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Wescot V Sea-side


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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. :D

 

And they sent my £1 postal order back!!

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'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.

What sort of world do you want your kids to grow up in?

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Congratulations sea-sidelady ,

 

Nice to see a result with little fuss for a change :)

 

*hugs*

 

BB

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"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

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BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

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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.

Be VERY careful whose advice you listen too

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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.. :D

 

Good for you SSL :cool:

 

Best wishes, Dave.

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Advice is offered freely, without liability and without prejudice.

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  • 3 weeks later...

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 :D

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  • 2 weeks later...

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!

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Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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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.

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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.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

--

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Thanks Dave. ;)

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HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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