Hi there, my husband received a letter today which looks like a payslip and is from 2F Wescot Credit Agency. The matter it says it refers to just gives a number and no kind of description, the number means nothing to us. There is no information at all as to why they are contacting us and we have no idea what it could be about as as far as we're concerned we have no debts owed which we aren't already paying correctly. Is there any way of finding out what they could want without actually calling them as it seems that making contact is not the best idea with this agency? Or do we just ignore it until (if) we get something more concrete? Thanks in advance!

Hope this is posted in the right place... I have a debt that has been with Wescot since 2008. I’ve paid this monthly since the debt being with them but I’ve got some cash to make a settlement offer now. Original balance was around £10k, now down to around £6k. They have said they will only do a partial settlement of £3k but won’t sell on the debt to anyone else or chase me again for this debt. I have a couple of questions: As the debt is old I assume the default is off my credit rating anyway so having partial rather than full settlement won’t make a difference? What is to stop the original creditor, they apparently got agreement for settlement amount from Arrow Global, it was originally an MBNA debt, to chase me again for this? I’d really like to draw a line under this debt and not have it hanging over me each month. Any help much appreciated.

Hi, I've had the unfortunate experience of having to deal with British Gas customer services since January to date. They're aggressive, ignorant, incompetent and disconnected in many ways, to the extent that their collections team are unable to view things going on with the account in the billing team. Its clear that I'm getting nowhere with them by complaining, so I've resorted to: Transferring to Ovo (Who have been brilliant so far) Spreading the word and telling everyone I know about Ovo. Most significantly though, I have raised two e-petitions on the government website to force British Gas into improving their services. One has been accepted and one has just been submitted. ----------------------------------------------------------------------------------- Energy Suppliers Service Related Charging Responsible department: Department for Energy and Climate Change I would like the government to impose a mechanism upon the Energy industry whereby a company's charges are determined by the levels of service they provide, as with the Water Industry & SIM (Service Incentive Mechanism). This would force the likes of British Gas with a 39% customer satisfaction rating (Which? 28/04/14) to concentrate on improving their services to customers. --- ******** http://epetitions.direct.gov.uk/petitions/64429 ********** --- Recently, 'British Petroleum' embarrassed our nation with their disaster in America. 'British Gas' currently have a 39% Customer Satisfaction Rating from a 'Which?' survey. I would like the government to licence the use of the name 'British' in company names to ensure that any company using it, provides a world class service that reflects traditional British qualities. Quality of service should be measurable with pre-defined parameters that companies must meet before they are allowed to use OUR good name. --- I hope you agree with these sentiments. If you do, please help and sign my petition. Also, please don't forget to confirm your entry by clicking the link in the email they send you. Best Regards, Rob

Hey Everyone,let me take you back to October 2013 when all this began. First off I'd had been with T mobile for many years but I was looking to cancel my contract with them to change over to o2,my contract with T-Mobile at the time was a two year (iPhone) contract,which was coming to an end either September 2013 or the start of October 2013. I decided to ring them up and explain the situation,that I was moving and there was no chance of me staying as one of my friends was getting me a great deal on an o2 contract,from what I remember from the phone conversation all I had to pay was the last months phone bill which I did and then the contract would end as it would not be renewed. I then purchased my o2 contract on the 16/10/2013 and transferred over my number from T mobile to o2. From this point I thought Id never see anything from T mobile again,until I get a bill on my doorstep of £91.57(£56.38 for line rental,termination penalty £13.78,notice period change £24.25)on the 27/10/2013,I chose just to simply ignore this probably not a good idea,but the employee on the phone said nothing about any of these charges. I then get an overdue balance reminder on the 13/11/13,same again on the 04/12/13,after the second one I decide to ring T mobile and explain,what i have explained to you,the women says i must write to head office so they can deal with it. Which I did not do,which probably was not a good idea. Then I get a letter from capquest on the 17/12/13 explaining that they now control the debt from T mobile and that the line will be terminated that really made me laugh as it had been canceled 3 months ago,so anyway I ring capquest and explain to them that I am still in depute with t mobile about the case and I am in the process of sending a letter to head office,he says no problem I well put a stop on the account. At this point I am thinking ill get round to it when I have time,which I don't,I do not hear nothing for 3 months so at this point I think that i have won and they must have removed it from the system or something. Until on the 21/06/2014 I get a letter from Wescot in big red letters with all the usual stuff,outstanding balance blah blah,so anyway I am now thinking well I am just not going to reply. I have now had letters from them on these dates. 01/07/2014 Reminder notice. 11/07/2014 25% Reduced settlement offer £87.22 that made me chuckle. 27/07/2014 options tailored to suit you. 07/08/2014 As we have not been able to contact you directly it is our intention to instruct a doorstep collection agency,Scotcall to conduct this face to face meeting. This is where I now have the problem as I live at home with parents and I do not really need this coming to my parents door step when I am not here to basically say well you're not coming in. So yeah I am not sure whether to just pay it or actually write to T mobile this time,or call up wescot and explain the situation. Help is greatly needed as soon as possible sorry for the long round about explanation but wanted to give you the whole situation. Thanks for reading. Mark B.

Hi, I am receiving threatening letters from Wescot about an unpaid bill for YourMove of £288.00 I have now paid this debt to YourMove, but Wescot are chasing me for the whole debt including an extra £41.55, making a total of £329.55. I have phoned them and explained i never received the original letter as it went to my solicitors and i never received it. I said i would pay the £288 to YourMove as i did not receive the original letter for the debt. Now they are still chasing me for the full amount. I think i need a letter of some description saying i have paid the amount up, but cannot find a template to word this correctly. Can anyone help? Thanks in advance.

Hi, I am wondering if someone could help me with a current problem I am stuck on and not sure how to respond to the debt company. I will try and keep this short. I am currently in a situation where I am out of work and now unable to pay my debts. I work for an agency and am on one of these silly zero hour contracts so my employer has no obligation to offer me work. Over the last 12 month period I have had to take quite a lot of time off work due to sickness with a lifelong medical condition I have and my employer hasn’t been to impressed with this. Becuase my employer is no longer offering me work I cannot pay my debt at the moment until I find alternative employment, I am also in the process of applying for job seekers allowance in order to help me through this difficult time. I have written to my creditor (Wescot) and explained in short my current situation. They have now responded asking for proof of my medical condition. My question really is are they allowed to ask for this and if they aren’t how should I respond the letter. I should also mention that I have been paying this debt off up to this month. Thanks in advance.

Looks like I have joined a forever-growing band of innocent people targeted by money-grabbers. Received a letter from Arrow Global telling me that Phoenix Recoveries (UK) had assigned all its rights etc. to Arrow Global Guernsey and that I owed £502.17 to Shop Direct Group under account no xxxxxxxxx. Further I was to reply to pay Wescot Credit Services on a PO Box number in Hull. Yea sure I'm about to do that! A basic flaw in all this is I don't owe anybody anything, have never had any credit from/with Shop Direct Group (basically Littlewoods I believe) have not signed any credit agreement for many years, certainly in excess of 6 years. My instinct (supported by comments on this website thank you) is to bin it and not make any contact with any of them. Then I think that IF my identity has been stolen and others are buying in my name, then I need to know. A recent credit check on my name showed "all clear" At the end of the day i would like to give Arrow Global et al a bloody nose for trying to scare people like this, so any advice or comments would be gratefully received Ricky

Hi, I had a debt from Barclay's card £400 . In August 2013 I sent CCA request to Wescot (acting as DCA) for Barclays Card Services. Barclay's themselves sent me a copy of application form without any prescribed terms I argued back with them in subsequent letters and they say they will find CCA and send me. Last week I got a letter from Wescot they confirmed there is no CCA available for this account therefore this account is unenforceable yet it is collectable (I do understand this). After this letter I stopped the token money of £1 which I was paying them. Did I do the right step or I shall continue to pay them. As I have stopped their payment what they can do next? Please guide me further - Thank you very much.

Hi Just received a letter from the above Company which was opened in error as I did not have my glasses on. Its an outstanding debt on behalf of HSBC for nearly £5,000 for someone we have never heard of but has our address on the letter? What do we do? Send the letter back by recorded delivery with not known at this address? Any help is much appreciated.

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

Hi I'm new to this so bare with me. To cut a long story short I have a judgement against me on the 28 february 2013 by Wescot Spv Limited. I had a Variation order to pay the claimant the sum by instalments of £1.50 every month. My question is this; just received a letter from Wescot dated 30/12/2013 ( Happy new year to them as well) with attached Financial Statement Form the letter states ' you may feel that you are not in a position to start making an acceptable payment against your balance or that you don't know how best to manage your way through your current liabilities', blau,blau,blau and it goes on to say that they are specialist in establishing repayment plans and therefore like to offer me the opportunity to repay the County Court Judgement via regular manageable instalments which will be both sustainable and affordable given my current circumstances .I also need to respond to this letter or bring the terms of the County Court Judgement up to date by the 13/01/2014, further action may be taken. Well I did a Financial Statement for the Court that's why I can only pay £1.50 a month and I also have receipts for each payment I've made so do I contact them or ignore them? Hope I've posted this correct Look Forward to hearing your comments

Long story short: I got into debt 5yrs ago and have slowly been sorting through things and made arrangements with creditors etc. I recently received a letter from Wescot chasing me for payment on an old Mint CC (I probably received these before and ignored them). They are saying if I don't do something to pay the 7.5k debt in the next 10 days, they will take things further. A few things to note: 1. In 18 months time I will have all my defaults removed so do not want a CCJ on my file now 2. The above debt is on my credit file and due to be removed in May 2014 when the account defaulted 3. The last payment made on the account was in September 2007 4. There is an AP on my file for it in March 2008 5. I may have written a CCA request years ago but cannot remember if I did and if I got a reply (my head was pretty messed up a few years ago) Should I write for a CCA again? Is it now statute barred because I haven't paid for 6 years or does the AP in March 2008 affect it being SB? It defaulted in May 2008 so an AP clearly didn't happen! Any advice would be greatly appreciated. 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.

Hello all, I have had an existing debt with HSBC for a few years now and it has been sold on through a plethora of DCA's before winding up with the well run, sensitive, tactile company that is Wescot... they were calling me and sending letters to my parents address (I, coincidentally had just recently moved back into the area) but it seems like they were phishing all my existing addresses on their file? My credit report says that my debt with HSBC was settled in 2010 but Wescot are chasing it. I send them a prove it request and their reply was an offer kindly wiping 40% off my existing debt. I hit them with a CCA and their response was a DPA (Data Protection Act) confirmation request asking to confirm my D.O.B, inside leg measurements and other personal info. Now, does this class as a failure to comply? How can they need DPA confirmed if they were happy to send presumably lots of letters to different addresses demanding a few grand? Do I have to confirm the data, or is it up to them? I've had no activity on my credit report for a few months, maybe ever a year now so they haven't bothered to check there? Any help would be greatly appreciated, if you need more information don't hesitate to ask or if I am misinformed please let me know, Many thanks T

Hi all. Had a debt letter from Wescot today claiming £931.00 On behalf of Anglian Water. The bill had both my name and ex wifes name on it. I have no idea why they are contacting me so I called them. Apparently the bill is for an address that my ex lives at and dates back to 2005. He also mentioned something about closure in 2008? My ex still lives at this address so why the hell are they contacting me! I was with my ex in 2005 and I can only asume that it is from a previous property but she dealt with all the bills. What can i do about this? please help Chris

HELP! I had a loan with Lloydstsb that in 2011 went to Westcot. After 2 years paying Westcot monthly instalements (7k in total!) I still own according to them, same amount as owned Lloyds in 2011! Question is: how to find out if the debt was "sold " to Westcot? LLoyds would not discuss the matter with me at all and will only transfer my call to Westcot. Is it worth to pay off a lump sum? or to stop all payments to Westcot at this stage?!!! Help!! Thanks!

Received a letter from Lombard that they are handing all my details over to Arrow Global on the 5th December 2011, today i received a letter from Arrow Global saying that Westcot Credit Services will be collecting the debt on their behalf and any dealing regarding this debt are to be addressed to Westcott. The last correspondence i had with Royal Bank Of Scotland and their debt collection agency "Arden Debt Management" was a letter sent recorded saying the account was in dispute. Arden went quiet However Lombard sent me statement on a regular basis and then they sent the letter stating that they had sold or transferred the debt to "Arrow Global" Do i do anything at this stage or do i make the first move to Westcott stating that the debt of £1727.71 is in dispute with the Royal Bank of Scotland and they have bought a duff debt. Can they put a mark on my credit file if i don't play ball. Can Westcott legally chase me for the money.

After nearly five years of peace and even moving to a new home and 1 court success I have today received what I can only think is a fishing letter from Wescot Credit Services alleging that I owe a substantial sum of money supposedly to The Royal Bank of Scotland. My first thought is that I have never had a card with RBS but I am getting old and the grey cells have deteriorated, and then I'm thinking well they have my new addres but as that is open to the public why not but ??????????????? From my experience with CAG I'm telling myself not to react but to wait and see, so my immediate question is do CAG know anything about this Hull based outfit? Many thanks in advance. Lowwill

Hi, would love some advice please I've been paying a debt for years to Bryan Carter, it was over £1000 but had long since disappeared from my credit file and I've been slowly improving my credit score by paying my bills etc on time now that ive been in stable employment to the last 3 or 4 years..... ....my question is......A few months back I called Carters to see what the balance was and was told the Arrow Global have taken the debt back and have assigned it to Wescott. Carters told me not to pay them anyone and wait for a letter from Wescott to sort out paying the remainder to them. A letter came today from Wescott saying the balance was £118.29. As it was such a small amount ive paid the debt through the Wescott website to get it paid off and off my back. As this debt has long since been removed from my credit file will it now reappear now ive paid in full? Obviously I should of got some advice first but i just wanted to be finished with debt collectors. Now im worried that ive ruined my credit file as the debt might reappear. The original default date was 2004. Thanks in advance

hello everyone! me and my wife moved house in march this year and gave British gas a final meter reading to close the account when we left and expected a bill to be sent out in due course. we had our mail re-directed to our new, current address for 3 months and never received a bill from them. we have now received a final notice letter out of the blue from Wescot demanding we pay £460 within 10 days or further collection activity will be taken to recover the full outstanding balance. this was sent to our new address, my wife rang up British gas as it is in her name to find out why it has been passed on to a collection company and to clarify the amount. British gas then told us to deal with Wescot? British gas would not send out a bill. we are not sure what the original final bill amount was we have not had any contact with Wescot other than this letter, but my wife has mentioned that her mother is getting repeat phone calls on her land-line from a company looking for my wife. She just ignored them and hung up thinking it was just another cold call. Turns out its Wescot after asking which company they were ringing from. So my wife has called Wescot to tell them she she wants her parents telephone number taken off the system, they were happy to do so, she then said that she will pay the full balance off in 1 weeks time much to my disappointment, but i wasn't on the phone i would have contacted them via E-mail. i would like to know where we stand with this, its as if we haven't got a choice but to pay through Wescot? and we never received the final bill so cant verify if that amount is for the energy used, or plucked out of thin air Thanks FullOfDebt

Hi I had a bank account with A&L years ago. We started a DMP with Payplan which ends in a month. We were paying Santander the debt through the DMP but then I got a copy of my credit file and the account in question had a status of settled as of March 2010 so I thought they must of written the debt off, so instructed Payplan to stop payments this was in May 2012. A few weeks ago I got a letter demanding money relating to the account from Wescot. I told them my credit file states settled and they went off to investigate. They asked for a copy of the credit report so I gave them that. They have now come back with bank statements showing the account overdrawn with charges. My question do I need to pay Wescot what they are asking for when the account states settled? Are lenders allowed to pass statements to debt collectors?

Hi, Its been a while since I have needed some advice thank goodness! Right cut to the chase... In 2007 a CCJ was entered by Neslon Guest on behalf of LTSB which I managed to get instalments of £50.00 PM. They then went for a charging order on my property at the time, I went to court and it was discharged as no paperwork, lies etc.. In Feb 2010 it was then Set Aside. Removed from registry trust etc. So I lowered my payments to them to £1.00 PM as a gesture of goodwill and to stop further enforcement. I have now received a letter from Wescots with no Claim Number and (for a balance 300 pounds above the actual Concessionary Arrangement Statement from OC), stating that I am in default of my CCJ-overdue payment and that I have 7 days to pay this default or they will commence enforcement action, charging order,order for questioning etc. My question is do I dig up the grave and send a CCA request to Wescot and a SAR to LTSB ready war? Or do I have nothing to worry about as its been set aside and should report Wescots to the FSA?? Thanks in advance!!

I sent off a CCA request to Credit Security Limited - they had "brought" my old Lloyds TSB credit card debt a while ago. I had been paying them automatically (stupid I know), but then stopped when I found this site. They have sent back the request and the £1 postal order with a letter that just says: "We have been unable to action the enclosed as we are no longer instructed in this matter. Please forward all payments and communications to our Client direct at: LLoyds TSB, etc, etc" I sent this off to them as they were threatening me with payment within 7 days, etc, etc. I find it very strange that they were instructed just a few days before when they were threatening me What happens now? Do I just wait for Lloyds TSB to contact me again, or do I go ahead and sent the CCA request to them direct. Also (probably a stupid question) should the postal order be crossed or uncrossed?

Hello all, I have just registered as the advice I was reading has been invaluable, thank one and all, having many problems with wescot at present, they keep threatening court proceedings, holding them off at present, I made an access request to the credit card provider and all they have given me is the application form, advice seems to suggest that a reconstituted agreement will be enough to enforce the debt, is this true, the debts precede the change in the law, so I am covered by the 1974 act, any practical advice for next steps with wescot, it also seems to me that their solicitors are possibly in breach of the solicitors regualtion authority when they communicate with people, their disclaimer seems highly dubious. Any help would be greatly appreciated, as I need to protect my young family. Regards benjamin brittan

Good Morning. I have received three letters recently from Wescot on behalf of NatWest re my business overdraft. NatWest closed the account September 2011 and also a loan account I had with them. I had written to them explaining that I could no longer make the loan account repayments and supplied them with a list of creditors, expenses etc in support of this. We finally negotiated a final settlement earlier this year and for some reason the other account (overdraft) was never mentioned. I suppose hand on heart I hoped that the damn thing had disappeared in some dusty filing cabinet. Three weeks ago I suddenly receive a letter from Wescot, the one where they say 'we think you might live here but if you dont reply we'll assume that you do'. I have since received a second letter actually stating what they are chasing, and now a third threatening legal action and/or door step collection. I haven't replied to any of them but not sure what the next step is should the summons appear. The original debt was £7300 but now has transformed into £8800 since being in Wescot's grubby hands. I have never received any letter from NatWest advising me that they were instructing Wescot to act. Should I contact original creditor and discuss? Bit concerned as I am a houseowner. Thanks for any advice.