Final Notice From Wescot Credit Services

[JohnAlan]

I received a letter from Wescot Credit Services - as below. I have never had an account or any other dealings with Wescot or RBS This is the first letter I have received from Wescot. Apart from my name and address at the top LHS there is no Dear xxxx and the letter was not signed by anyone.. Could you suggest what is the best course of action to take.



Client: 54546 etc etc Westcot reference: DM/5 etc etc
Client Ref: The Royal Bank of Scotland Plc Balance: £585.65

FINAL NOTICE

Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous correspondence.

Unless you contact us to agree repayment of £585.65 within the next 10 days, further collection activity will be taken to recover the full outstanding balance.

Please do not ignore this letter as this could result in further action being taken to recover the debt.

It is very important that you take IMMEDIATE action to resolve this Issue. You can do this by contacting us 7 days a week on 0844 824 1152, writing to us at the above address or making a payment via our website www.paywescot.co.uk.

Yours sincerely

Westcot Credit Services Ltd

[bluebottle]

Re: Final Notice From Wescot Credit Services

Hi,

This has been posted in the wrong forum. I will bump this for Site Team to transfer it to the correct forum.

However, if you have never had any accounts or dealings with RBS, it is probable you are the victim of an insidious practice amongst debt collection agencies called Scattergunning, where they send out threatening letters to everyone with the same surname in the hope one the people they have threatened is either the actual debtor or will be frightened enough to pay, even though they owe no money. It is a practice that breaches OFT Debt Collection Guidelines and can, in certain circumstances, be illegal.

BUMP

[FlamingParrot]

Re: Final Notice From Wescot Credit Services

I received a letter from Wescot Credit Services - as below. I have never had an account or any other dealings with Wescot or RBS This is the first letter I have received from Wescot. Apart from my name and address at the top LHS there is no Dear xxxx and the letter was not signed by anyone. Could you suggest what is the best course of action to take.

Wescot are fond of churning out generic template letters headed FINAL DEMAND. I've got quite a few myself. They are debt collectors who often act for RBS. If you don't remember having anything to do with RBS, you could ignore this initial letter and wait to see if they send something else. If they do, post up and you can then fire the prove-it letter at them. :thumb:

[CleverClogs]

Re: Final Notice From Wescot Credit Services

I received a letter from Wescot Credit Services - as below. I have never had an account or any other dealings with Wescot or RBS This is the first letter I have received from Wescot. Apart from my name and address at the top LHS there is no Dear xxxx and the letter was not signed by anyone..

WorstClots are not usually known to be polite - they're rude and arrogant with everyone.

Did you ever have an account, loan or credit card from RBS, NatWest or Mint?

If you didn't, report them to Trading Standards via Consumer Direct - 0845 4 04 05 06 - as that letter looks a lot like an attempt at blackmail.