Who are Wescot Credit Services?
Wescot are a company that buy "bad debts" from banks, telecoms suppliers, utility companies, mobile providers and other credit lenders at a discounted rate. They then chase the debtor for the full amount of the original debt.
The original creditor will have sold the debt to Wescot. The debt collection agency (Wescot) typically pay as little as 10p for every pound of debt they buy, but will chase you for the full amount of the original debt plus interest and costs.
So the chances are they are calling, texting or writing to you because they have purchased your debt from the original lender, like Lloyds, Santander, British Gas etc. They now own the debt and believe you owe money.
If you have been contacted by them, you have to make a decision on how to deal with them.
Do you actually owe them any money?
Wescot are just a debt collection agency, and therefore have to provide clear evidence that you owe the money.
Just because they keep calling or are writing you letters stating that you owe them money, does not mean you actually do. YOU MUST CHECK!
How old is the debt they are collecting?
It could be statute barred, which means you no longer owe it.
If you do owe them money then do not enter into an agreement with them before you have taken advice.
This will make sure that they can prove that you actually owe the debt, and if so, that you get an agreement which is affordable for you.
Too often people are pressurised into paying the amount the debt collection agency want them to pay, even if they really can't afford to pay that much each week or month.
Our experts deal with Wescot Credit Services every day, and can quickly help you determine if the debt is statute barred, in which case you won't have to pay anything.
If you do owe the money then we can also give you a FREE financial assessment, which you can then send to Wescot.
This will make sure that if you do owe them money you onlt enter an agreement to repay on YOUR TERMS, at a rate you CAN AFFORD, rather than the one they may suggest.
Even if you have already entered an agreement with them, we may still be able to help you if you are struggling with the current payments.
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What can Wescot Debt Collectors do?
You may be reading this because you have received a text message from Wescot along the lines of "Please call Wescot Credit Services urgently on (0844 number) quoting reference number (xxxxxxx)".
This is not uncommon, Wecot will continue to text, call and write to you, until you pay.
However, debt collectors like Wescot must follow the strict debt collection guidance that are laid down by the FCA (Financial Conduct Authority)
The FCAs debt collection rules and guidance sets out minimum standards that all authorised companies involved in debt recovery and debt collection must adhere to in order to be considered fit to operate as a debt collector.
Therefore, under the rules laid down by the FCA, Wescot can not claim unfair or excessive collection charges, they can not harrass you, they can't threaten to seize your property (when lawfully they cannot), they can not bypass an appointed representative and contact you directly. The FCA also bans debt collectors from threatening legal action when it is unlikely to take place.
If you're one of the many people being sent constant letters, text messages and not answering your phone without looking at "whocallssme.com" in order to avoid the many (and we mean MANY) phone calls by Wescot. Or if you have received a letter about a debt you don't recognise or think you've paid off, or if you are struggling to repay Wescot debt, fill in our simple form and we’ll call you back to see if we can help.
You can also read our "11 steps to deal with debt collectors". This guide explains exactly what they can do and how to dispute a debt and how to handle their calls and letters.
Numbers Wescot call from:
Please note: debt collectors keep changing the numbers they dial out from, so this is may not be a complete and up to date list of numbers they use.
Wescot Credit Services Contact Details:
- Company Name: Wescot Credit Services Limited
- Other Names: Wescot, Wescot Credit Services
PO Box 137
- Phone: 01482 590500
- Website: www.wescot.co.uk
- Email: [email protected]
- 8:00 am - 9:00 pm
Monday - Friday:
Saturday: 8:00 am - 4:00 pm
Sunday: 9:00 am - 4:00 pm
Please note that we are not associated with Wescot Credit Services Limited in any way. The information on this page is provided to help people contact their creditors.
If you’re finding it difficult to make your monthly payments to Wescot you may need help looking at your budget and managing your debt. We deal with such companies all day, every day and we know exactly how to approach them. If you’re struggling to repay a debt and would like us to deal with Wescot debt collectors on your behalf, or simply need a bit of advice, just click on the GET HELP NOW button below.
Need Help With Wescot Credit Services?
If you want more help on dealing with Wescot, call our FREE Helpline on 0800 368 8231 (freephone, including all mobiles) or take the online debt test and find your best solution.