Bran Carter sent me an account review letter a couple of days ago advising me to contact them by phone to discuss my "proposed repayment plan"

Hello all, i hope i get some help because im going nuts!!! So two years ago, on the previous flat i was renting i had british gas & Electricity. When i moved out i missed "Apparently" few payments. since Last year i been receiving calls from Wescot Credit services to pay the debt. I chose to ignore them because i remember not having any debt. Then i received a letter from a solicitors office sayin that wescot is willing to consider realistic options for repayment based on my personal circumstances. I emailed them, asking for the bill that states my name, my flat the bill is for and the amount i owe, as well as the dates for this amount. That was a month a go (10/03/11). I told them that i only will to contact them through emails. I received no reply whatsoever Today (7/04/11) I received a letter from ScotCall Debt collecting services with a Doorstep Collection Notice, saying that if i dont pay the debt immediately my account will be passed to their Field representatives to arrange a doorstep call. What can i do?? Shoul i email the ScotCall Debt collectors and say the same stuff i told the solicitors? (send me a bill with the amount owned etc) Please Help. Regards, Charlee

Hi All, I am back for some help again! The full story to now can be read on the below thread; http://www.consumeractiongroup.co.uk/forum/showthread.php?153836-Brian-Carter-Solicitors-Advice-Please Total amount £3,223.58 With your advice, I managed to put Bryan Carter and his friends in their place and after they were unable to provide me with a CCA for this debt, I have heard nothing from anyone since September 2008. Within the last few days however I have received 3 letters which were sent to my parents house. 1/ From RBS stating that they had assigned this debt to Arrow Global Guernsey Ltd 2/ From Arrow Global stating that they had been assigned this debt by RBS 3/ A debt collection letter from Wescot demanding that I contact them immediately or face further action. I find this strange having not heard anything for 2 and a half years, however I am concerned that as I was contacted directly by RBS that this collection is legitimate. Can somebody please assist me with some advise on the next step? Many Thanks Laura

Hi All, I have 3 Statute Barred (1992 - 1996) accounts with SLC. I have been paying 1 of them off - [before I found CAG alas] - through a direct debit with Wescot Credit. I have now recieved CCA's for all 3 accounts, but I am concerned that Wecsot or SLC have extended my repayment period without my knowledge, to start repaying one or both of the other accounts, that I have not acknowledged. If this has happened, is it allowed? SAR request sent to SLC - awaiting reply. Any help or advice would be gratefully received cyclist

Hi First time poster, so apologies if I've put this in the wrong place. A few months ago I received a letter from Wescot stating I had an old BT debt for £211.73, with all the usual threats of court action etc. At that time I was contemplating bankruptcy so decided to offer a minimal monthly payment as part of a debt management plan which would hopefully keep them at bay until I did my bankruptcy. Now circumstances have changed somewhat and I need to put off bankruptcy for at least 3 more years, however I now need to challenge this debt as I do not now think I am liable for it. I had made one payment of around £5.00 to Wescot, then subsequently challenged the authenticity of the original debt. I sent Wescot the standard request for original credit agreement enclosing a £1.00 postal order. Today I received a letter from Wescot stating; "Following your recent request for a copy of the signed agreement we can confirm that this account falls under the following legislation, Consumer Credit (Exempt Agreements) Order 1989, Article 3 (1) and is therefore enforceable" Has anyone any advice on what my next step should be? Are Wescot correct in quoting the agreement excempt status? Should I now send a letter saying this account is now in dispute to Wescot, or should I approach BT first? Any help would be greatly appreciated. Ian

hi guys just now ive just received a letter from wescot.Reguarding an 2 year old BT phone bill. I refused to pay my bt phone bill and broadband with them has the phoneline and broadband wasnt working properly.people could ring me and the phone wouldnt ring at my end.broadband was cutting out all the time upto 8 times aday.I phone Bt reguarding the matter loads of times.and there just reported the fault and said it will be fixed in 72 hours by sending some kind of signals down through my phone line. but no change the fault just kept contueing so i didnt pay the bill and let them disconnect me from bt. Anywhere last year in march 2010 my neighbour pulled me up and said to me are you mr ------- and i said yes.my neigbour said a company keeps ring for you on my house phone called wescot and asking for you and asking if i am still living at my fixed address.She told me that she told them i still live there and that wescot are sending me a letter reguarding the matter so said ok thanks to my neighbour. The next day I got a letter from wescot credit services reguarding the debt for the phone bill £330.54p.so i offered them a £1 a month and there expected it.At th time i thought just pat this £1 a month to them and it will get them off my back. Anyway to put things short i got bored of paying this £1 a month to them so i stopped paying it 6 months ago .and today i receive a letter from them 1st time since stop paying them saying Our records show that you have failed to maintain the agreed repayment plan .the last payment received on your account was £1 on the 17/08/2010 and as a result the repayment plan is £5.00 in arrears. you have already acknowledged liability for this debt by agreeing this repayment plan,therefore you must take immediate action to clear these arrears. please do not ignore this letter to do so could result you in either us or our client taking action to recover the debt,which may include: 1 legal action against you through the courts. 2 referring your debt to a door step collections agency to carry out collections at your home. do you think i should just start paying wescot again? any advice would be great or help on this matter would be great...

I sent a CCA request to Rockwell four months ago. No response at all, though no further attempts at chasing the alleged debt have been made - by telephone or in writing. Either they're dragging their heels in the hope of eventually obtaining something or they simply don't have a valid CCA. I haven't yet sent the Account In Dispute letter, although, by the lack of response, it can be assumed the account is in dispute. Is it advisable to send the In Dispute letter or just let it lie and see what happens? If I send a letter, it might wake them up and initiate continued action, but my feeling is that I should send the letter, because they'll probably pass the account on and I'd like to be able to tell any future DCAs to just return the account to Rockwell as it's officially in dispute. Any thoughts welcome and thanks. H. x

Hi, I received an 'Address Verification' letter from said DCA this morning saying they were attempting to contact me (though they've misspelt my name) and wanting me to confirm I'm residing at the address. There's no mention of what I 'owe' or on whose behalf they're acting. The letter says I am to contact Wescot by phone or mail by the 9th of this month or they will assume the info they have is correct and, I assume, proceed with harassing me by mail. Now, naturally, I'm not very keen to let them know their information is correct, so how should I go about fending them off? Write to them claiming their information is incorrect and give them a fake name? Or would that be futile? Any advice would be welcomed! Thanks.

Got a problem with MINT credit card (RBS). I have had the card for about 7 or 8 years now. When I first applied for it on the internet and was approved, I never used it very much. My husband also had a card as a second card holder. He ran into serious credit card debt problems and in a desperate attempt before finally going under, he transferred just under £6000.- onto this MINT card as a balance transfer. He then went bankrupt and had his debts basically written off. I am however now landed with £6000 on this MINT card for which I am liable I have been told. I came to an agreement with MINT to repay the amount at £26.- per month until the balance is repaid. They stopped interest and charges and refunded all charges they ever levied. This agreement has been in place since 2006 and I have got the written agreement from them in letter form to confirm the £26 per month until the amount is repaid. Currently the oustanding balance is £5216.03 Now two months ago they sent me a letter to say the 'temporary agreement' on my account was due to be reviewed and my new monthly payment was £144.- I sent them a letter back explaining that the agreement was never temporary but permanent and sent them a copy of their own letter dated 2006. I sent that recorded and they received it. I heard nothing in reply. Today I got a new bill showing my minimum payment as £2379.- per month and the footnote that I had failed to make a minimum payment. I have maintained my £26 / month religiously since 2006, I assume they are referring to the £144.- they imposed last month I have written them another letter back explaining the situation, but is there anything else I can do ?

Hi, Having sent CCA and SAR request, RBS responded in a timely manner sending all statements from 2004 (guess it's the 6 year rule) plus the attached CCA which is a one-sided document without any T&Cs or PPI policy details. Is this right? The rest of the documentation includes just statements, my recent letters to them and a balance transfer slip from 2004, no trace of anything else (such as T&Cs, or PPI Policy). Have uploaded document here http://i1018.photobucket.com/albums/af306/flowepower2010/RBS_Agreement.jpg For some reason the header area is totally illegible on the photocopy sent by them, yet everything else is quite clear. Any blurred areas below the header were blurred by me. Signature and exact date were also distorted in Photoshop just in case... Some things have changed since then -I'm no longer a homeowner and currently unemployed. :? Is this an enforceable agreement? I have no idea... Many thanks in advance...

Hi there everyone,.. I have found many threads on this DCA group and thought someone could possibly point me in the right direction? I have debts. .. Im currently using DMP by Gregory Pennington to pay off. .. thats all fine and dandy.. . have been using for 6 months but apparently they have to review every few months or so.. . so they have to re-negociate with creditors and so forth.. . fair enough... However, Halifax have recently sent one of my accounts to their in house team B.O.S, they have gone the whole way so far.. . text messages asking me to call them, 08456 numbers, which are obviously halifax, I am aware that B.O.S are just a subsidary of HBOS... Sorry im waffling now.. my issue is with a letter i recently received... "NOTICE OF INTENDED COURT ACTION" ... HFX vs.. ******me****** ... formal notice is hereby given that our client instructs us to commence court proceedings against u without delay... papers are now being PREPARED for commencment... -that old chesnut basically my issue is since i had their first letter last month, they have gone straight to this sort of letter.. . and I already have re-payment arrangements in place via DMP Gregory Pennington - so they are accepting payments... im just a bit confuzzled, i know not to ring them, as regardless of what I tell them IF i actually did ring them, they would only seek more money that I dont actually have... Im sorry If i have waffled on too much, but there must be someone out there who mite be in the same predicament as me?? BOTTOM LINE: i have arrangements already in place, all my other creditors are continuing and are acepting minimal payments which is great.. . AND the amazing thing, HAlifax have already accepted repayment plan for another account no problem.. .. but for some reason they have transferred this particular account (debit acount i believe) to B.O.S where they have jumped to this letter, even though payments are still being made. ARGHHHH, PLEASE HELP Much appreciated to those who can respond Regards, DaveTheRave xx

Sent a debt collection agency the letter with regard to "a formal request pursuant to s.77/78 of the Consumer Credit Act 1974 etc". They have written back asking for my last three addresses to confirm who I am. Any suggestions what to do next. Thanks.

On Monday Lloyds Tsb will apply £165.00 worth of charges to my account. I don't have the money to pay them and I am worried sick. I have just come out of hospitalafter having laser treatment to my left eye. I have been in and out of hospital for the last 8 weeks,I have only 80% vision in my left eye. Whilst worrying about hopitl and dealing with all of this I forgot to keep my account in order. Hence these charges. On Friday I thought I would ring the bank to ask them for help. I told the customer services advisor that if they take the £165 from my account on Monday then my mortgage w't be paid she said why not contact yourmortgage company and ask them to take the money on a different day. I couldn't believe that she was suggesting that I pay the mortgae late so that I could pay TSB. When I challenged her she said that if I had ensured the money was in the account then I would't have these charges. Yes true but why are hey still able to take all of the money at once. I told her I would not risk paying my mortgae late for anyone and could not believe she had suggested that. I told her I would pick up a late fe and that was something I did not want. She then told me to cancel all the direct debits which are gas lectric, council tax etc. I again told her that these were more important than TSB chargs. So on Monday I will be lft with a gaping holes of £165. If I don't pay these chagrs then I will be overdrawn - unauthrised because they won't help so I will get more charges. I don;t know what to do, where to turn next.

Hi, I'm currently in default to egg for a loan after falling behind with payments after losing my job. they passed it onto capquest debt recovery who are useless. I set up a payment plan for £75 monthly, after making 6 payments by SO from bank capquest wrote and said they were taking further action due to non-payment. I was advised to cancel the payments and send off a copy of my bank statements showing the payments, which I did. They wrote acknowledging these and set up a new SO for £75 again. A payment left my account on 4 May but last week they sent me a letter saying they were now going to send a collector to my door due to me ignoring repeated requests for payments or a payment plan. I've tried speaking to them on the phone but they are bloody useless. Can anyone tell me what to do next, I'm not that great on the phone and if anyone comes to my door I'd panic and probably agree to whatever they asked for whether I could afford it or not. Any advice would be very much appreciated. Thanks