Just found this site through pure chance myself. My girlfriend also has had a letter from these thieves (westcot) saying she owes them £186 from a debt with a company called (House of Stirling) which is a company that went bust a few years ago they went into liquidation and told all costumers no more payments was due. We know this because we had several friends who also had things from (house of Stirling) now 4years down the line we get this letter stating westcot has now bought the debt from them. Here is what the letter says Dear Sir/Madam FAILURE TO CONTINUE PAYMENTS We have no recoreds of receivng a payment from you since // and payment on your debt is now seriously overdue. Unless you contact us urgently to make a payment and agree a regular payment plan, we shell have no option but to take further action to recover the (FULL) amount outsanding balance of £186.10 CALL US NOW as failure to act could result in Westcot *Referring your debt to a door step recovery organisation for home collection visit _________________ *Taking legal action though the Courts which will be a simple option as you have already acknowledged the debt by making payment agaist it. Such action will include adding court charges and statutory intrest. ______ We have made no payment to these people or (House of Stirling) since they went into liquidation and told us no more payments were due ! Futher more we have not made any contact with this (Westcot) what so ever. Do these people just write to random people asking for debts of past tence and wrote off debts hoping we will get worried and just pay up do they think were all mugs or something seems that way to me.