Another Wescot Victim!!

paulmcerlean

DGJsaver wrote: »

No he doesnt

read it again....properly

Yeah, I just have. First paragraph. Debt owed to Wescott by OP.

End of.

DGJsaver

paulmcerlean wrote: »

Yeah, I just have. First paragraph. Debt owed to Wescott by OP.

End of.

Err , no...

WESCOTT say the bill is owed

Op disputes either the bill and/or the amount

Its very simple

glasses ?

paulofessex

woody01 wrote: »

Its more DISAPPOINTING to see pond life trying to do anything to get out of paying their bills.

Disgusting response to the OP. Was this how you was greeted when you first joined the forum and posted your questions. That is exactly the type on postings that give forums like this a bad image.

hullight

The OP's account at the collections company will be put on hold while they get a copy of the bill to him.

I THINK the OP is using the 'it's not my bill' approach rather than the 'I had a contract but I have paid it' approach, hence why Wescot want their last few addresses so they can see if they match up.

Also note to the OP mobile phone contracts aren't covered by the consumer credit act so the debt wouldn't be uncollectable just because they don't provide a signed contract in so many days.

woody01

DGJsaver wrote: »

Some would say they are one and the same.....

in any event , people like you could learn to post nothing , if its not of any use to the OP`s questions...or sod off to the moneysavers arms....;)

Only the stupid

metalgal

I think the op has used principle wrong but i get his point.
I was called up by a debt collectors about an outstanding debt and they pretty much demanded that i give them my card details over the phone. Yeah like i was going to give my details to someone who called me out of the blue. I had never received anything from the company i allegedly owed money to with regards this debt nor had anything from the debt collectors i didn't even know the name of the company they said they were calling from. I think the OPs principle is that if O2 believe he owes them money then O2 should have contacted him about it not a debt collector. I refuse to pay a penny to the debt collector harassing me until i receive full information regarding the "debt" from the co i "owe" money to. I have told them such.

I don't know about the address thing. i think the OP should phone o2 directly and get info from them and then pay if he owes them the money.

paulmcerlean

THEMOUND wrote: »

Listen Pauly stop being so up your own butt with your higher than mighty attitude

thanks for the advice - i respect it coming from YOU.

wayne99

send them a prove it letter:


Dear Sirs,

Account No:

You have contacted me regarding the account with the above reference number, which you claim is owed. I would like to point out that we have no knowledge of any such debt being owed to you.

The ‘Office of Fair Trading Debt Collection Guidance’ states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. They also state that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive and/or unfair methods.

Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment, amounts to physical and psychological harassment.

In light of the above, I formally request that no further contact be made concerning the above accounts unless you can provide evidence as to my liability for the debt in question.

I await your written confirmation that this matter is now closed, within the next 14 days.

Yours faithfully
Sign digitally

send recorded and keep a copy of the letter and receipt for the recorded postage and wait and see what they send you.

(i take no credit for the letter it is a copy that never-in-doubt did i believe)

Wayne.

never-in-doubt

hullight wrote: »

Try the Consumer Action Group if you want to join people who spend all day plotting the downfall of the debt collection industry by refusing to pay a fifty quid bill that will only have attracted commission for the company anyway.

P.S. Should this really be in the loans section?

Steady! CAG is nothing like you describe actually....

It promotes fairness to consumers by taking a more stringent approach to the con merchants that are banks, dca's and associated scum. Don't confuse the pair with your morals, there's a good boy.

never-in-doubt

southantrim3 wrote: »

Hi guys,

I've recently been sent communication by Wescot that I owe them £51.71 in relation to an O2 bill. Now I grant you it's not a lot of money but I'm still refusing to pay it on principle.

Ok, refuse to pay and get a default (if not already) which will ruin your credit file for at least 6 years, wise move? Nope!

southantrim3 wrote: »

On hearing of the bill I sent them back a reply asking for a "true or fair copy" of the original bill and contract.

They are under no obligation to supply this as utilities do not conform to the CCA therefore the only way you'd get the info you seek is by sending a SAR request to the Original Creditor asking them for any data about you. From this you'll see where the monies arise - however you ought to be speaking to them and at least disputing the balance, otherwise you'll find your stubborness affects your ability to get the most basic of credit facilities - there is being stubborn and being stupid and sorry to say, for £50 you are going the right way about being the latter....

southantrim3 wrote: »

Today I received a reply from them asking me for my 3 previous addresses in order to prevent them breaching the Data Protection Act. Have they not already done this in contacting me out of the blue when they don't know it's me at the current address there corresponding to?

The DPA is there to protect both you and the OC - therefore if you request sensitive data they have every right to request additional ID or previous addresses - lets assume you had a contract with them, paid it then moved address. However for whatever reason, an erroneous payment was debited thus they sent you a final bill at your old address and you never knew about it.

See how easy it is to miss a little bill? Similarly, you're bonkers if you're happy to get defaulted for £50.....

southantrim3 wrote: »

Anyway, how should I reply to them with regard to my 3 previous addresses.

Now before you jump down my neck I am the number one anti bank person on here and make no secret that I hate the whole process, that aside the advice given throughout this thread is actually spot on in that you're really cutting your nose off to spite your face.

I can help get the default taken off if they have already done it but you need to forget principle and think logical from now on!

So, start by sending a simple letter back to the DCA explaining everything and give them all the help they need... if they prove it is not you then fine, end of the matter. If they deem it is you then you request SAR from the mobile company and see what they say.

Right now the last thing you want to do is ignore them or deliberately hold out - it's absolutely bonkers!

As I say, i'm not having a go or anything but i'm struggling to grasp the logic here........ regards to the advice above - don't send the prove it letter right now - usually i'd agree and say go for it, but not on this occasion so forget that - do the sensible thing, save your credit rating and either pay the £50 or argue it properly in a formalised structure.....

Playing silly beggars will not help you, quite the opposite in fact.

Niddy - over & out! :hello: