df1day UE Diary

[Pixie]

Re: df1day UE Diary

If the OC never responded to a CCA request made over two years ago, chances are, they haven't got the agreement and Wetclothes will just have to be pushed to admit they cannot enforce the debt they've just purchased.

OC did respond - see allaboutFORUMS - View Single Post - df1day UE Diary

[Spent2much]

Re: df1day UE Diary

If the OC never responded to a CCA request made over two years ago, chances are, they haven't got the agreement and Wetclothes will just have to be pushed to admit they cannot enforce the debt they've just purchased.

Indeed they bought the debt so its theirs , I don't think any of us request dca to buy the debts do we , still its nice of them to buy it now let them keep it

[vint1954]

Re: df1day UE Diary

If the OC never responded to a CCA request made over two years ago, chances are, they haven't got the agreement and Wetclothes will just have to be pushed to admit they cannot enforce the debt they've just purchased.

Indeed so FP. They are in a bit of a mess selling it without responding to CCA.

Who knows, they may want to sell it back to the OC.

[vint1954]

Re: df1day UE Diary

Looking back through df1day's diary, the CCA request was sent in April 2010 and the debt was sold to Westcot in March this year.

Thanks Pixie,

It looks like the sold while in dispute letter, along with the proof of sending £1.

Vint

[Pixie]

Re: df1day UE Diary

As Pixie says, just send them the proof, also I assume that you asked for the CCA before it was sold to Westcot

Looking back through df1day's diary, the CCA request was sent in April 2010 and the debt was sold to Westcot in March this year.

[vint1954]

Re: df1day UE Diary

Received a reply from Wescot stating that Hbos can't trace the £1 I sent them with my original request. And could I provide them with more details.

To recap, HBOS have confirmed to me that they have sold the debt to Wescot and all matters will now be dealt with by them. I told Wescot I wanted to see the agreement and they have been asking me to send the statutory £1. Told them I had already sent it to HBOS and I had proof.
Now, I am generally a helpful chap but on this occasion feel I,ve done enough for them.
Seems to me that HBOS have happily sold the debt to Wescot but may not have passed on all the correspondence.
Do I respond saying that I've already provided enough information for them to deal with my request or just ignore them?

As Pixie says, just send them the proof, also I assume that you asked for the CCA before it was sold to Westcot

[Pixie]

Re: df1day UE Diary

I presume you've still got the letter from HBOS thanking you for your cca request? Could you photocopy it (just the first page) and send it to Westcot with a one liner saying "Here's the proof I've already sent the £1 fee to HBOS" perhaps highlighting the relevant sentence/paragraph?

[df1day]

Re: df1day UE Diary

Received a reply from Wescot stating that Hbos can't trace the £1 I sent them with my original request. And could I provide them with more details.

To recap, HBOS have confirmed to me that they have sold the debt to Wescot and all matters will now be dealt with by them. I told Wescot I wanted to see the agreement and they have been asking me to send the statutory £1. Told them I had already sent it to HBOS and I had proof.
Now, I am generally a helpful chap but on this occasion feel I,ve done enough for them.
Seems to me that HBOS have happily sold the debt to Wescot but may not have passed on all the correspondence.
Do I respond saying that I've already provided enough information for them to deal with my request or just ignore them?

[Deepie]

Re: df1day UE Diary

In2Deep

I have sent you a pm. Would prefer that Wescot aren't able to read your advice. Hope that's ok.

I only help people by my own past experience .........

[df1day]

Re: df1day UE Diary

In2Deep

I have sent you a pm. Would prefer that Wescot aren't able to read your advice. Hope that's ok.

[df1day]

Re: df1day UE Diary

Thanks for the input, i2d.
I've gone with the "account sold whilst in dispute". Will keep everyone informed of developments.

[Deepie]

Re: df1day UE Diary

Start at 10% Wait until they get in contact.......

or If it was me I would send
Account Sold whilst in Dispute

[df1day]

Re: df1day UE Diary

HBOS £4700 (enforcable)

Wescot have reared their ugly head again. They have sent a Notice of Assignment stating “the debt is now legally owned by Wescot”.

This card was post 2007 and deemed enforceable and last year I had tried to negotiate a F&F without success.

I began negotiations with Wescot in 2010 before getting passed to Robinson Way, then Nelson Guest and finally ending up with Iqor. The last offer made to them was in April 11.

I had steadily raised my offer, eventually making a ”take it or leave it “ which equated to about 30%. Iqor obviously decided to “leave it” as I heard no more until this week.

How do you suggest I now play it with Wescot? The last offer I made to them was 20%, which they declined. Although this was before they owned the debt.

Do I go back to stage 1 and start with an offer of 10%, or will they be aware that I had been willing to go as high as 20% ( or 30% , albeit that was with Iqor, but would Wescot necessarily have access to my correspondence with Iqor?

I presume it will be easier to bargain with Wescot as they now own the debt. I will not be intimidated with threats of court proceedings as I have been there with HFC and managed to hold my nerve and settle on the doorstep of the court.

[Never-In-Doubt]

Re: df1day UE Diary

Hi, Niddy.
Did you ever get the chance to look at the above judgement?

Nope cannot see it anywhere online...... sorry

Maybe PM Paul. and see if he has a copy, he has most judgments.......

[df1day]

Re: df1day UE Diary

I'm looking into this - bear with me....

Sorry for the delay

Hi, Niddy.
Did you ever get the chance to look at the above judgement?