Halifax CC debt - blair oliver and scott- wescot

[tim40]

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

[dx100uk]

i would think it has just been passed to them to collect - not sold.

 

so you are safe to ignore them.

 

only the OWNER of the debt has any powers .

 

you have donr the correct thing

 

but i'd refrain from sending anyone any pers financial details

only a JUDGE can demand that.

 

have you any other debts?

 

have you looked at your CRA file?

 

do you have all the statements?

 

could there be PPI/PENALY charges to reclaim anywhere?

 

dx