Debt Passed onto WESCOT even though in Dispute with Santander

[sparky_grant]

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.

[Old Cogger]

usual letters they are debt collection co

 

Might pay to give actual info on this one before you do anything? as Wetcloths seem to chase for a number of companies,

[citizenB]

Yes, it is frustrating isnt it. .

 

I suggest you write back to Wescott advising that this account, which is disputed with the Original Creditor, is being passed around like a parlour game and you are getting fed up with it.

 

You should then send an official complaint to Santander.

[BRIGADIER2JCS]

Hi Wecome to CAG,

 

Have Wescott bought this debt? Or are they collecting on behalf of Satans Bank?

[citizenB]

Have Wescott advised if they are acting as agents of the bank or have they been assigned it ? To establish ownership, you could send the following:

 

 

 

[ATTACH=CONFIG]42137[/ATTACH]

 

 

[ATTACH]42138[/ATTACH]

[sparky_grant]

Hi,

 

Letter from WESCOT states "We have been instructed by our client to collect the outstanding balance on thier behalf." i assume that means they are collecting.

 

Thanks for quick reply..

[BRIGADIER2JCS]

Good so Satans still own the account, what type of account is this??

[sparky_grant]

Was a loan which i took out about 10 years ago!

[BRIGADIER2JCS]

CCA request to Wetcloths then.

[sparky_grant]

ok thanks, will do... thanks for the help..

[Hacked_Off]

Arnt Santander owned by Barclays? As are wescot?

[zydeco]

Arnt Santander owned by Barclays? As are wescot?

Simple answer, no.

 

Satans bank is Spanish, Wetcloths is

An ethical debt collection agency, governed by stringent regulations

 

(from their own website)

[dx100uk]

is this on your cra file?

 

see below

 

when was your last payment?

 

dx

[sparky_grant]

hi, sorry for long time to reply! my last payment was to IQOR about 2 years ago. Do you mean my credit file? if so it is no longer on my credit file.

[dx100uk]

cca wetcloths then.

 

so you've been defaulted more than 6yrs ago?

 

dx

[sparky_grant]

cca wetcloths then.

 

so you've been defaulted more than 6yrs ago?

 

dx

Yeah, account was defaulted in about mid 2004.

[sparky_grant]

Hi, back again. Sent CCA to wescot with £1 postal order. Received a letter back with my CCA letter and postal order stating that "in order for us to provent a breach of the data protection act and aslo continue with your enquiry, it would be most helpful if you could confirm your date of birth and the last address that you resided together with the date vacated."

Do I send the info? Sounds like to me they are fishing or wasting time. Thanks in advance for any help..

[BRIGADIER2JCS]

NO it is not necessary to do so, the CCA request is lawful as it6 stands, technically it does not even require a signature.

I can draft a challenge to this for you tomorrow if you wish.?

[sparky_grant]

Yes please, if you could. Thanks for the help..

[BRIGADIER2JCS]

Will do!

[sparky_grant]

Hi brigadier2JCS, any luck with the reply.

[BRIGADIER2JCS]

Looking in now

[BRIGADIER2JCS]

OK.

A letter to the

 

Compliance Manager

Westcott Credit Services.

 

Ref: Use theirs.

 

Sir/Madam,

 

I am in receipt of your letter dates xx xx xxxx enclosing my 'lawful request for information'' made under section 77/78 of the Consumer Credit Act 1974 and stating that Westcott require me to supply further data relating to my identity, which I believe to be a deliberate ''delaying tactic'' by Westcott as I have provided adequate information already.

 

As Westcott CLEARLY believes that It has contacted the right debtor by writing to me demanding payment for an alleged debt the can be no valid reason for non compliance with my CCA request, unless of course Westcott have breached the OFT Guidance 2003/2102 by demanding payment from me when it is not sure that I am the debtor who owes an outstanding debt.

 

I am returning my request and the postal order for £1.00 herewith and expect Westcott to comply with my request well within the 12+2 working days time scale allowed.

 

I am prepared to make a formal complain to the OFT and the ICO regarding the conduct of Westcott Credit Services regarding this matter.

 

Please note THIS LETTER IS NOT AN ADMISSION OF ANY LIABILITY TO WESTCOTT OR ANY COMPANY IT MAY CLAIM TO REPRESENT..

 

 

send by recorded deliver and check receipt.

[sparky_grant]

Sorry for late reply, first of all, thank you so much for all your help BRIGADIER2JCS. was a bit late sending the letter. Finally got round to sending letter to recieve today this reply:-

 

COPY AGREEMENT REQUEST

 

We refer to your recent letter requesting a copy of the credit agreement for the above account, pursuant to the Consumer Credit Act.

 

We are not the creditor for this account but are instructed on behalf of the above client. In the circumstances, we are returning your postal order which was made payable to Wescot Credit Services as this needs to be payable to Santander UK Plc. Youi can either send your request direct to our client our resend it to us and we will forward it to them.

 

In the meantime, you will need to make arrangements to pay the account. We shall place the account on hold for 28 days to enable a repayment arrangement.

 

I have not sent the 14 day letter as I was going to do this today. Is this more time delaying? thanks again for all your help.

[dx100uk]

silly beggars

 

wetcloths know only full well they MUST have the agreement

to try and fleece you.