Wescot Credit Services Debt Collection Agents

 

Registry of Debt Collectors

 

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What To Do If You Get A Nasty Letter or Phone Call From:

Wescot Credit Services Debt Collection Agents

Wescot Credit Services Debt Collection Agents is a debt purchasing company listed in the website of

 

 

DPC Registry is registered under the Data Protection Act. Reg. No. Z1620707.

Name: Wescot Credit Services Debt Collection Agents

Wescot Credit Services Debt Collection Agents and the Truth About Your Debt

You may question the validity of the debt by making a SAR (Subject Access Request) in response to Wescot Credit Services debt collection agents. The true owner of the alleged debt (the bank or the debt collecting firm) is obliged to give you a true signed copy of your original credit agreement if the contract was signed before 6 April 2007. If they do not do this they are breaking the Consumer Credit Act, and the alleged debt is said to be in dispute. While the debt is in dispute they are not allowed to demand that you pay anything (if they do they are in further breach of the act) and they are not allowed to sell it on (which many do). While the debt is in dispute it cannot be enforced, even by a court. There is a series of letters you can follow up after this. If you want you can get a solicitor to do this for you, owing to the difficulty of the law at certain points. There are also quite a few legal and paralegal firms who have expertise in this field.

The chances are that they might ask you for your mobile number if you have one (and most people do nowadays). But you should not give it out to them. If you do they will phone you at work and at home at any time of their choosing. They will continue to do this even after you ask them to stop, so tell them in writing, and preferably send the letter by registered post or recorded delivery to get a signature at the other end (the problem is that so many operate from a PO box number so a signature is impossible to get). Some of the worst debt collecting companies (DCAs) will even stoop to contacting the people who live next door to you and ask them if they know anything about your debt. The worst will tell your kids that you are a bad parent because you can't pay your bills or threaten to do so, hoping to scare you and widen their profit margins. All these debt collection companies are driven by greed and so their salesmen know that they have to hit their sales targets. All the activities just described are illegal, yet the law appears to be indifferent. Dealing with the demands of Wescot Credit Services debt collection agents can put a real strain on you.

You must ensure that you know whether or not the debt collecting firm has bought the debt for themselves as a means of turning a profit (in the role of a debt purchasing firm) or whether they are doing recovery work on behalf of a client company such as a credit card issuer or a bank (where they would pocket a proportion of recovered funds in commission). If a letter of assignment has been sent, which the law requires when the debt has been sold wholesale, then you know that the debt collection firm is the actual owner of the debt and will try to get as much out of you as they can. When dealing with Wescot Credit Services debt collection agents do bear in mind that every penny the collections agency gets is profit as they purchased the debt outright. So he will try to break you any way he can.

Certainly, some debt purchasing companies are much worse than the rest. Some have a speciality in writing tentative letters about hypothetical debt to people saying that they owe money when in fact they know full well they owe nothing at all. This works well for the debt collection companies because they're well aware that a certain number of folk always capitulate when bullied even though they realize full well that they owe nothing at all. The least honest of these debt purchasing firms compile inventories of debts which are often more than six years old and try to make money from them. This is totally illegal. These debts are Statute Barred, and their recovery cannot be legally enforced.

So ask Wescot Credit Services Debt Collection Agents for a copy of the original contract when you took out your loan or credit card.

Even better, start an unenforceable credit agreement application here. If you want to check, in addition, missold PPI and recover all the credit card charges you've paid over the last 6 years (plus 8% interest) it costs an upfront fee of only £99 for a full audit to see what you're entitled to. Click here for more.

 

We are licenced by the Office of Fair Trading. Licence No. 633327.

We are signatories of the Data Protection Act. Reg. No. Z1620707.

 

 

More Data On Wescot Credit Services Debt Collection Agents

 

If you have any information that you would like honest people to know about Wescot Credit Services Debt Collection Agents then send us an email in complete confidence and we will try to corroborate it with the clowns involved.

 

 

 

This Wescot Credit Services Debt Collection Agents website is part of DPC Registry website group. All rights reserved.