SXGuy's UE Diary

[Leixlip1]

Re: SXGuy's UE Diary

Same as saltnvinegar & vint1954, when I've dealt with them in the past and challenged them they drop off the radar/return to OC.

[SaltnVinegar]

Re: SXGuy's UE Diary

Hey guys, just fancy some advice from anyone whos dealt with Westcot before.

This week, is the time when i was originally going to send creditor refusal to accept UE to Westcot, after they sent me a copy of a letter directly from Mint explaining why the account is enforceable.

Now the account is indeed enforceable, and i have been blagging it for quite some time now, through various DCA's but this is the first where they have asked for a direct response from Mint.

My question is, should i bother to send the letter now, or wait for Westcot to write again? they say normal collection will continue within 14 days, so i will get a letter from them at some point, but wondered if its best to hold off until i hear from them again?

Its been known for DCA's to just got silent for a while after such responses in the past, so dont want to wake them up.

Their last letter before the one last week was around March so they do take their time it seems.

Hi SXGuy

I've had several accounts go to Wescot. Each time I have challenged them they have referred the account back to the OC.

Seems they are bottom of the food chain and just like an easy life using template letters and bullying on the phone into scaring people to make a payment.

I suspect if you've not heard from them for a while chances are they have referred back to the OC and the next thing you'll be getting a letter from another DCA......

[vint1954]

Re: SXGuy's UE Diary

Hey guys, just fancy some advice from anyone whos dealt with Westcot before.

This week, is the time when i was originally going to send creditor refusal to accept UE to Westcot, after they sent me a copy of a letter directly from Mint explaining why the account is enforceable.

Now the account is indeed enforceable, and i have been blagging it for quite some time now, through various DCA's but this is the first where they have asked for a direct response from Mint.

My question is, should i bother to send the letter now, or wait for Westcot to write again? they say normal collection will continue within 14 days, so i will get a letter from them at some point, but wondered if its best to hold off until i hear from them again?

Its been known for DCA's to just got silent for a while after such responses in the past, so dont want to wake them up.

Their last letter before the one last week was around March so they do take their time it seems.

I dealt with them some while ago. Didn't seem to be too much trouble then

[SXGuy]

Re: SXGuy's UE Diary

Cheers guys!

[Never-In-Doubt]

Re: SXGuy's UE Diary

I'd wait till they wrote them update us again.

Put that letter on hold for now. Send nothing

[ScabHunter]

Re: SXGuy's UE Diary

Hey guys, just fancy some advice from anyone whos dealt with Westcot before.

I've not dealt with them myself, although I've seen plenty of others who have. If it was me, I'd wait for the next one. There is no precedent that I know of where Wasteclot have issued papers when saying that "normal collection activity will resume in 14 days".

SH

[SXGuy]

Re: SXGuy's UE Diary

Hey guys, just fancy some advice from anyone whos dealt with Westcot before.

This week, is the time when i was originally going to send creditor refusal to accept UE to Westcot, after they sent me a copy of a letter directly from Mint explaining why the account is enforceable.

Now the account is indeed enforceable, and i have been blagging it for quite some time now, through various DCA's but this is the first where they have asked for a direct response from Mint.

My question is, should i bother to send the letter now, or wait for Westcot to write again? they say normal collection will continue within 14 days, so i will get a letter from them at some point, but wondered if its best to hold off until i hear from them again?

Its been known for DCA's to just got silent for a while after such responses in the past, so dont want to wake them up.

Their last letter before the one last week was around March so they do take their time it seems.

[SXGuy]

Re: SXGuy's UE Diary

update time.

DLC re MBNA, sent yet another "we have some new info regarding this account please telephone us" filed and ignored.

Westcot re Mint, have complied with the CCA request, enclosed letter from mint talking about requirements under CCA and cancelation notices statue not needed a sig etc.
Have given 2 weeks before normal collection resumes.

This ones EN, been blagging for a while, will wait 10 days and send off creditor refusal to accept UE status.

[SXGuy]

Re: SXGuy's UE Diary

Another letter from BCW re M&S similar to their first, asking for a £1 PO addressed to M&S for a CCA Request.

They state they will send a final response in 4 weeks.

Final to what?! lol

Will ignore for now until someone who can read, reads my last letter. Failing that i may send a reply in about 3 weeks and 6 days.

[vint1954]

Re: SXGuy's UE Diary

Thanks Paul. But what would be my reply?

Their DN fail short by 1 day, but sadly my mother chucked the envelope away before i could keep it. I did staple a peice of paper to it and noted the date it arrived.

the DN apart from falling short by 1 day looks fine in every other aspect.

The question i have is how can they issue a DN and terminate an agreement thats already been terminated, hense why it was passed to IDR in the first place?

Further to that, this account has been unpaid for over a year, yet the arrears is £10? its a 6k balance so £10 arrears after 12 months is hardly correct.

Just ignore it for now

[SXGuy]

Re: SXGuy's UE Diary

Thanks Paul. But what would be my reply?

Their DN fail short by 1 day, but sadly my mother chucked the envelope away before i could keep it. I did staple a peice of paper to it and noted the date it arrived.

the DN apart from falling short by 1 day looks fine in every other aspect.

The question i have is how can they issue a DN and terminate an agreement thats already been terminated, hense why it was passed to IDR in the first place?

Further to that, this account has been unpaid for over a year, yet the arrears is £10? its a 6k balance so £10 arrears after 12 months is hardly correct.

[Paul.]

Re: SXGuy's UE Diary

IDR always send Defaults, its Link Financial Limited and look what happened to them with Defaults in Harrison v Link !!

Id not ignore that in my opinion

[vint1954]

Re: SXGuy's UE Diary

It could be an attempt to get the clock reset.

Strange!

Does their DN conform to CCA?

I would just ignore and wait for their next move.

[SXGuy]

Re: SXGuy's UE Diary

Hey guys update time again.

This one is a real puzzle.

IDR Finance (Link) on behalf of Barclaycard.

About 2 weeks ago i received a default notice, asking for an arrears of £10.

This is clearly wrong as a) BC issued a DN begining of last year, and subsequently terminated the agreement, which is when they passed it to IDR.

Ive today received a letter from IDR again, saying i failed to act on the DN and if £10 isnt paid within 10 days, they will terminate the agreement (no threats of court etc)

Now, im unsure what to do with this one. They have clearly made a mistake by issuing a DN and treating the account as though it was originally theres, when i know full well it wasnt (plus their ref is BC's account number)

Could this be their attempt to correct some mistake in the past and issue legal proceedings, or perhaps they just dont know what they are doing?

Either way, it all adds to a defence should they ligitate.

This is the first DCA ive come across whos issued a DN AFTER being sold the debt from an OC, so bit puzzling.

How can you issue a DN and threat of termination for an account already defaulted, terminated and sold on? LOL

[SXGuy]

Re: SXGuy's UE Diary

Thanks guys.

It was originally a store card, however it had 0 balance at the time, and they made her sign a new agreement when they switched it to a credit card.

The new agreement was dated 1 month after the shit hit the fan with them originally. So they lucked out with this one.