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Fidelite and a hand written letter through the door -JDW debt


Roddaz77
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Hi guys I need some help.

 

Today my dad phones me (as I don't live there it's just a correspondence address) to say a letter has been posted whilst he was out. It's hand written. So I ask him to open and its from these ... The new Scottcall....

 

Says 1st attempt and for me to ring them urgent...

 

They have sent letter in the past few months and reading on here I have ignored them, however now they have come to the door I'm worried a little....

 

It's for a JD willaims bill of £1,200 which I know I can't pay, so what do I do, it's been sold on to them from wescot as I've had loads of letters from them.

 

Do I phone them say I'm requesting and a cr thingy or do I just wait it out and see if they come again, and tell

My dad to not let them in

 

Help will be appreciated thanks

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So what's the course of action? They sent me a letter saying they would send someone and reading on here they said ignore they won't send..... Today someone has turned up at my dads.

 

Do I ring them, do I ring the numbe on the blue calling card!!

 

Stuck what to do next ... What's the course I take... They look like its come from wescot originally and now these have it

 

Please help

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Simple... You ignore them. They have no power whatsoever.

They do this to intimidate... And by reacting you are letting them win.

 

Wescot dont buy debts either... Something really smells... Like rotten....

I dont know what other reassurance I can give you...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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How did they 'aquire' this catalouge account then :( not sure what to say now but I'll stay off ringing them.

 

Just hope it's not gonna turn into a ccj or have them pester my dads house

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Ignore dont ring or get into correspondence with them ...Snotcall don't do court...nor Wetcloths......

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Who are wetcloths or snotcrawls client

Listed in their letter's

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Then the debt is till with the original creditor

Go check that on your credit file

 

DCA's are NOT BAILIFFS

They have no more powers than you or I

 

And even less if they don't own the debt!

 

Sadly though you need to start paying this to the OC

Even by a small amount

 

When did you start with jdw?

When did you last pay?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So can I ring JD Williams and see what payment plans I can do with them.

 

I can only assume it's JD williams as I don't have anything else outstanding that I know of

 

Just checked my credit report and the JD willaims is actually with Cabot now!!?? As that's the only thing that's on there for £1200 There is no records of fidelite OR wescot on there ... What the hell!!

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So can I ring JD Williams and see what payment plans I can do with them.

 

I can only assume it's JD williams as I don't have anything else outstanding that I know of

 

No. You write to them and you tell them what you're paying. You need to keep a paper trail, stay off the phone and only pay what you can realistically afford.

 

If Cabot have the debt then it's a lemon debt. Something is wrong with it as Cabot rarely ever buy legit debts

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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So In regards to this fidelite door visit what do I do there, I know they will come again!!

 

 

How do I find out what they are supposed chasing ..

. And it says on my noddle credit report Cabot have the £1,200 debt on mailOrder

the only other is Lowell who I'm fighting against now as they went for a ccj at Northampton on another account.

 

 

So what is a lemon debt?

I don't understand sorry, and thank you for all your replies

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I would send a DSAR to JDW...then you can verify what the true amount outstanding is and what penalty charges/interest has been applied...then you will be in a better position to negotiate with them effectively.....ignore the rest..including Carboot.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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So have Cabot written to you yet?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Have you moved since you took this out?

And when did you take it out please?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

So you have moved since you took this out?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

brilliant

that explains what has happened then.

and why you got not Notice of assignment from CABOT.

 

 

Wetcloths & Snortcrawl are DCA's that primarily do tracing for other people [their Clients]

 

 

so what you need to do now is prevent Cabot from filing a Claimform to your old Addresses

 

 

get a CCA request running to them.

this will serve 2 purposes

1. inform them legally of you new address thus stop a backdoor CCJ

2. put them to strict proof that they hold enforceable paperwork etc etc.

 

 

which bearing in mind your other running court thread

might be a good idea

 

 

now you see why it is SO important to inform creditors you have moved.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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