Hi all, Have a debt with Santander which was with IQOR, sent all correct letters to with ended in IQOR writing back on 14th FEB 2011 saying that they were going to conduct an investigation into the issues raised and they would write back with an outcome of the matter. that was the last i heard from them, until........ Receive NOTICE OF DEBT COLLECTION from WESCOT on saturday for the same debt (client ref number matches) Do i have to start the process again? or is there a different letter to send them as account is still in dispute even though its been over 2 years since last correspondence.

I had a current account with Santander without an agreed overdraft. I went over by approx 140 - which was made up purely of their charges ("there wasnt enough money in your account to pay XYZ so weve had to had to pay it for you and charged you the earth for the liberty") Now I got myself in such a mess with Payday Loans, i opened a brand new account with Nationwide and switch to them. Santander are chasing me for the outstanding balance, however they are ignoring all my letters and the balance has now bumped up to £583!!! What can I do about this? Obviously I'm upset as it was all made up of charges and fees and I'm already up to my neck in debt as it is!

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 there, We have a payment arrangement with these guys, and my wife rang up recently to change bank account details for direct debit. After she gave her date of birth, they said that they held 'wrong details. Now they have sent letter asking for birth certificates. Just curious as how this could have been mixed up?

Hi Everyone. Ive read this forum daily over the last few years and now I need your help if at all possible. I applied for a job recently and was offered a position pending credit checks and crb checks, I gladly gave my information as have nothing to hide and had no issues to worry about. 2 days later the company rings me and says that my contract offer would have to be withdrawn as I have a CCJ worth over £10,000 with a company called Wescot SPV limited and this was granted in July 2012. This is the 1st I have heard of it. I have contacted Wescot SPV and they state it is from a debt taken out with the Co-Operative Bank in 2007 and I have failed to repay and not responded to letters or calls. I have NEVER taken out any form of credit/debt with the Co-Op and definitley not taken ANY loans/cards/store/finance since 2004 after paying my old debts off after the sale of my house. I asked Wescot SPV to send me through the post, proof that the loan was infact mine, any signatures, any evidence and as yet (3 weeks later) I haven't had a thing off them. I also asked where they had sent letters to and they responded " to your last known previous addresses" Now since 2010 I have been living with my wife and kids and registered on the Electoral Roll, so any basic search would show I live here. Ok ok im waffling.. ...so.. ..I have since sent to the court an application to have the CCJ set aside, and stated that I knew nothing of the court summons as they have sent forms/letters etc to the wrong address, and dispute the debt as I am 100% sure It is not mine. I have now received a letter saying the application is now transfered to Newcastle Court and they will issue a date for a hearing. What I want here, is some advice, what else do I need to do, what will help, what can I prepare for etc? Many thanks

A couple of years ago, when I first moved out on my own, I was young and stupid and ran up a few small bills, then left my flat and the debt behind. I'm now a mum with a young baby and am on benefits. Who cannot afford to pay anymore out for bills a month than I already do! Wescot's have sent 2 letters to my parents house, claiming to be collecting debt owed on behalf of united utilities. They say I owe 290 pound, which i am certain I never owed that much. My parents have said if they turn up or anything they will be quite happy to say they don't know where I am. But will they send someone? And if I do just ignore this will they find me? And do I have to pay them or can I just get back in touch with united utilities and pay them the money I actually owe?? As I said I am on benefits and struggling as it is. Any advice would be appreciated, I have no idea what I'm dealing with or what my rights are here!

A few of my own debts are with this bunch if clowns. Three infact. Had letters this month thanking me for corospondance, but they have misplaced it and would I mind sending it again. How can they lose documents? and no, I wont be sending them again.

Hi to everyone, i hope i have posted in the correct area ! I had a halifax credit card which i have defaulted on , due to being off work for 6 months and 2 operations, we have been surviving on SSP and tax credits . I sent them a letter explaining my situation with an expenditure form and an offer of £10 a month till things get better . It was sent recorded delivery and was delivered okay ( i still have proof ) i recieved no reply . I have been paying £10 every month but it was given to Blair Oliver and Scott ,their in house dept , although i have now recieved 2 letters from a firm named Wescot and a letter from BLAIR stating that the debt has now been TRANSFERED ! to Wescot . Can anyone put my mind at rest , i get daily phone calls , mobile/landline which i ignore but its making me a nervous wreck !!!!! Has this debt been passed to Wescot because there is no original paperwork ? Is it a fair bet that this debt wont be enforcable in a court of law ? Are they just trying to collect the debt and have bought it from the Halifax ? If any one can give me some sound advice i would be grateful. TIM

In Spetember 2012 the Halifax agreed to £1.00 a month payment for 6 months on my £6120 outstanding credit card balance, to be reviewed in March 2013. I have the letter from them that states this. I set up the £1.00 a month before they agreed and it has been going out monthly ever since. Last week I received a letter from the Halifax to say they had passed my account onto Wescot for collection. I then received a letter from Wescot to say they were now collecting the debt. I've tried to find out why my debt has been passed on to them as I have not broken the agreement. Blair Oliver said I should speak to Wescot to arrange payment. I asked to speak to Halifax, Blair Oliver said my account was no longer to do with Halifax. So I rang the Halifax anyway which was only possible by not putting in my account number on the automated system on the phone as if I did I was directed straight to Blair Oliver. Halifax said I should speak to Blair Oliver and Scott. I'm going round in circles and back to Wescot. I know Wescot are only collecting the debt, the debt hasn't been sold to them. But I was wondering if this was standard practice, or should Wescot not be involved yet? Should I write to the Halifax? Any advice greatly received!

Hello, I took out a bank loan Dec 2007 when I lived in Scotland. Shortly after I moved to England. When it came to make the repayments on the loan I found myself out of work and unable to pay. I informed the bank of this and my new address. I never heard from them again which I found surprising. Now last week out of the blue I receive a letter from Wescot claiming on behalf of their client for an amount roughly but not exactly amount I owed. The bank has never informed me of passing this debt onto this agency or using them as a collector. Now before I posted I looked through similar cases on various sites and was made aware that a debt in Scotland is void after 4 years and in England 5 years, is this correct? So my question is am I under England rules where I live now or Scotland rules where agreement was made? Secondly is the debt from when it was signed or from when first payment was due? And finally any general advice on this issue, should I just ignore them or should I contact them?

Hi I hope someone can help me out here. Today I received a county court claim form (NORTHAMPTON) from Wescot SPV LTD. To my knowledge I haven't made a payment to this lot for over 6 years so I have sent a letter today requesting statement of accounts breakdown by recorded delivery. The dates on the CCJ form say from 14/5/07 to 08/10/12 interest is added etc but it doesn't state when the default was issued so I cant tell if it is over 6 years. I have checked my credit file and the debts do not show up on there and not been on there for at least a year. I also filled in the acknowledgement of service on-line to give myself 28 days in order to defend and hopefully have the necessary paper from Wescot with last payment etc. I'm pretty certain I never paid them a penny from well before this date so Im presuming the debt is statute barred how can they issue a claim if the debt is statute barred (if it is) or is this common practice by them are they just hoping ill be scared and offer some payment. Thanks

HELP!!!!!!! I have a £5k debt to Mbna from Jan 2010 it was sold/passed around Aic, Wescot, Moorcroft and finally Arrow Global with a few solicitors letters in between. I did try to reason with Aic when the account was first passed but soon learnt my lesson. Last week a letter came from Shoosmiths solicitors (dated 20/9/12) asking me to agree terms in the next 14 days or they would issue court preceedings (threats that had been made in previous solicitors letters), then yesterday a claim form arrived from Northhampton County Court (Claiment Arrow Global). What do i do or can i do? Who do i need to contact and what do i need to send back to the court? Any help appreciated

hello all were to start today my wife received a warrant of execution from northampton ccbc. it states that my wife has failed to keep to terms of a ccj which she had no idea was taken against her from wescot for the sum of £1600.00 she registered with all 3 credit reference agencies to see what this is all about on all 3 we carnt find any registered defaults against her for the past 6yrs but we did notice a ccj placed in april this yr. i have read up on these forums about filing a n244 which i have downloaded can someone plz advise me what to do next

had letter from northampton county court for a debt of over £1000, it says the debt was sold by EOS who i dont recognise to wescott. have checked my credit file not on there and am thinking they are chasing a statue barred debt. looking for advise for nxt step as i have been sent claim form n9a and n9b thanx in advance

hi guys i received a letter from wescot telling me that " provident personal credit has assigned all the right ,title and interest in your debt to wescot .the above debt is now legally owned by wescot " so i cca them with the letter n, I got from here and the postal order and recorded delivery on the 17th of august 2012 and then received a red letter from them on the 22nd telling me of my debt and that they are collecting ,the standard letter i think . so do i just wait the 12 day and then the month or has anything changed in the law ? thanks for all the help in advance

Hi I havent posted on here before so please bear with me . I owned my own fashion store which closed 2 1/2 years ago leaving various debts which are pretty much cleared . Now after all this time I have received communications from a company called wescot credit servcies ltd . They are chasing an overdraft I had on my Natwest business account of £5000 , I had not heard from Natwest since my shop closed so I figured the debt was liable with the business rather than me. I was not a limited company so initially could not understand why natwest didnt chase me up? I am now unemployed and caring for my dad & 3 daughters struggling to make ends meet. I have received 2 letters from wescot asking for immediate payment of the 5k! I have ignored both letters but I am now very worried as the second letter threatens a door step collector and/or court proc eedings. They havn't tried to call me although I am expecting this as I guess Natwest will have a record of my home phone number. What do I say if they do? can anyone please advise me what to do next? If you need anymore info please ask. Thank you so much for reading

Hello All, I'm after some advice: I had a current account with the Halifax which got into a state of disrepair around 2 years ago with an amount in it of £-2566.92 against a £2500 overdraft. It was a "spare" account back in the halcyon days. I wasn't paying into it, partly because I was in hospital having a heart bypass - partly stupidity: so they shut me down. I am currently separating and living in a different house from my wife too - she has the run of the joint account - also with the Halifax. Wescot finance have written to me 3 times now - firstly (6/6) to establish that I am living here, secondly (10/6) to give me the bill asking me to get in touch with them and pay it, thirdly (20/6) with a final notice to pay up before 4/7; I have ignored all of them as they are raised on behalf of HBOS and have no legal authority; as I understand from some information kindly supplied by these forums. Today, a letter from Nelson Guest and Partners Solicitors dated 30/6 arrived offering to halve the bill if paid within 10 days of the date of the letter - otherwise further recovery action will be taken. So my first question is should I pay the bill or will they arbitrarily reduce it further? Or what are their tactics likely to be now..... I'd quite like the answer to be "ignore it" - I have banked with the Halifax for 15 years without a hitch - I should imagine that I've more than paid my dues there....so it's not going to weigh too heavily on my conscience. My second question is could there be any repercussion on my joint account? I think the answer here is no as I am not completely responsible for it.... Thankyou for reading this far - and now that you have - what do you think ? Kind regards - Andy

Hi looking for a bit of advice I had a CC with Halifax owing approx £6000. I defaulted back in March 2009. After sticking my head in the sand I finally attempted to sort it out. The debt was being chased by Wescot. ( at this stage I had not looked at my CRA file) I came to an arrangement with Wescot and starting paying approx £20/£40 a month off and cleared over a £1000 before my circumstances changed again. I am now paying a token £5.00 per month. I have checked my CRA file and the debt is still registered with Halifax, however it shows the balance has been reduced so it appears the money collected has been passed to Halifax. This is where I am looking for advice. As the debt is stilled registered to Halifax, I sent a offer of full and final direct to Halifax. I heard nothing but then I received a letter from WESCOT stating my offer is not accepted and their client would only accept a much higher partial settlement. This has miffed me, the debt is owned by Halifax and I wrote to the Halifax but the reply came from WESCOT (they dont own the debt and as far as I can see are just collecting the debt) Is there any way I can just deal direct with Halifax. At the moment I am not sure whether what Wescot has told me is correct? Would a CCA letter be of any use, I could I just say the debt is with Halifax and I will only deal with them from now on? I want to try and settle the debt but not sure what to do? Sorry its a long winded message buit would really appreciate any advice.

Hi, I received a County Court Claim regarding an old debt with Provident (over 6 years) from Wescot. The debt is for £1300 including almost £400 in interest and court costs. Your site is extremely helpful and yesterday I completed the County Court Claim form giving the Statute barred paragraph I found on here. I also found a really helpful post advising another user in a similar predicament the following letter is sent to Wescot. I have the letter ready to send and just wanted to make sure all the wording is correct? I would really really appreciate any advice you would be kind enough to give. Dear Sir, Re: xxxxxx v Wescot SPV Limited Case No xxxxxxx Combined CPR 31.12 and CPR 16.4(2) Request On Saturday 11th August I received the Claim Form in this case issued by you out of the Northampton County Court. I confirm having returned my Acknowledgement of Service form to the court indicating my intention to contest all of the proceedings. Owing to the striking lack of particularity in your Particulars of Claim, I require the prompt disclosure by you pursuant to CPR 31.12 of each of the following documents, mention or reference to which would have been made had the Particulars of Claim contained the minimum of necessary particulars and complied generally with CPR PD 16. 1 the agreement giving rise to the obligation to Provident Personal Credit for the credit advanced. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. 2 the deed or other instrument of assignment by which you / the Claimant acquired rights under the agreement disclosed by you under [1] above. 3 the default notice, the service of which was a condition precedent to the creation of the debt now sued upon by you pursuant to the assignment disclosed by you under [2] above. Additionally and in relation to the interest claimed, pursuant to CPR 16.4(2) 4 Under CPR 16.4(2)(a)(i) please now state whether the claim to (TOTAL OF CCJ) includes a claim for interest under the agreement disclosed under [1] above and if so, 5 Under CPR 16.4(2)(b) specify the amount of that interest, and 6 the percentage rate of interest, the date from which it is calculated and the date to which it is calculated, alternatively 7 Where more than one percentage rate of interest has been applied or compound interest has been applied in the calculation of the amount of interest specified at [5], specify each element of interest comprising the sum for interest specified at [5] and for each such element specify the amount treated as principal in the interest calculation, the percentage rate of interest, the date from which it is calculated and the date to which it is calculated. 8 Of the interest amounting to (TOTAL OF INTEREST ADDED TO ORIGINAL AMOUNT) claimed pursuant to County Courts Act 1984 section 69, specify the date from which it is calculated and the date to which it is calculated. Although your claim is for a sum which is not more than £5,000.00 and will in all likelihood be allocated to the small claims track for determination upon my delivering a defence, at this moment in time I have not delivered my defence and the case has not been allocated to a track. In consequence the provisions of CPR 27(2) are of no effect and you should not seek to avoid compliance with your CPR 31 duties by claiming otherwise. You should ensure compliance with your CPR 31 duties and ensure that the documents I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case. Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party. In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.12 request. You should also ensure compliance with your CPR 16 duties and likewise ensure that the particular regarding interest are fully provided to and received by me within 7 days of receiving this letter. If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. If you are unable to comply with that part of this request concerned with CPR 31 and believe that you will never be able to comply with this request you must tell me in writing. Please note that if you should fail to comply with any part of this request or fail to request more time, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order. I look forward to hearing from you. Yours faithfully

Hello, i'm new here and didn't know if i needed to open a new topic, but here it goes...Last december someone from the BritishGas came to my house in the evening looking for somebody i did not know. The house was a shared one. He read the meters and asked for the names of the people i live with. I gave him mine and 2 more, saying that i m not the landlord and giving him the name of the landlord and his phone number. After a couple of weeks i received a letter asking me to pay about £500 for utilities.I talked to my landlord asked him to call british gas to change the name from the bill. After another week a letter from Wescot came demanding to pay the outstanding amount. I talked again to my landlord asking him to fix this, he said he called and told them that i am not paying the bills, giving them his name as he pays the bills. I moved in february from there, and2 weeks ago i received a letter from Wescot "Address Verification" demanding me to call urgently on 0844 to update my info. And today i got a Final Notice letter. I thought everything was ok since my landlord talked with them. I don't want to pay a penny as i paid my rent with bills included, and it was only a mistake that they put the bill to my name for one month.What should i do? do i ignore them hoping they will stop? i dont even know how they know my new address. i read some topics on them and i dont know what to do. help please with an advise! thank you

Hi hope somebody can help, Yesterday we received a warrant of execution from Northampton county court stating that we owe nearly £400 from a ccj that was granted in December. How can they do this?? We knew nothing about it, I have had a SD set aside before and I would have done the same had I known about this. THe debt relates to a contract with Vodafone from well over 10 years ago, it was thur phones4u and they never delivered the phone. We had several arguments with them pre 2002 and it was all sorted i thought. We have never heard anything about this debt. Its Wescot who have got the CCJ! MY OH went to the court yesterday and paid £80 to have a hearing in court under the grounds of we know nothing of this debt and dispute owing any money. PLease can someone help, I'm almost certain its SB but we have no paperwork to prove as it was from so long ago. Im certain we havent had any DC letters or anything and if we had I certainly would have ignored them. HOw can a ccj be granted without us knowing? HOw come the court didnt send us info re one being applied for? Im absolutely gutted and feel like this is going to be a real battle now. Not sure how long itll take to get to court, so any help greatly apprecaited. Ta Gilly

Wescots are the latest in a very long time of DCAs chasing outstanding balance for loan account on behalf of LloydsTSB. Although I have successfully reclaimed PPI refunds in respect of all three loans, LloydsTSB cannot provide me with copies of the 3 loan agreements - from 2002 through to 2005. They have sent me one reconstituted CCA but I believe that they have to be originals or real copies from that time to be enforceable in a court of law. Am I right??? Wescots have sent me copy statements of my loan accounts and are demanding payment. We've been playing letter ping-pong for months now. I have already advised them that the account is in dispute and they have referred back to LloydsTSB who insist there is no dispute. However, Westcots are still chasing. I understand that they can ask me for the outstanding balance but Lloyds can't take it to court because they cannot produce enforceable CCAs. My preferred method of communication is in writing. I can tell Wescots til the cows come home but still they insist that I call them to arrange a standing order/repayment plan/etc, I persevere though. (I have no landline and my mobile signal gets lost in the country!) NOT that I would actually talk to them anyway. If reconstituted CCAs are in order for these old loan accounts - I will offer them token payments each month. Thanks Impecunious!

Hello all, I'm hoping someone can give me some advice / help, I found out that I have a CCJ a while back and recently started the process of getting it set aside. The hearing is to take place next Thursday at my local court; the Original Debt was with MBNA credit cards. This was taken out in 2000 and I defaulted when I became unemployed in 2005 this was then taken over by Wescot Credit Services. I had payment protection but was self employed so it did not cover apparently (I am about to start a PPI claim as well for this protection) The amount is around £2000. I made some payments to wescots agent MIL Collections of £5 a month but I have at the insistence of my girlfriend asked for proof of this debt from them, stopped payments with them while they proved I had a debt with them and they have stopped chasing for this debt. I received a letter yesterday from a litigation manager who works for Wescot. He has done a witness statement with 12 points he is refuting why I should have the CCJ set aside. He has CC the court apparently. The letter does seem to be a template letter as it refers to me as a she a couple of times and other weird mistakes. The CCJ was sent to my old address early 2008 but I had moved from that address 9 months earlier, I have no recollection of having contact with them during this time and thought I had contacted everyone before I had moved. I need help on if this is a scare tactic or if I have no grounds now etc. The 12 points are: 1: he states he can act on behalf of the claimant – no problem there 2: he states he has access to the claimants file of documents and computerised case management system – no problem there 3: He confirms the amount of the claim around 2k was assigned by MBNA to wescot in Jan of 2005 4: He confirms that the sum claimed relates to a MBNA credit card taken out in 2000, he confirms the credit card number and that it defaulted in 2004. He includes a computerized case management system printout – this is Wescots own system and nothing contains my signature or agreement with MBNA etc 5:He confirms that it went to Northampton county court bulk centre as a regular judgment 6: He states that claim form and judgment was served to my old address, he states the address. He states that in accordance with CPR 6.9 (2) were served to my usual or last known residence. He states I have given no supporting evidence that I have left the address and that I had not advised Wescot that I had left the address – As I was not in contact with them during this time I was not aware I had to inform them I had moved. I have proof of payment slips from my new job 80 miles away from my od address and also for my new tenancy agreement. 7: He states that I made payments to a external agency “Fredricksons” even though I had been making payments to MIL Collections. He has attached print outs of there system showing me making payments to external agency. 8: He states as I was making payment I acknowledge liability 9: He states under CPR13.3 (2) I needed to act promptly. He states as Wescot had entered judgment in 2008 and I did not start the process to get it set aside when I found out in April of this year that my application is a clear abuse of process. 10: He states that I had not provided evidence in support of my application, he then quotes a case of ICI chemical vs V TTE training ltd. Where he highlights that “a case should not proceed to trial on the basis that some further evidence may materialize in the future” - when I spoke to Northampton to check what I needed they said that I should gather my proof of why it should be set aside and bring it to the court hearing, was this bad advice? Do I need to send Wescot and the court a copy of my proof? I only have a few days till the court hearing. 11: He states that I need to have real prospect of successfully defending the claim. - I have asked MIL collections – wescots agent for proof that I owe this debt and they have no responded. 12: He states that a court should order that the claimant receives their costs when the court sets aside a regular judgment - not sure what he is getting at here. So if anyone can give me some advice as to if I need to send of my proofs etc before the court case next week and to who etc? Concerned person

Hello, Folks Haven't been on here for a while but I am currently getting letters from Wescot about an alleged debt with Bank of Scotland (Credit Card). I asked them for a copy of the original signed agreement and confirmation that they are authorised to collect any alleged debt and they have written back saying. "Having contacted our client they have requested that you contact them direct..... Please enclose a £1.00 fee" So what do I do? My instinct is to ignore them or to say they have still not provided me with evidence that they are authorised to do this - anyone could demand money and claim to be acting on behalf of someone else - and say that until Bank of Scotland contact ME directly I will not consider that I've received any communication from them. Does this sound reasonable and within the Law - anyone? Thanks

Hi, I have a loan with LLoyds bank which I've been making regular token payments on every four weeks due to being on JSA seemingly without problem. However, I received a letter today from Wescot stating that I MUST give them a shed load of cash or phone them or it WILL result in further recovery action. I checked noddle to see what was going on and LLoyds have marked the debt as a late payment (in fact I paid early - due 27th paid 25th as it was JSA payment date). After a bit of poking around on here it seems Wescot (and Lloyds I presume) are just trying it on in an effort to get me to panic and cough up what I owe? up my token payments? something else? I start a new job tomorrow so will soon be able to start payments on the loan but in the meantime what is the suggested course of action?