Credit Services is a debt purchasing company or debt collecting firm
listed in the website of DBSG
(The Debt Buyers and Sellers Group) and/or mentioned in consumer finance
forms. They have a legitimate function as debt collectors, but there
is some indication that some such companies (not necessarily Wescot
Credit Services), and especially the debt purchasing element, go a bit
too far sometimes and can make people's lives a misery when those same
people are at their most vulnerable. We do not suggest that they are
acting outside the law, but getting that letter or phone call is not
exactly helpful to you right now.
So the first thing
you must do if Wescot Credit Services are bothering you is not
to panic or despair. That's just what they want! They'd love
you to call their number and speak to their specially trained sales
team for 'advice'. But once you do that you'll be suggestible to whatever
they tell you, instead of getting independent advice. While we always
say that you should keep an open dialogue with debt collectors, we would
recommend that you do so in writing only. This will prevent them 'railroading'
you into any action which is not in your best interests, as they so
love talking people into doing things on the spur of the moment. Of
course, they are only doing their job, but that's hardly a consolation
for you in the present situation.
There are several
courses that are open to you, and some will suit your own situation
better than others.
A sensible option,
we would suggest, is a debt management plan or even an IVA - which is
designed to actually write off a large chunk of your unsecured debt.
But you would need to take advice on this and look at your income and
expenditure in detail. This option won't suit everyone. There's more
on this below.
For an alternative type of
loan you could apply for a 'logbook loan' which many
people find a very handy option. It is actually a loan secured on your
car, except you get to keep the car and keep the cash as well! That's
why some people find it such a good idea, as it unlocks the equity in
your vehicle without taking away your means of transport (there's no
need to sell the car).
Yet another option
is a no credit-check guarantor loan. This is especially
useful because your own credit rating is not looked at; you must find
someone else willing to act as a guarantor for you such as a friend
or family member. This is an ideal solution if you're at the stage where
your credit profile has been downgraded by recent events, etc. So click
the following link for Unsecured Loans
that don't need you to be credit checked.
If you wanted to
try a debt management plan, then we provide a whole-of-market
service, with a number of debt management experts on our panel. So whatever
your circumstances, your application will find the plan for you, meaning
the optimum outcome for your situation. It also means
there are no minimum requirements for debt levels or income.
So apply for a debt management plan using the form below.
Credit Services Ltd
Also Known As: Wescots, Westcott Credit Services, Westcot,
Wescott, Wescot Debt Collectors, Westcot Credit Ltd, Westcot Debt Collectors,
Westcott debt collectors, etc..
Address: PO Box 137, Dunedin House, 45 Percy Street, Hull HU2 8HF. Also
The Mash, Jarrat Street, HULL HU1 3HA. Also Midlands House, Oswald Street,
Glasgow, G1 4PL
Telephone: 01482 590590 and 0141 3005300
Fax: 01482 380629
Email: person or department @wescot.co.uk
Extra Data: They
have over a thousand entries on the various consumer websites. It seems
they've been very busy being unpopular!
Wescot Credit Services and
the Truth About Your Debt
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check by applying
Wescot Credit Services
Limited is a debt collecting agency which has purchased a debt account
from the original creditor, usually a bank (or in some cases another
debt collector) for much less than the worth of the original account
and is attempting to get the full value of the original loan from you.
Wescot Credit Services
Ltd will use all sorts of methods to get money out of you in order to
make money from you. You may already have experienced bad dealings with
them. They may phone you up when they know it is inconvenient for you
and do this many times every day. They may send you official appearing
sternly drafted letters threatening to send someone round and collect
the money in full or take you to court if you cannot pay. Other strategies
may involve saying that they will make a charging order on your property
or make you lose your home.
So ask Wescot Credit Services
for a copy of the original contract when you took out your loan or credit
To find out if you
qualify for an IVA or can benefit from a debt management programme,
try the IVA
Test. It's free to apply, and again you are protected by the consumer
laws regarding debt management at all stages. Click
here to go to the application form.
Data On Wescot Credit Services
These people are particularly prolific
and we are planning a large detailed account of their practices in
the near future. So many lives have been soured by Wescot that they
deserve close scrutiny.
you have any information that you would like honest people to know
about Wescot Credit Services then send us an email in complete confidence
and we will try to corroborate it with the clowns involved.
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a look at the Insolvency Service's leaflet called 'In Debt', downloadable
of Debt Collectors
Wescot Credit Services website is part of DPC Registry website group.
All rights reserved. Complaints Against Wescot Credit Services debt