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WESCOT have produced CCA from Halifax and Lloyd’s

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  • WESCOT have produced CCA from Halifax and Lloyd’s

    but they just look like mass generated documents with my name added to 1.

    Can anyone take a look st them for me ? Debt was previously unenforceable due to no CCA’s and now hey presto!

    thanks
    Tags: None

  • #2
    Re-constitutions of documents are acceptable by the court.

    How long ago did the accounts default? Was the last payment to them (or any debt collector) made before that date? If not when was the last payment?
    COMPLETING AN N180 DIRECTIONS QUESTIONNAIRE (SMALL CLAIMS TRACK) GUIDE

    My posts here are based on my experience of a variety of life events. I have no formal legal training & if in doubt take professional legal advice or contact CAB. If you follow anything I write here you do so at your own risk & I accept no liability for any loss, costs or other outcomes.

    Private messages are disabled as help is only offered publicly. I do not come on here in the evening, at weekends or on public holidays.

    Comment


    • #3
      I will double check last dates paid. I was paying through StepChange and didn’t even know you could challenge if there was no CCA.

      Comment


      • #4
        Originally posted by Sekhmet View Post
        I will double check last dates paid. I was paying through StepChange and didn’t even know you could challenge if there was no CCA.
        If you know you have paid in the last 6 years to them then there's no need to check a specific date?
        COMPLETING AN N180 DIRECTIONS QUESTIONNAIRE (SMALL CLAIMS TRACK) GUIDE

        My posts here are based on my experience of a variety of life events. I have no formal legal training & if in doubt take professional legal advice or contact CAB. If you follow anything I write here you do so at your own risk & I accept no liability for any loss, costs or other outcomes.

        Private messages are disabled as help is only offered publicly. I do not come on here in the evening, at weekends or on public holidays.

        Comment


        • #5
          Lloyd’s default was 12.10.17
          Halifax default was 4.12.17

          Stepchange continued to make payment to April 2019.

          Comment


          • #6
            Ok, so if I have paid in last 6 years and they can provide a basic CCA I have no come back?

            Comment


            • #7
              Originally posted by Sekhmet View Post
              Lloyd’s default was 12.10.17
              Halifax default was 4.12.17

              Stepchange continued to make payment to April 2019.
              Neither are Statute Barred, assuming the recons would stand up in court your final attempt would be for notices of assignment and default notices.
              COMPLETING AN N180 DIRECTIONS QUESTIONNAIRE (SMALL CLAIMS TRACK) GUIDE

              My posts here are based on my experience of a variety of life events. I have no formal legal training & if in doubt take professional legal advice or contact CAB. If you follow anything I write here you do so at your own risk & I accept no liability for any loss, costs or other outcomes.

              Private messages are disabled as help is only offered publicly. I do not come on here in the evening, at weekends or on public holidays.

              Comment


              • #8
                Sorry, being dumb here, what do I need to do next ??

                Comment


                • #9
                  Originally posted by Sekhmet View Post
                  Sorry, being dumb here, what do I need to do next ??
                  Write to them and say you don't recall having a debt with them, that what they have sent you are from Halifax and Lloyds, so you want to see Notices of Assignment from them both that they are now the legal owner of the debt and copies of the default notices.
                  COMPLETING AN N180 DIRECTIONS QUESTIONNAIRE (SMALL CLAIMS TRACK) GUIDE

                  My posts here are based on my experience of a variety of life events. I have no formal legal training & if in doubt take professional legal advice or contact CAB. If you follow anything I write here you do so at your own risk & I accept no liability for any loss, costs or other outcomes.

                  Private messages are disabled as help is only offered publicly. I do not come on here in the evening, at weekends or on public holidays.

                  Comment

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