The Scarednshakins UE Diary

[scarednshakin]

Re: The Scarednshakins UE Diary

Also have a Clydesdale and Cap One Credit Cards - both defaulted and have had Final Responses from them and have not heard from them since last year (apart from a fantastic deal from Clydesdale!!!!)

Well got a letter from Clydesdale Bank this morning, they have sold the debt (after over 2 years) to Cabot, so will wait to hear from them

[scarednshakin]

Re: The Scarednshakins UE Diary

Hi Niddy, got another letter from Wescot this morning about RBS - Mint account. Sent out Account Sold letter and Wescot have replied with

'Having contacted our client they have advised the Agreement was sent on 21/6/09 and a final response was issued on 8/10/10.

In the circumstances we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required.

If in the event you believe you still have a valid dispute please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection'

Will I send out Refusal by DCA letter?

Cheers Niddy from a very soggy Scotland

Hi everyone, sent out Enough is Enough letter to Wescot about this one and got a letter today, which they have sent to my old address - no idea what is going on there??

Anyway it is headed FINAL NOTICE and says that despite previous correspondence a balance is still outstanding, unless contact is made within the next 10 days they will send round doorstep collector or either Wescot or client taking legal action against us.

PAYMENT DUE BEFORE 22 JULY 2011

Not sure what to do with this one, they have not acknowledged any of the letters we have sent and now are sending letters to our old address, from 3 years ago, when they already know our current address!

Advice gratefully received as with this one

Cheers, away to enjoy the one day of sunshine we have

[Deepie]

Re: The Scarednshakins UE Diary

Hi everyone, sent out Enough is Enough letter to Wescot about this one and got a letter today, which they have sent to my old address - no idea what is going on there??

Anyway it is headed FINAL NOTICE and says that despite previous correspondence a balance is still outstanding, unless contact is made within the next 10 days they will send round doorstep collector or either Wescot or client taking legal action against us.

PAYMENT DUE BEFORE 22 JULY 2011

Not sure what to do with this one, they have not acknowledged any of the letters we have sent and now are sending letters to our old address, from 3 years ago, when they already know our current address!

Advice gratefully received as with this one

Cheers, away to enjoy the one day of sunshine we have

Let them send someone round at your old address I would return to sender and put on the front NOT AT THIS ADDRESS

[scarednshakin]

Re: The Scarednshakins UE Diary

Let them send someone round at your old address I would return to sender and put on the front NOT AT THIS ADDRESS

Cheers, will post it back tomorrow. Just wondering if they pay the muppets who work for them and if they can read

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Let them send someone round at your old address I would return to sender and put on the front NOT AT THIS ADDRESS

I would ignore it and let them mess-up even more! Don't do their jobs for them....

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Cheers, will post it back tomorrow. Just wondering if they pay the muppets who work for them and if they can read

Don't - unless i'm too late! Just leave it......

[scarednshakin]

Re: The Scarednshakins UE Diary

Don't - unless i'm too late! Just leave it......

Cheers Niddy, no it is fine I have filed it with all the other letters

[scarednshakin]

Re: The Scarednshakins UE Diary

Well got a letter from Clydesdale Bank this morning, they have sold the debt (after over 2 years) to Cabot, so will wait to hear from them

Having heard nothing for over the last 2 years Cabot have sent us a very nice letter. Explaining that the debt has now been sold to them and that as we have previously sent payment for our account direct to Debt Managers - NOPE got that bit wrong.

Will send out Account Sold letter and see if we get such a nice letter back

[Deepie]

Re: The Scarednshakins UE Diary

Just ignore for the moment

[scarednshakin]

Re: The Scarednshakins UE Diary

Morning everyone

Letter in today from Wescot about Lloyds Acc No 4 have sent out Account Sold letter and this is the response.

'Having contacted our client they have advised the CCA request was when the account was with the collection agent Allied. The copy application was sent to you on 14/6/10. Our client have no record of any dispute. Please send full details of your dispute to enable our client to investigate for you. Your account has been placed on hold for 28 days.'

Any response or just ignore? Heap of rubbish anyway as Lloyds have written to me about the dispute in May 2010 and how disappointed they are that I have disputed the account

[Deepie]

Re: The Scarednshakins UE Diary

Morning everyone

Letter in today from Wescot about Lloyds Acc No 4 have sent out Account Sold letter and this is the response.

'Having contacted our client they have advised the CCA request was when the account was with the collection agent Allied. The copy application was sent to you on 14/6/10. Our client have no record of any dispute. Please send full details of your dispute to enable our client to investigate for you. Your account has been placed on hold for 28 days.'

Any response or just ignore? Heap of rubbish anyway as Lloyds have written to me about the dispute in May 2010 and how disappointed they are that I have disputed the account

Just ignore

[scarednshakin]

Re: The Scarednshakins UE Diary

Hi Niddy, got another letter from Wescot this morning about RBS - Mint account. Sent out Account Sold letter and Wescot have replied with

'Having contacted our client they have advised the Agreement was sent on 21/6/09 and a final response was issued on 8/10/10.

In the circumstances we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required.

If in the event you believe you still have a valid dispute please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection'

Will I send out Refusal by DCA letter?

Cheers Niddy from a very soggy Scotland

Morning , sent out 'Enough is Enough' letter to Wescot about this one back in May. Letter in this morning from Nelson Guest & Partners Solicitors saying:-

'We are instructed by Wescot acting on behalf of RBS regarding the above outstanding balance. As a final attempt to avoid further action, Wescot is prepared to offer you a discount to settle your account.'

Offer is available for a ltd time and to call by 8/8/11 or offer will be withdrawn and further action will continue to recover the full outstanding balance.

Ignore??? Never heard of these guys before. Cheers

[garlok]

Re: The Scarednshakins UE Diary

Hi Mrs SnS,

Neslon Guest and Partners are the tame solicitors in league with or belonging to the Hull Heroes Wescot. They just about as intelligent as well.

regards
Garlok

[caspar]

Re: The Scarednshakins UE Diary

I can't find Westcot listed on Companies House - anyone else able to?

[garlok]

Re: The Scarednshakins UE Diary

Hi Casp,

Its Wescot Credit Services Ltd, and they are registered in Scotland despite the Hull address in Saltcoats in 1983.

Previous name Wescot Credit Services (Scotland) Ltd which always suggests to me a murky past. But I don't think they are worth the money to do the further searches on CH.

regards
Garlok