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Abbey / Wescot Trouble


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Hi Guys/Girls,


Just recently sent through to Abbey details of charges to a joint account I hold with my brother - we have had the account open just over a year an only ever used it once or twice when it was first set up.


Basically, the account was left 6 months ago or so in the red to the tune of a couple of pounds - as there was no overdraft allowed we have been charged £20+ every months since leaving the account which now stands (as of last week) at -£145.75.


So, I sent of (via freedom of information act letter used here) to check out our charge - they add up to a total of £314.74. Next I sent the letter asking for the charges to be refunded (last Friday).


Now, this Thursday I check the post and there’s a letter from Wescot credit services - notice of debt collection for the 145.75! I'm a bit stuck here what to do - 97% of the debt is in bank charges, have abbey just seen my letter, then seen that the account isn't in credit and then forwarded it on to Wescott?


What do I do? Any help is much appreciated. P.S. this is my first post on the forum so let me know if it’s in the right area.


Regards, Dan.

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inform wescot that the A/C is in dispute by letter they will fwd the A/C back to abbey.

have you been following the step by step instructions on this site for reclaiming

if so stick by YOUR timetible and carry on with the claim.


silly to leave the A/C in the RED though, you need to pay it all off else you will get more charges!



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So, I sent of (via freedom of information act letter used here) to check out our charge


And they complied??! The FoIA is only for public bodies isn't it??

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.


I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.





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