Wescot Letter

tru

Even if you do owe 'Shop Direct' make sure they've actually passed/sold the debt to Wescot. I've had 3 letters from them in the last year saying "as you are aware, you have been paying us for your Goldfish debt.......blah blah blah" (or words to that effect). Each time, I've rung Goldfish and Fredrickson International and they both say I should be paying Fredrickson and they have no idea how Wescot got involved and I should ignore them.

southernscouser

Personally I don't see why you should have to pay a pound out of your pocket for a debt you don't even have to pay!

If your firm and precise with them they should comply. They won't know what your talking about and will be more scared than you are!

Wonder_Girl

The statute of limitations is very hard to prove, especially as you have moved address since. I suggest you send the letter as per SportBeth’s post. It's worth a pound for piece of mind.

wishingonastar_3

rang them this morning to tell them i know nothing of the debt, i want proof its mine, and also pointed out its over 6 years old, therefore statute barred. they said even though the debt is over 6 years old, there is no such thing as it being unchaseable, and they will take me to court if I don't pay it by the date put on the letter. and they don't have to provide proof. and if i don't pay it, they can chase my parents for the money instead or take it up against my own property for repayment??????????????? i said they couldn't do that, said about codes and complaining to office of fair trading and/or financial obudsman and he just laughed and said they'd make me pay the debt before they'd even listen.
is any of that true does anyone know? thought i'd have sorted it ringing up, but now i'm more worried than ever. they were really horrid. should i try the letter sportbeth said. please any advice much appreciated. they've reduced me to tears, and made me feel awful.

wishingonastar_3

sorry forgot to add they said they can get an order to have it removed form my wages, i don't want this all coming out at work too. is that true they can do this too?

EdinburghKev

You should write to them like sportbeth said and state you will only deal with them in writing. They need to start answering your questions, this is terrible.

EasilyAggravated

send them a letter saying what sportbeth quoted in the 10th post. also tell them that you require any further communications to be by letter and insist this. if they try taking you to court then you have the evidence to ruin their attempt.

wishingonastar_3

i've just done the letter, will get a postal order this afternoon. does anyone know if what they said is true though about chasing my parents and/or putting a claim on my property (house?)

sportbeth

This is shocking behaviour on Westcots part and a blatant disregard for the law and the OFT regulations.

A debt that hasn't been paid in 6 years is statute barred, meaning that they cannot touch you in court or do pretty much anything else. They certainly cannot put an attachment of earnings or anything on your property without going to court, which they can't if it's statute barred.

If they do not have a correct deed of assignment and original signed copy of the credit agreement they also cannot take you to court, without taking you to court they cannot do any of the other two things again.

This is typical of westcot and why I said don't phone them. They are dependant now on scaring the bejesus out of you and getting you to pay. They are also reliant on you not knowing your rights and couching up with the claptrap that they have just spouted to you.

Send the letter I posted, wait for them to not come back to you and then report them to the OFT for blatant disregard of the Debt collection guidelines and consider them matter dropped.

If they phone you again with any threats simply respond "that's very nice, would you put that information in writing for me?" They won't because it's all B*%%)£ks

EasilyAggravated

sportbeth wrote:

This is shocking behaviour on Westcots part and a blatant disregard for the law and the OFT regulations.

A debt that hasn't been paid in 6 years is statute barred, meaning that they cannot touch you in court or do pretty much anything else. They certainly cannot put an attachment of earnings or anything on your property without going to court, which they can't if it's statute barred.

If they do not have a correct deed of assignment and original signed copy of the credit agreement they also cannot take you to court, without taking you to court they cannot do any of the other two things again.

This is typical of westcot and why I said don't phone them. They are dependant now on scaring the bejesus out of you and getting you to pay. They are also reliant on you not knowing your rights and couching up with the claptrap that they have just spouted to you.

Send the letter I posted, wait for them to not come back to you and then report them to the OFT for blatant disregard of the Debt collection guidelines and consider them matter dropped.

If they phone you again with any threats simply respond "that's very nice, would you put that information in writing for me?" They won't because it's all B*%%)£ks

i was feeling a bit !!!!!! off for some reason. felt a need to thank you because the last sentence chuckled me somewhat