Wescot Credit Services are a recognised debt collection agency based in Hull, operating across the UK. They are a debt collection agency who work on behalf of companies and banks, including utility and telecommunication service providers. If you have existing debts such as a mobile or utility bill, you may be contacted by Westcot Credit Services.
If you have been contacted by Westcot Credit Services, this may be because they have been employed to chase your debt from the provider you owe money towards. The company will make a payment towards them for taking over the debt collection process. From this point onwards Westcot Credit Services will be solely responsible for chasing payment.
As a debt collection provider, Westcott Credit Services can be more persistent in their methods when it comes to collecting payment. As they specialise in this service, they have more time and resources to use when it comes to contacting you to request payment. This could mean you could expect to receive multiple phone calls or letters from them.
It is important to be mindful that debt collection services are regulated by the Financial Conduct Authority (FCA) and must abide to certain regulations in place regarding how their interactions with you and what they are legally able to do. If you avoid their attempts at contacting you, then they can enforce measures such as interest charges and extra fees on top of your current debt.
According to Scottish law, you can receive an Earnings Arrestment against you if you fail to repay debts. This would mean the courts would subtract debt payments from your monthly income until it is resolved. If you have the chance to prevent this occurring, you should act before any further measures are introduced.
At Scotland Debt Solutions, our team understand the difficulty of situation which you may be going through and can offer expert services to contact Wescot Credit Services and manage liaison on your behalf.
Westcot Credit Services will continue to contact you to recover the debts owed to their customers. They will arrange any forms of repayment and manage the process on behalf of organisations who have contacted their services. Payments should be made to Wescot Credit Services instead of the original provider.
It is recommended that you request a proof of debt from Westcot Credit Services before completing any payment. This can be made through sending a proof of debt request letter for which there are many templates available online. As a debt retrieval company, Westcot are obliged to validate the payment they are requesting.
If they can provide evidence that the debt is valid, it is advised that you make a payment to avoid any additional interest fees or further measures. This will also end any further phone calls and letters from Westcot.
If you are unable to make full payment of your debt, they offer different repayment options. You can contact them to understand your options, such as forming a repayment plan in separate instalments. If you do arrange a payment plan, be aware of outgoing costs you may have in the future such as council tax, rent payments or similar financial obligations. It is recommended that you use a budget to keep on track of your finances and ensure you don’t fall behind on other costs.
If you are being chased by Westcot Credit Services, or other debt collection companies, we can offer support from our trusted team of advisors at Scotland Debt Solutions.
Your advisor from Scotland Debt Solutions will help you to understand which options you may have. Some possible solutions include a Trust Deed, a Debt Arrangement Scheme (DAS), or Sequestration under Scottish law.
Your advisor will be at hand to guide you through the entire process, managing contact with the debt collection company on your behalf. From this point you will no longer have the burden of answering them alone.
Speak to one of our experienced advisors today on 0141 326 0417 and bring an end to the pressure from Westcot Credit Services.
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