to just ignore it again?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Nah, this time I'll just write to RBS 'cos I need some closure on this account and want my credit file sorted out.

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.

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Hi rory,

 

 

Looks like I could be in a similar situation as you, in the not too distant future!

 

I CCA'd both Wescot and RBS/Natwest ages ago. Received one letter from Wescot, trying to get me to cough up. I wrote back and reminded them of their naughtiness. Not heard anything else since.

 

Never got an acknowledgment or anything from RBS!

 

The suspense is killing me!!!:D

 

 

Jeff.

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Hi Jeff

 

I actually have two credit cards with RBS. The other one I CCA requested at the same time as this one (8th April). Not heard a peep from RBS or the DCA about it. I also sent a SAR in the same letter. Never heard anything back from that either. Not that I'm bothered - the copy of the agreement (or rather lack of) is the main thing.

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.

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Oh, that makes me just a boy then at the age of 36.

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.

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Im tormenting Wescot as well!

 

April 5 CCA request

 

May 25 Barclaycard Application form recieved

 

14 June Final demand from Wescot recieved

 

15 June Application form sent to Trading Standards for analysis

 

18 June Trading Standards pronounce it worthless and investigating both Wescot and Barclaycard, with possible criminal charges under CCA1974 in mind.

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Im tormenting Wescot as well!

 

April 5 CCA request

 

May 25 Barclaycard Application form recieved

 

14 June Final demand from Wescot recieved

 

15 June Application form sent to Trading Standards for analysis

 

18 June Trading Standards pronounce it worthless and investigating both Wescot and Barclaycard, with possible criminal charges under CCA1974 in mind.

 

Great news! As to RBOS have you decided what to do there? They're in criminal default to me with CCA request - haven't sent anything at all!

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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18 June Trading Standards pronounce it worthless and investigating both Wescot and Barclaycard, with possible criminal charges under CCA1974 in mind.

 

Hull TS's or your home town/city's?

 

If you say Hull i've a new thread (and battle) to start! :D

 

Sorry to hijack briefly Rory! :rolleyes:

 

Regards, Dave.

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Hi

I followed the tread then it goes dead as so many do?

 

What thread was that Monty?

 

P.S. Just realised I haven't replied to your pm. I'll try and give you answer tomorrow.

 

P.P. S. Hijack away Dave.

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.

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Hull TS's or your home town/city's?

 

If you say Hull i've a new thread (and battle) to start! :D

 

Regards, Dave.

 

OK

 

HULL

 

Is this gonna be another Rob's Way ??

 

And now back to Rory's thread, sorry for the break.

Be VERY careful whose advice you listen too

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I suppose I'd better start a RMA/NCO thread as at the moment it's my Rob's Way ;)

 

Saying that GE Money was looking good till wescott gave up and GE basically said that they can't prove anything.

Be VERY careful whose advice you listen too

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