We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
We're aware that dates on the Forum are not currently showing correctly. Please bear with us while we get this fixed, and see Site feedback for updates.
Wescot phoning daily

belcam
Posts: 56 Forumite
Wescot are calling on a daily basis, regarding a credit card debt which I believe could be statute barred. Foolish enough to tell them I would pay an amount monthly during their first call but having realised that it was defaulted in 2005 and I certainly haven't contacted them in the last 5 years (Scotland), I think I am in a position where they cannot touch me. When they call I simply refuse to answer the security questions, now I know they are going to call every day so what should I do? Will I continue to refuse the security questions or should I write? Or shall I let them continue sending demand notices and ignore them?
0
Comments
-
Send a letter advising them you want your number removing and all communications should in writing.
See the following page for more action to take
https://forums.moneysavingexpert.com/discussion/38484690 -
Also send them a letter saying that the alleged debt is statute barred, providing you haven't paid anything or acknowledged the debt in 5 years as you are in Scotland(6 in the rest of uk) If they continue to hassle go trading standards and the FSA .Excel Parking, MET Parking, Combined Parking Solutions, VP Parking Solutions, ANPR PC Ltd, & Roxburghe Debt Collectors. What do they all have in common?
They are all or have been suspended from accessing the DVLA database for gross misconduct!
Do you really need to ask what kind of people run parking companies?0 -
This is the telephone harrasment templates you can use - http://forums.moneysavingexpert.com/showpost.php?p=11571485&postcount=4A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0
-
Many thanks for your help people...these forums are a godsend to people like me.0
-
I had a bit of fun with one and even got a laugh from one
The call went'
DCA:Hi is that mr skint and fat,
ME:Yes
DCA:Can you you confirm some details,
ME: only if you will first
DCA: OK?
ME: I'm wearing a nice red dress now- do you like dressing up?
DCA: pardon?
ME: I'm wearing a nice red dress now- do you like dressing up?
DCA: Sorry, I didn't understand
ME: If you want me to answer your silly questions then you can answer mine
DCA: cuts phone off0 -
Wescot are calling on a daily basis, regarding a credit card debt which I believe could be statute barred. Foolish enough to tell them I would pay an amount monthly during their first call
i think you have acknowledged the debt yourself already and agreed to repay it, so the time is re-set back to 5 years (Scotland)0 -
i think you have acknowledged the debt yourself already and agreed to repay it, so the time is re-set back to 5 years (Scotland)
Nope.
Once a debt is statute barred in Scotland, the debt is legally "extinguished". It no longer exists.
Nothing you do can "unbar" it.
Plus in either Scotland or England, phone calls cannot count as acknowledgement. Even if recorded. It has to be acknowledgement in writing signed by the debtor or their appointed representative.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Nope.
Once a debt is statute barred in Scotland, the debt is legally "extinguished". It no longer exists.
Nothing you do can "unbar" it.
Plus in either Scotland or England, phone calls cannot count as acknowledgement. Even if recorded. It has to be acknowledgement in writing signed by the debtor or their appointed representative.0 -
Can i ask what does Statute barred mean?0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 348.3K Banking & Borrowing
- 252.1K Reduce Debt & Boost Income
- 452.4K Spending & Discounts
- 240.9K Work, Benefits & Business
- 617.2K Mortgages, Homes & Bills
- 175.6K Life & Family
- 254.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 15.1K Coronavirus Support Boards