wescot & Provident problem

[hotc25]

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

[Stigman]

Hi,

 

Just wait the usual 12 + 2 working days, then send the Account In-Dispute letter if you have received nothing.

 

As usual advise, do not phone Wescot and if they ring you, refuse to go through the security questions, say "in writing only" and hang up.

 

Have you recieved both letters (N.O.A.) from both Wescot and Provident?

 

Have you checked your credit file to show that Wescot are the true owners?

 

Stigman

[hotc25]

hi

I have only received the 2 letter both from wescot ,not sure what u mean (N.O.A) sorry . No i have not check my file, to scared that other debt not sure if i have other debt on my file or wescot get my phone number cause they have not phoned . so 12 + 2 then the Account In-Dispute letter

[Learnerlitigator]

A Notice of Assignment to show they own the debt is what Stig refers to I think, without it they can't enforce.

[Stigman]

N.O.A. = Notice Of Assignment, this means that all the rights and balance of the debt has been legally transferred.

 

It's OK to check your Credit Files, never be scared of DCA's contacting you, you will soon learn to love the fight, and then when it is all over, you will also miss it!!!

 

Stigman

[hotc25]

Ok thanks for the help i will check my file on Tuesday when im off work, work nights so im off to bed now ,Just not sure what i will find on my file as i was unemployed for over a year , but will get back to you all , thanks for the help guys its great to know i have ppl to help me with this all

[Stigman]

When you check your Credit File, Noddle (part of CallCredit) is free for life but holds very little information as they are the third of the credit reference agancies.

 

Experian and Equifax both offer 30 day trials but remember to cancel within the 30 calender days, otherwise your card will be charged up to £14.99pcm.

 

Stigman

[hotc25]

ok wescot sent the postal order back saying they are not the creditor and that the postal order was made out to the wrong people ,but that i can send the new postal order with the correct name (provident personal credit ) on and they will forward it to them , so do i send it or does this change anything ?

 

thanks

Edited September 19, 2012 by hotc25

[Bazooka Boo]

Who did you address the postal order too?

[hotc25]

wescot said to address it to provident personal credit. i haven't sent one now

[Bazooka Boo]

Ignore Wetcloths, deal direct with Provi, if they don't want to deal with you then that's their lookout!

[hotc25]

Hello

 

Sorry not sure my other post disappeared !! , i received a letter from wescot asking for money ,i then sent them a request for the cca and have now received this letter

 

 

Thank you for your recent contact

 

we acknowledge that you have raised a query on this account and we would like to confirm to you how this will be investigated

 

we will suspend all collections activity on the above account whilst the matter is under investigation.This means that we will not write to you ,or telephone you in pursuit of the account

 

however ,we may need to contact you if we require further info

 

as our investigation of your query will require us to contact our client,this process may take several weeks. we would appreciate your patience

 

 

ok thats a short version

 

so what do i do now ?

[sequenci]

Wait and see what they come back with. In the meantime don't pay anything.

 

[hotc25]

so just wait is there not a time limit or something ?

[Bazooka Boo]

Yes if you requested the CCA then after 12+2 days send them the dispute letter, if they fail to supply it.

 

What is the account they claim is owed? Loan, credit card?

How much?

How old?

When was the last payment?

[hotc25]

the debt is a loan from provident personal credit its about 3-4 years old and its under £1000.00 last payment was i think 2 years ago

[Bazooka Boo]

Eugh, Provi....

How did you take this out?

[Jam_Buttie]

Provi loans are applied for online usually. then the agent calls round with the readies.

[sbox65]

Hotc25 says the last payment was about 2years ago - What happened to the Provident agent did they give up trying to collect the debt, I only ask as Wescot assign debts to the Provident for collection. This happened to me Wescot had been on my case for some time then assigned it to Provi, thanx to this website I knew the debt was approaching SB status and did not sign the new agreement.