wescot credit services

[Galahad]

Re: wescot credit services

If you're sure you owe nothing, then have no contact with them.

Presumably at some point if they do have a legitimate debt to enforce, at some point one of their letters is going to have to state what the debt is and in relation to who the original debt belonged to.

So for the moment, ignore them. Feel free also to return letters back to them unopened, with "not known at this address", because they'll have a return address on the back of the envelope, a quick Google search will tell you who that address belongs to, and well, it causes them more problems than it does you.

It could also be a statute barred debt which a lot of these DCA's buy up cheap in the hope they can get payments for to make money.

If you have access to your credit reference file, take a look at it and see if there is anything untoward on there that might give a clue as to what debt they are chasing, but for the moment, their letters are sufficiently vague that you should be equally as vague with them.

[sugarnspice]

Re: wescot credit services

hi every1 x another letter from wescot this morn, a final notice! b4 collection activity which includes 1) doorstep collection or 2) legal action through the courts. i have 10days 2 pay the debt 0f £603 payment b4 the 17th june. still not sayin wot the debt is 4. is it tym 4 a prove it letter now? x thanx guys

[teaboy2]

Re: wescot credit services

Chances are no one will turn up at your door and no legal action will be commenced.

As they still haven't stated what the debt is for, then their letters amount to unsolicited demands for money and could amount to blackmail and/or harassment.

If it was me i would now send the prove it letter off and then just sit back and wait whilst they rush around getting all the documents to prove the debt - Chances are they will just send you a statment of account of copy of invoice/bill, both of which don't prove the debt and could just as easy be created on a computer. But eitherway you will then find out who the debt is supposed to be owed too and whether it is statuted barred or not.

If you do send the letter, remeber to print your name. DO NOT sign by hand.

[sugarnspice]

Re: wescot credit services

thank u so much teaboy2 x knowing there is help out there makes all the difference x am so grateful x lets c wot happens nxt x i'll keep u posted xx

[teaboy2]

Re: wescot credit services

Your more than welcome Sugarnspice

[sugarnspice]

Re: wescot credit services

hi every1,having sent a 'prove it' leter 2 wescot last wk they have replied bk aking me 4 my last address, when i vacated, and also my date of birth? i have 10 days inwhich 2 reply x wot shud i do??xx

[sugarnspice]

Re: wescot credit services

sorry! this apparently is 2 help with their enquries xx

[Guest]

Re: wescot credit services

hi every1,having sent a 'prove it' leter 2 wescot last wk they have replied bk aking me 4 my last address, when i vacated, and also my date of birth? i have 10 days inwhich 2 reply x wot shud i do??xx

Why would you give them any information?

If they have any contract at all, this information would be on it, and they would not be asking.

Either ignore it or repeat that you know nothing about this and ask them for proof of any indebtedness, if they cant provide any tell them to leave you alone or you will commence proceedings for harassment.
"You would be foolish to give out personal details, and you are shocked that they should ask"(that kind of thing)
D

[sugarnspice]

Re: wescot credit services

thank u so much davyb x i willxx

[wales01man]

Re: wescot credit services

I agree with davyb if you had some agreement the other side would have your adress and date of birth nobody deals in credit without these i think as has been said they are trying to pull a fast one

[sugarnspice]

Re: wescot credit services

thank u xxx

[Nikolai]

Re: wescot credit services

I agree with the advice you've been given - don't give these people any of your details. If it was genuine, the creditor would have all your details anyway and would have passed these on to the DCA. Don't hesitate to come back for more advice if they persist.

[sugarnspice]

Re: wescot credit services

hi every1 x its bin a while since i used this thread x however afta having no reponse from wescott it appears that they have passed this so called debt to another company in the name of 'Resolvecall'??? any ideas? they r telling me due to ignoring several letters and failing to adhere to their payment plan (none was ever made) that they will act upon the debt x still no idea and no proof has come through the door explaining what the debt is x do i keep ignoring them? or move to another level x can any1 advise me on what to do x its getting frustrating to say the least xxx

[Nikolai]

Re: wescot credit services

Sounds like more of the usual bull from a DCA. Don't worry about it. If you start getting phone calls come back for more guidance, but me, I'd just file the letters.