Wescot V Sea-side

[sea-sidelady]

I have an old account with Littlewoods, that i hadnt heard from in a long time.

 

I started to get letters from Wescot, when i asked about the debt, basically i was told it needs paying and thats it.

 

So i started to make small payments.

 

I never even thought about sending a cca.

 

So on the 5th July i sent one, as im sure this debt is over 6 years.

 

I recieved a letter today,

 

In reply to your recent request for a copy of the opening agreement, we can confirm the account has been closed and no further correspondance shall be sent to you regarding this matter.

 

So that is it. Debt cancelled.

 

And they sent my £1 postal order back!!

[Mamie]

Good for you well done

 

rae may

[renegotiation]

'Oh I do love to be beside the seaside' La de la de da i've forgotten the rest of the lyrics... Wescot are welcome to jump off my pier with concrete flippers whenever they like. Nice one seasidelady.

[babybear39]

Congratulations sea-sidelady ,

 

Nice to see a result with little fuss for a change

 

*hugs*

 

BB

[Curlyben]

Now if this was me and I had a feeling the debt was stat barred when they started collecting I'd push wescot to account for themslevs and demand my money back.

[diskmandave]

It's not against OFT reg's to pursue payment on a SB debt until the customer disputes the fact. Just seems like Wescot have pre-empted the dispute here..

 

Good for you SSL

 

Best wishes, Dave.

[moneyhelp]

This is great news SSL well done!

[120805]

Well done Sea-sidelady

 

My husband was told the same as they had no agreement. But they also told him that they would still mark his credit file even though they would not pursue the debt. Might be worth checking your credit file just to make sure that they aint tampering with it still.

 

 

Again congrats

[sea-sidelady]

I have just checked ny credit file, and yep there it is!!

 

I had assumed they would remove it, but it looks like i will have to get some letters sent out!

[diskmandave]

Suggestion;

Dear Sirs,

 

Upon checking my credit reports today I find that there is a default in your name in relation

to an old Capital One account which was passed back to Capital One further to intervention

by Tameside Trading Standards.

 

This letter should be treated as a formal complaint under your dispute resolution procedure.

 

As I have absolutely no financial relationship with your company I require the defaults to be

removed without delay as there is no legal reason for them to be there. Furthermore, you are not

in receipt of my permission to process my personal data. Failure to respond positively to this

request within 21 days may result in the lodging of legal action in the Tameside County Court,

and will most certainly result in a further complaint with Tameside Trading Standards.

 

Should you need to contact me in regard to this issue before responding formally and in writing,

you can contact me by e-mail; [email protected]

 

I look forward to your co-operation and due diligence in this matter.

 

Yours faithfully,

 

Edit to suit..

 

Best wishes, Dave.

[sea-sidelady]

Thanks Dave.