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Moon phases


Wescot / PayPal - harassment?

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Wescot / PayPal - harassment?  Empty Wescot / PayPal - harassment?

Post by Etiquette on Thu Apr 18, 2019 6:26 pm

Started the 3 letter process with them. Sent the 3rd letter on the 9th of April.

Received one back today basically stating that PayPal have told wescot my account isn't locked or closed so I should be able to login to check my "statements" and referred me to contact PayPal legal team.

They also stated I have till the 6th of May to respond before "normal contact activity" will start again.

That last sentence I've never came across before, most DCAs use the term recovery action.

Who actually are wescot and why do they seem to think they're allowed to pretty much openly admit they're going to harass me over a debt they're claiming is valid without providing any actual evidence that it is valid or that it is owed by myself?

I was going to send the estoppel on the 19th, any other guidance or advice would be very much appreciated.

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Post by Mrblue on Thu Apr 18, 2019 9:08 pm

in my case, Wescot acted merely as a DCA (Debt Collection Agency - aka minions...) on behalf of a Debt Purchaser. DCAs have no legal standing as they do not OWN the alleged debt. Do you have a letter to say either the debt was sold to them or that they bought the debt?

Why do I ask? Because you would have needed to use the correct 3 letter system.
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Post by Mrblue on Thu Apr 18, 2019 9:22 pm

(And yes DO send the estoppel as it is a legally recognised document)
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Post by daveiron on Thu Apr 18, 2019 9:24 pm

According to their website they are just collectors.
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Post by Mrblue on Thu Apr 18, 2019 9:57 pm

Yep there you go... They’ll give up in time you’ll see
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Post by waylander62 on Thu Apr 18, 2019 10:31 pm

yes i agree

wescot are acting agents, they do have a bit of power

they have the power to ask , plead, beg for you to agree to pay something but thats about it really.

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Post by Etiquette on Sun Apr 21, 2019 9:39 am

Thank you guys. I just don't get why they are even bothering trying to threaten me, they have no way of putting the PayPal debt on my credit file so seems pointless

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Post by Mrblue on Sun Apr 21, 2019 9:42 am

You’re welcome. They’re hoping you’re scared enough to pay up.
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