Wescott

[FlamingParrot]

Re: Wescott

They're idiots.

Has the alleged debt been assigned to yon numpties, or has it not?

It shouldn't matter, should it? Even if it has been assigned in absolute (sold), they'll still have to go back to the creditor to get the documents, hence the paragraph above.

[VeryWorried]

Re: Wescott

I sent this.

As of the Consumer Credit Act 1974.
I require you to please provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77 will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.



Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).


I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

I was told this covers all that is needed.

[dogtired]

Re: Wescott

Blair Oliver et ell paid a CCA fee into an alleged account then "sold" it to Wescott then Arrow Global who are using Wescott, had, to date, nine identical letters saying they are still trying to obtain information!
The clock is ticking, two years since last payment to OC (Bank of Scotland):clock:
Try not to worry you have good advice from Flaming Parrot. And al the others xx

[VeryWorried]

Re: Wescott

Blair Oliver et ell paid a CCA fee into an alleged account then "sold" it to Wescott then Arrow Global who are using Wescott, had, to date, nine identical letters saying they are still trying to obtain information!
The clock is ticking, two years since last payment to OC (Bank of Scotland):clock:
Try not to worry you have good advice from Flaming Parrot. And al the others xx

Thank you for your kind words.

[FlamingParrot]

Re: Wescott

I sent this.

As of the Consumer Credit Act 1974.
I require you to please provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77 will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).


I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

I was told this covers all that is needed.

Indeed it does, the wording I highlighted in red above takes care of DCAs claiming not to be the creditor, it clearly states that THEY should pass the request to the creditor, regardless whether they are acting on behalf of a client of have bought the debt themselves. In the case of Wescot, they act as both debt collectors and debt purchasers.

[CleverClogs]

Re: Wescott

Indeed it does, the wording I highlighted in red above takes care of DCAs claiming not to be the creditor, it clearly states that THEY should pass the request to the creditor, regardless whether they are acting on behalf of a client of have bought the debt themselves. In the case of Wescot, they act as both debt collectors and debt purchasers.

... and are therefore playing at Silly Buggers.

Perhaps it would be wise to send the arrogant turds a letter, thanking them for the return of the PO and especially for their refusal to comply with the s77 request?

[VeryWorried]

Re: Wescott

... and are therefore playing at Silly Buggers.

Perhaps it would be wise to send the arrogant turds a letter, thanking them for the return of the PO and especially for their refusal to comply with the s77 request?

Sorry not getting back - not be so well.
I have heard nothing from W-Cott so I have sent them a letter (just so if they try to take it further I can prove I was not the one holding up the proceedings).
I have stated it is their responsibility to obtain all the documentation in connection to this loan - not mine (and why where they refusing to comply).
I have sent the PO for a pound - so the ball is back in their court.
Hope I have done right.

[Captain Haddock]

Re: Wescott

Sorry not getting back - not be so well.
I have heard nothing from W-Cott so I have sent them a letter (just so if they try to take it further I can prove I was not the one holding up the proceedings).
I have stated it is their responsibility to obtain all the documentation in connection to this loan - not mine (and why where they refusing to comply).
I have sent the PO for a pound - so the ball is back in their court.
Hope I have done right.

Let me give you some personal knowledge of Wescot: they are a bunch of clowns and, like most DCAs, will try and scare you into paying up. Often, they will not have the full details of the account, nor will have HBOS - or whomever - sent them copies of the argreement(s).Sit back and chill and let them do the work and if they continue to call, write to them and request all correspondence to be in writing and that any further bombardment via telephone will be construed as harassment and report them to the police, the local trading standards and the OFT.

Have you heard anything back from Worstscot? And whereabouts do you live?

[VeryWorried]

Re: Wescott

Hi

Latest update.
I sent my letter with the £1 back to W/Cot some 6 weeks ago, no reply as of yet - no acknowledgement of even receiving letter.
I do not answer any calls, so if they are calling I have NO idea.
I live in Cumbria - does that make a difference.

[FlamingParrot]

Re: Wescott

I sent my letter with the £1 back to W/Cot some 6 weeks ago, no reply as of yet - no acknowledgement of even receiving letter.
I do not answer any calls, so if they are calling I have NO idea.

That's OK, let them snooze away...
If they want to tell you something they'll have to put it in writing. If you do get a letter, post up here. :typing:

I live in Cumbria - does that make a difference.

I shouldn't think so. Certain things are different in Scotland, but you are not quite that far north!

[VeryWorried]

Re: Wescott

Well in reply to the letter I sent to W/cot some 8 weeks ago, (the second letter) telling them I did not recognise the debt with their company and enclosing my cheque as W-Cot requested made out to HBOS asking fora copy my credit agreement, I have had a letter from my Bank - Halifax?

I have NO idea what has happened.
My bank say they cannot trace a valid account number and I need to contact them with my 16 digit account number.

What have W/Cot HBOS done with my cheque - the debt is not with Halifax.
Why did W/Cott not supply the details with my inquiry, and why is my bank contacting me.
They wont find any details the loan is not with them.

I know I am not making much sense here, but I do not understand it myself.
What should I do next, I sent my cheque (twice) first time sent back.
I send again made out to HBOS as requested and still no correct paperwork just more confusion.

[CleverClogs]

Re: Wescott

Well in reply to the letter I sent to W/cot some 8 weeks ago, (the second letter) telling them I did not recognise the debt with their company and enclosing my cheque as W-Cot requested made out to HBOS asking for a copy my credit agreement, I have had a letter from my Bank - Halifax?

I have NO idea what has happened.
My bank say they cannot trace a valid account number and I need to contact them with my 16 digit account number.

What have W/Cot HBOS done with my cheque - the debt is not with Halifax.
Why did W/Cott not supply the details with my inquiry, and why is my bank contacting me.

Your bank is HBOS : Halifax - Bank of Scotland.

[VeryWorried]

Re: Wescott

Your bank is HBOS : Halifax - Bank of Scotland.

But why did W/Cot send the full details - they are meant to have them.

[CleverClogs]

Re: Wescott

But why did [not] W/Cot send the full details - they are meant to have them.

Wet Cloths will have no documentation regarding the loans, whilst Lloyds-HBOS seems to think it was a credit card - hence their demand for a 16 digit number.

Until/unless they do comply with your section 77 request, they should be prevented from obtaining a CCJ against you.

[VeryWorried]

Re: Wescott

Wet Cloths will have no documentation regarding the loans, whilst Lloyds-HBOS seems to think it was a credit card - hence their demand for a 16 digit number.

Until/unless they do comply with your section 77 request, they should be prevented from obtaining a CCJ against you.

So do I contact anyone - I have asked for the section 77 twice and each time W/Cot have fobbed me off.
What do I do next.
Do I contact my bank and do not want a CCJ I am under enough stress as it is.