Wescot letter looks like payslip- advice please?

[casperellis]

Hi there,

 

 

my husband received a letter today which looks like a payslip and is from 2F Wescot Credit Agency.

 

 

The matter it says it refers to just gives a number and no kind of description, the number means nothing to us.

 

 

There is no information at all as to why they are contacting us and we have no idea what it could be about

as as far as we're concerned we have no debts owed which we aren't already paying correctly.

 

 

Is there any way of finding out what they could want without actually calling them

as it seems that making contact is not the best idea with this agency?

 

 

Or do we just ignore it until (if) we get something more concrete?

 

Thanks in advance!

[BankFodder]

Please would you post up a copy in pdf format please - redacted, of course. Also, please read the CONC rules - especially the rules which related to receiving a card or letter

[casperellis]

Thanks for the link. Unfortunately I can't post pdf as have no facility to do so.

[renegadeimp]

You scan it or take a pic with your smartphone, edit out personal info, convert to pdf online, then upload.

[casperellis]

Yes thanks I know how to do it but as I said don't have the facility to do so.

[dx100uk]

have a look at your credit file

 

 

I hope you have sent everyone you are paying your debts off too a CCA REQUEST?

 

 

dx

[casperellis]

No I haven't

the debts are credit cards and student overdrafts which we have always kept up to date with but haven't yet paid off,

I don't dispute any of them so wouldn't have thought this was necessary?

 

Wouldn't a DCA only be involved if there had been some kind of default?

And if there was a default surely we would know about it?

 

 

Is that right or could a creditor not bother contacting us and go straight to a DCA?

 

 

I think that's what I'd really like to know,

does this contact mean there must be a debt or could it just be completely false?

I guess the best place to go then is the credit check agencies?

 

Hope that makes sense. Thanks a lot.

[dx100uk]

if all your debts are still being paid back and are owned by the original creditors

then a CCA request might not be appropriate.

 

 

however, have you ever looked at PPI and PENALTY charges reclaiming?

can be a worthy source of income to reduce debts.

 

 

an OC can pass the ebt for collection at anytime to a dca without ref to you

though if they sell a debt, you should get a notice of assignment.

 

 

if you are not behind, not on a lower payment, or have not been defaulted

on any of your debts, then I cant see the OC's involving a DCA.

 

 

sound like a phishing letter etc to me .

 

 

seen a few of those tear open wage slip things myself over the years.

 

 

credit file might well shed some light

 

 

go see noddle below, its free too

 

 

dx

[casperellis]

Thank you for your help. PPI is good advice as is referral to Noddle. Many thanks