Old BOS account

dc240969

I got a reply from FOS yesterday. They state they have sent a letter to Wescot and l should expect a reply from them, again, which should be a final reply. They also say it should be within a couple of days or 8 weeks. if l am not happy with the final reply l should then contact the FOS again. I dont see where this will go again as Wescot cant prove it and have said as much. l guess l will just have to wait and see what they say now. It has been over 3 months since they said as much.

dc240969

Letter from Wescot today, included one from BOS. is there any way to attach this to a reply, with personal details etc hidden? To much to type.

sourcrates

Take a picture, upload to your computer, should be able to upload on here.

dc240969

FOS called saying they are requesting info from BOS and Wescot and will be in touch .

dc240969

FOS called and said they wouldnt be able to assist as BOS wont let them due to being time barred. :banghead:

dc240969

bump please

sourcrates

No evidence of the debt equals no debt in the eyes of the law.

If they ever started a claim, that would be your defence.

Till then, I'd just ignore it.

I had one account very similar, Cabot bought it, couldn't find the paperwork, said I'm not paying then, this was 2006, not heard from them since.

dc240969

The Evidence they are trying to pin is that l paid to the debt regularly until l questioned the validity. When l raised the dispute l stated that the only reason this was paid is because l felt pressured into paying it. l dont dispute being a customer in the past when things got very difficult and alot of debt elsewhere had to be dealt with, l thought this was just another nail in the credit file. But as l cleared all l always doubted this debt and over the years have disputed it originally with the first collector Blair Oliver and Scott.

sourcrates

dc240969 wrote: »

The Evidence they are trying to pin is that l paid to the debt regularly until l questioned the validity. When l raised the dispute l stated that the only reason this was paid is because l felt pressured into paying it. l dont dispute being a customer in the past when things got very difficult and alot of debt elsewhere had to be dealt with, l thought this was just another nail in the credit file. But as l cleared all l always doubted this debt and over the years have disputed it originally with the first collector Blair Oliver and Scott.

Thats rubbish, they must produce paperwork when asked, makes no difference if its been paid or not.

This has been dragging on far too long, you need to write to them, inform them that as no credit agreement has been produced, you consider this debt to be unenforceable until such time as it is produced, and until that happens, you wont be paying.

Then put it to bed and forget about it, unless they send a claim form, in which case lack of credit agreement is a full defense.

If it went to another debt collector, same applies, no credit agreement, goodbye.

dc240969

With regards to a credit agreement they say that there was no agreement as this was an account which had, for better words, an overdraft which in essence was to cover all expected outgoings.