Letter from Wescot DCA

[Guest]

Re: Letter from Wescot DCA

[quote=mr.ton;234130]None of the DCA's from over the years have known a single thing about what i do or don't have - they have simply been full of hot air and the vast majority are.
Of course i accept that some may well follow up going to court (would be interesting to read any stats on that?) but from my experience of posting on forums like this over the past few years, most don't for the reasons i've point


I think if they have been chasing you for some years they will have an idea.

Most of us are just intersted in getting our lives back on track paying our debts the best way we can and concentrating on something more important

Peter

[labman]

Re: Letter from Wescot DCA

Sorry to digress slightly, but it's actually frightening to discover how much, if you're willing to spend just a few pounds, you can find out about people. Few of us, if any, are as anonymous as we may like to think.

[mr.ton]

Re: Letter from Wescot DCA

I think if they have been chasing you for some years they will have an idea.

Oh really? i doubt it.......lol
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Sorry to digress slightly, but it's actually frightening to discover how much, if you're willing to spend just a few pounds, you can find out about people. Few of us, if any, are as anonymous as we may like to think.

If you are referring to credit files then they can easily be manipulated if you know how
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get charges and interest frozen

They've no legal power to add that anyway and a person is under no legal obligation to have to pay charges and interest.

[labman]

Re: Letter from Wescot DCA

I wasn't referring to CRF's actually. There are many sources of all sorts of information out there, and it is possible, with suitable know-how, to find out many things about most people with a bit of perseverance.

On a different tack again, I'm interested in the comment that a person is under no legal obligation to have to pay charges and interest. It is something I certainly wasn't aware of - could you supply a reference to the legislation where this is stated? Thanks!

[Guest]

Re: Letter from Wescot DCA

Oh really? i doubt it.......lol
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Well yes of course theykeep records this is obvious, they pass accounts between themselves, i would have thought you would hane known that

If you are referring to credit files then they can easily be manipulated if you know how
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They've no legal power to add that anyway and a person is under no legal obligation to have to pay charges and interest.

Of course they do (it depends on the type of assignement) as long as the agreement is under contract, and the if charges are stated in the contract even post termination, either at contracturla rate or if not at the section 69 rate.


More missconceptions

Peter

[Guest]

Re: Letter from Wescot DCA

Sorry missed one

How can you "manipulate" credit files , iam sure we would all like to know this one.

Peter

[mr.ton]

Re: Letter from Wescot DCA

How can credit files be manipulated? easy - for example, reporting that you have lived at a certain address in the past for less/more time than you actually have (if you have no proof of that residence then its your word against theirs effectively)
Credit files are a law unto themselves anyway - things you expect to be on them are usually not and things you don't expect to be on them usually are....in other words, the whole system is not fit for purpose.
As for a person being obliged to pay interest and charges - i'd love to know were it says that people have to? banks are already paying back billions in charges thanks to the court of public opinion (i've had loads of charges back off my old bank)
DCA charges are laughable quite frankly and id love to see 1 DCA try take anyone to court to get those charges paid!

[mr.ton]

Re: Letter from Wescot DCA

"yes of course they keep records this is obvious, they pass accounts between themselves, i would have thought you would have known that"

They can keep records till they are blue in the face but if like me a person knows that they don't have to pay DCA's then they are wasting their own time quite frankly.
Not 1 DCA has taken me anywhere near a court since about 1997 and i'm fairly confident not 1 ever will.
Debts get passed from the creditor to the DCA and back again like pass the parcel as well as around the DCA industry - eventually it all just get's "lost" if you know what i mean....
With due respect Peterbard - i think you have serious misconceptions about the system and how it's applied in the real world.

[labman]

Re: Letter from Wescot DCA

Please could I respectfully suggest that we agree to differ on this one. I've just read the very first post again, and that poor person who came here for help is still stuck in their terrible predicament.

It's a little disrespectful, albeit unintentionally, to them to turn a really unpleasant problem into a thread where obviously the opinions are strongly held, for right or wrong, and there is never going to be a meeting of minds.

The disucssion, interesting though it is, has gone on for a little while now, and I feel our energies would be better channelled into helping members.

Perhaps we can agree to differ and move on.

[CleverClogs]

Re: Letter from Wescot DCA

Most of us are just intersted in getting our lives back on track paying our debts the best way we can and concentrating on something more important

But everyone needs a hobby.

Some - not the OP, though - just like debt dodging.

[drowningindebt]

Re: Letter from Wescot DCA

Hi all,

Got a letter on Saturday from solicitors working for Wescott stating that if I phone Wescot before Friday this week they may accept a reduced figure as a full and final payment.

Am not keen to contact Wescot as feel very scared about doing it.

I am taking advice re a DMP at the moment.

Has anyone got any advice - should I ignore this letter?

[Streetwise]

Re: Letter from Wescot DCA

Hi all,

Got a letter on Saturday from solicitors working for Wescott stating that if I phone Wescot before Friday this week they may accept a reduced figure as a full and final payment.

.

Am not keen to contact Wescot as feel very scared about doing it.

I am taking advice re a DMP at the moment.

Has anyone got any advice - should I ignore this letter?

Hi,I don't think you should phone Wescott,but you could write a letter back to the solicitors asking what the reduced figure would be,remember to keep the letter from the solicitors. please edit and delete that part,you don't know who's reading this.

[Streetwise]

Re: Letter from Wescot DCA

Hi all,

Got a letter on Saturday from solicitors working for Wescott stating that if I phone Wescot before Friday this week they may accept a reduced figure as a full and final payment.

not keen to contact Wescot as feel very scared about doing it.

I am taking advice re a DMP at the moment.

Has anyone got any advice - should I ignore this letter?

Take out the whole of that part of your thread.

[Guest]

Re: Letter from Wescot DCA

Take out the whole of that part of your thread.

GIve them details of the DMC , they are required to give you breathing space , if you are trying to organise your finaces, they should put all collectionn activities on hold for 28 days, you may have to give details of the DMC and a reference number.
Also let yuor DMC know you have had this letter.
Petr

[mr.ton]

Re: Letter from Wescot DCA

Hi all,
Got a letter on Saturday from solicitors working for Wescott stating that if I phone Wescot before Friday this week they may accept a reduced figure as a full and final payment.
Am not keen to contact Wescot as feel very scared about doing it.
I am taking advice re a DMP at the moment.
Has anyone got any advice - should I ignore this letter?

They may accept? oh how kind of them.
Never speak to a DCA on the phone and refuse to answer security questions if they phone you.
Stick to whatever you are/or will be paying on your DMP.
DCA's and their laughable solicitors will still try it on being the greedy leaches they are, but so long as you keep ignoring them and reporting them to the authorities, you'll be fine