Wescot cannot supply signed agreement

rhhmunro

Thanks again! I sent a very similar letter when they merely sent me a statement and no agreement. What concerns me is that the CCA requirements are probably met in this document but it is clearly a standard document that has had my name and address stuck on it. This suspicion is strengthened by the fact that they sent me two versions, one probably a source document which is unformatted and has the following internal reference at the bottom

T01R TEASER/RBPTEA/TEASER/MARIOT/TEASER4/AMAZON/ 1205

The other has been doctored in Word to make it look a little more official and the reference is absent.

Teaser? What's that all about I wonder?

rog2

rhhmunro wrote: »

T01R TEASER/RBPTEA/TEASER/MARIOT/TEASER4/AMAZON/ 1205

Certainly enough to 'make you wonder' rhhm, :think: :think: :think:

I wouldn't 'throw that letter away' just yet - might just be what someone 'needs' to expose the way that Westcot treats their intended victims.

stapeley

McKneff wrote: »

i dont give a flying fox about banks morals, i bother about my own.
and morals and honesty have everything to do with it. Thats why we have turned into a greedy grasping race because there are too many people who are morally bankrupt, dishonest and greedy.

And I think we have found out these people are running the GOVENMEMNT and the BANKS

withabix

Why does the OP not just ask Halifax for a copy of the document?

Maybe because it is more likely to be provided :rolleyes:

DrScotsman

McKneff wrote: »

ok Dr S, i respect your opinion and found your post interesting and now I shall bow out gracefully- notice please i hit your thanks button

And you notice the same

withabix wrote: »

Why does the OP not just ask Halifax for a copy of the document?

Maybe because it is more likely to be provided :rolleyes:

Or maybe because it's the DCA's legal responsibility?

withabix

DrScotsman wrote: »

And you notice the same



Or maybe because it's the DCA's legal responsibility?

Yes, it is, but the OP could resolve this confusion by obtaining the document from the original lender and then more quickly continue paying the money they owe if the document exists.

Simples.

fermi

withabix wrote: »

Yes, it is, but the OP could resolve this confusion by obtaining the document from the original lender and then more quickly continue paying the money they owe if the document exists.

But the OP didn't borrow any money from Wescot.

If Wescot want to collect the debt then they should have the correct legal documents.

Simples X2.

rhhmunro

withabix wrote: »

Yes, it is, but the OP could resolve this confusion by obtaining the document from the original lender and then more quickly continue paying the money they owe if the document exists.

Simples.

There are two flaws in your argument. How do you know that I owe the money? (For your information I have more than repaid the capital sum borrowed.)

Also why should I do Wescot's work for them? Are you seriously suggesting that I attempt to get the CCA off Halifax and give it to those deserving people at Wescot so they can fleece me to the end of time?

They bought the debt for a pittance, it's their job to provide proof of its validity.

The coffee smells great by the way

withabix

Wow, you got a loan with no interest! :rolleyes:

On your logic, we would all just pay back the capital borrowed on mortgages. Neat idea.

rog2

withabix wrote: »

Why does the OP not just ask Halifax for a copy of the document?

Because, withabix, under the terms of the Consumer Credit Act, 1974, it is the legal responsibility of the person/company who is persuing an 'alleged debtor' to provide, on the request of, and payment of statutory fee by, the 'alleged debtor' a true and compliant copy of the original executed consumer credit agreement - whether they are the original creditor or not.
It is not the responsibility of the alleged debtor to approach the original creditor.
It, most likely, is the case that Westcot have, as the OP says, purchased the debt, knowing that the paperwork was 'iffy', or non-existant, and, for that reason, they would ave paid very little for the debt - maybe just a few pence in the pound. Westcot are, probably, counting on the OP's ignorance of the rights that the Act affords him/her, and will simply 'pay up' to get them off his/her back.
It's usually quite a safe bet for people like Westcot and they make an awful lot of money - but they know the rules and, also, know that sometimes they will come up against someone who will question their 'dodgy' practices.
I am afraid that I have little sympathy for Westcot and their ilk.