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Wescot credit services
Hi,
I am new to this forum so please bare with, this is an unusual question as this is about a very old debt. My husband had a debt sold to Wescot credit services for about 3 grand back in 1999 which he agreed to pay fifteen pound a month to which they agreed and asked if he would set up a standing order. This standing order has been in place for all this time going out every month which he eventually forgot all about. A while ago he went through his finances and saw it realising that after all these years they have been taking this payment and have never sent a single letter,statement or remittance of any sort and he decided to ring Wescot as they now have a website with contact numbers. He unfortunately could not give them much info as all he had left from the when the debt was first demanded was a blue piece of paper with the amount and demand for payment which got lost. The lady on the phone said they had no record of him and as he could not prove anything that she could not discuss anything further with him. We decided to write to them with all my husbands details explaining but never received any correspondence back. We realised in the end the only way to get their attention was to cancel the standing order, since then we have had an automated call everyday left on our answer machine saying ring Wescot credit services immediately using this reference number and the usual threatening letter saying you are fifteen pound in arrears pay up or start a direct debit or face court or door step collections, blah blah. What I would really like some advice on is as Wescot are a member of the Credit services association their code of practice says their members will report sums and remit to their clients sums collected at least once a month or otherwise agreed does this mean Wescot have breached the CSA's code of practice can I complain to the CSA or do I write to Wescot telling them I think they have breeched the code. In 13 years he has had no letters, no statements, nothing and now he has stopped paying they start contacting my husband to say he still owes nearly nineteen hundred pounds which does not seem the right amount to still owe after all this time. Some advice on this would be so appreciated as this is an unusual position to be in and when I have searched up I can't find much on this subject.
I am new to this forum so please bare with, this is an unusual question as this is about a very old debt. My husband had a debt sold to Wescot credit services for about 3 grand back in 1999 which he agreed to pay fifteen pound a month to which they agreed and asked if he would set up a standing order. This standing order has been in place for all this time going out every month which he eventually forgot all about. A while ago he went through his finances and saw it realising that after all these years they have been taking this payment and have never sent a single letter,statement or remittance of any sort and he decided to ring Wescot as they now have a website with contact numbers. He unfortunately could not give them much info as all he had left from the when the debt was first demanded was a blue piece of paper with the amount and demand for payment which got lost. The lady on the phone said they had no record of him and as he could not prove anything that she could not discuss anything further with him. We decided to write to them with all my husbands details explaining but never received any correspondence back. We realised in the end the only way to get their attention was to cancel the standing order, since then we have had an automated call everyday left on our answer machine saying ring Wescot credit services immediately using this reference number and the usual threatening letter saying you are fifteen pound in arrears pay up or start a direct debit or face court or door step collections, blah blah. What I would really like some advice on is as Wescot are a member of the Credit services association their code of practice says their members will report sums and remit to their clients sums collected at least once a month or otherwise agreed does this mean Wescot have breached the CSA's code of practice can I complain to the CSA or do I write to Wescot telling them I think they have breeched the code. In 13 years he has had no letters, no statements, nothing and now he has stopped paying they start contacting my husband to say he still owes nearly nineteen hundred pounds which does not seem the right amount to still owe after all this time. Some advice on this would be so appreciated as this is an unusual position to be in and when I have searched up I can't find much on this subject.
