CCA check

[Warwick65]

I’m guessing they move because these forms only get paid on results so if you don’t pay they don’t earn. They then send it back to the original creditor who ask another firm to try.

As you have sent a cca request and they have not fully complied, for now sit on your hands and do nothing however hard that is. I know from experience the temptation to fight but in this case, less is often more ( I think that might be one of Di’s pearls).

[dmdm85]

Hi sorry for the late reply. Yes I have done that and not had anything else back other than the CCA I was sent originally. I just didnt understand why they sent it from Wescot to moorcroft who seem to both do the exact same thing. So I just ignore moorcroft aswell? Thanks all for your help.

[Warwick65]

As Wescot and Moorcroft only act on behalf of a creditor ( they don’t own the debt) there seems little point in sending a cca request, assuming as the Tech Clerk said, you did as Di told you to and sent a proper cca request with the fee back in October.

[The Tech Clerk]

sit tight no more cca for now (outstanding) await for responses from di ( take it you did as Di stated send by mail with £1 postal order??) must respond to questions put on here save as to peoples time chasing!

[dmdm85]

Hi after ignoring Wescot I have now been contacted by them to say the debt has been returned back to tesco bank. I have now had another letter come through from Tesco saying they have passed the debt onto Moorcroft to recover. Do I send another CCA request this time to Moorcroft and are they similar to Wescot in what they do? May thanks

[Joanna Connolly Solicitors]

I should probably add that my original CCA request was sent via email and did not contain the statutory £1 fee. . . . . but when I replied to Wescot's original letter I emailed them stating that before I made any further contact woukd be sending a CCA request and asked them if I needed to send it to themselves or direct to tesco. I then got an email back saying they had requested the credit agreement from the lender and would be in touch. Should I send another one in writing with the £1 fee

*Yes* is the answer to your question

If your s77-79 CCA Request was sent by email without the £1 statutory fee it won't be valid.

Send another one to Tesco (copied to Wescot) now.

Di

[dmdm85]

Ok thanks for the advice guys. So I guess now I just sit and wait again. I did send in the agreement they sent me to be double checked but have not heard anything since. Sorry for all the questions I just find it a bit stressful and not something I am used to dealing with. Thanks again.

[The Tech Clerk]

phone number finding can be got these day via Facebook etc if they are on record! get blocker and if they do carry on then make a note of date.time. as they know the rules.

[nightwatch]

you have just told them they had the correct phone number. No matter, try and block number.
sit on your hands, unless you are letting us know what is happening.

talking of which, can you update the post for the tesco account wescot have, so we know when it was passed to them, + add date of call.
Just click edit ,add the details and hit save
thanks
NW

[The Tech Clerk]

Harassment by Telephone Follow-Up next time if ever ask on here first, as we have many letters of use to use by members, this on send off in a couple days referring to you last contact telling them not to phone, send Recorded Delivery and keep all copies of incoming/out going correspondence in date order also up date on here each time!

[dmdm85]

Thanks for the reply guys. Letters etc I can deal with but phone calls really worry me. As far as I know they dont know where I work but tesco bank will do and I am sure they could find out easily enough. They managed to find my home phone number which I have never given to tesco bank or Wescot. I know I probably done the wrong thing but I have emailed them stating I do not give permission for any contact by phone. I guess this is not something they will take note of anyway.

[nightwatch]

it was just what you think, a call to get you frightened enough to call them.
Do they know where you work? even if they do they are not supposed to tell your work who they are.

They had one of my debts, I ignored them, they soon back off if they get no reply.
can you block the number? if not, enter in your phone book as do not answer.
NW.

[The Tech Clerk]

wescott have no powers they are only after commissions, eventually give up and pass account back to owners.idle threats from different template drawers. what ewver you do they will not stop if you show willing to give them monies

[dmdm85]

Thanks nightwatch. I have just had a call on the house phone which was an automated message from Wescot asking me to call them. I have no idea how they got my home phone number. I am now at the stage where I would just rather agree a payment plan with them to keep them off my back. I am terrified they may try and ring my work if they manage to get hold of that number.

[nightwatch]

I would wait for now and see what they send you next.
NW