Westcot/Nelson Guest

[c_a_s110]

Hi, i'm looking for some advice

I have a £5k debt with MBNA(although the letter from NG now says client Bank of America) which has been running for a while did have a p/plan in place with mbna missed a couple of payments and my account was passed onto AIC who harrased me for a while about 18months ago then all went quiet for a while. Then about a month ago I started getting calls and letters from Westcot and then this morning a letter from Nelson Guest Solicitors offering a reduction if i ring Westcot or they will considor a realistic payment plan and i must reply within 10 days.

Should I make contact with Wescot, I cant afford a reduced amount but possibly could do a payment plan depending on what realistic means (realistic to them or me).

I havnt sent a cca yet so would this be a starting point

Many thanks c_a_s

[dx100uk]

woe there

 

you say you have a letter offering a 'discount?'

 

dx

[sillygirl1]

If it is with Westcot and Nelson Guest (a 'solicitor for rent') then you should either

 

a) offer a third of their discounted rate in full and final

 

or

 

b) ignore as they rarely take people to court.

[Bazooka Boo]

Contact them in ten days! Really, who the hell do they think they are barking orders at people??

 

Just for that alone I would ignore them, but when they talk about reduced amounts, that would further reinforce my decision to ignore them.

 

They are not interested in what payments are realistic to you, they only care about how much money they can squeeze out of you for their benefit.

[pinkclouds]

Hello,

 

@c_a_s110: What did you do and what has been the outcome? I'm in exactly the same position (ok, different credit card) with Nelson Guest and Wescot for a smaller amount, it sounds like the same letter.

 

I haven't been in touch with any of them (ever, it's been a really rough year and I've had my head buried in the sand) and the 10 days has now passed.

 

The card is quite old, pre 2006. Is it worth going down the CCA route? If so, who should I send the letters to, the original bank or Nelson Guest/Wescot?

 

Thanks for any help.

[dx100uk]

start your own thread

 

dx