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Wescot Credit Services Ltd

from Alison Vick (mrspickstone@aol.com)
To cut a long story short, I am currently fighting a shortfall claim from Yorkshire Building Society and Eversheds. Has been ongoing since 1998. They keep 'putting the matter on hold' or simply not replying to my correspondence for months at a time. On advice from this site I have simply been requesting information from them. In August they sent me documentation consisting of mostly illegible copies of mortgage repayment and CCJ documentation. Also sent full breakdown of debt being claimed, consisting of a typed sheet with no supporting evidence of how each amount was reached. No documentation relating to repossession or original mortgage. In desperation (and exasperation), on advice I wrote to CEO of Yorkshire Building Society. Received letter from YBS debt recovery asking me to phone. Wrote back saying I would wait rather correspond in writing and would they send me copies of documentation relating to debt and original mortgage. Received letter from YBS including SARN form. I am now SARNing them, but not using their form. Have this morning received a 'notice of debt collection' from Wescot Credit Services Ltd, on behalf of 'Legal Direct Recoveries Ltd' asking for £542.31 in settlement of some debt, although it mentions no other 'client'. Especially no mention of YBS or Eversheds. I am pretty sure I don't have any other debts from long ago. I am definitely not in debt with anybody now, and so can only assume this is relating to mortgage shortfall. I am confused by this, it seems the sort of thing they would send if they were trying to confirm I lived at my address, but Eversheds and YBS know my full address. Can anybody help me shed some light on this? Should I also SARN Wescot about this? (it asks me to phone but I'm not falling for that one). Would appreciate anyone's ideas or advice. Thanks very much
(posted 7901 days ago)

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