Common questions and answers

Why have I been contacted?

We have contacted you to recover an outstanding debt, or we have been commissioned to locate you to enable our client to re-establish contact with you.

If you think we have contacted you in error please call us.

Our aim is to enable you to fulfil your agreement as swiftly as possible by repaying your outstanding debt, either immediately in full or by making an arrangement with us to repay your debt in manageable instalments.

It is in all of our interests to resolve this situation as soon as possible, so we offer a fast online payment service to enable you to do that. We do appreciate, however, that full payment may not always be possible in which case we urge individuals who have received correspondence from us to call us immediately to resolve this situation by coming to an acceptable, manageable payment plan.

We are here to help you resolve your debt problems, but we cannot do so unless you contact us. Ignoring our correspondence may eventually lead to further action.

Talk to us and we will work with you to resolve this situation.

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When and how can I contact you?

We are open weekdays from 8am to 9pm; Saturdays from 8am to 4pm; and Sundays from 9am to 4pm. Call us on 0844 824 1155.

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How do I pay?

To pay in full online click here or call us on 0844 824 1155.

For other payment options click here

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I want to pay but can’t afford to pay in full. What do I do?

Please telephone a member of our team on 0844 824 1155 who will review your account details to agree a suitable repayment plan based on your circumstances and current financial commitments.

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How do I know if my online payment has been successful?

Once your payment has been processed, a message will appear on screen to confirm the payment has been successful. If successful, you will be provided with an authorisation code. You can contact a member of our payments team on 0844 824 1155 should you require any further assistance.

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I have asked a money advisor to deal with my debts so what do I do about your correspondence?

You should pass a copy of our correspondence to your advisor who can then contact us to discuss a repayment plan.

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I don’t owe this debt, what should I do?

If you believe that you do not owe the outstanding balance, please contact us on 0844 824 1155 to enable us to investigate.

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What happens if I ignore your letters?

Ignoring our letters could lead to further action to recover the outstanding amount. It is important you make contact with us so we can work with you and help you find a solution to bring your account up to date. If you do not owe the money, you need to tell us as soon as possible.

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The person named on the letter does not live at this address, what do I need to do?

Please telephone us on 0844 824 1155 to let us know.

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How is Wescot regulated?

Wescot is regulated by the Office of Fair Trading (OFT) and is a member of the Credit Services Association (CSA), which is the industry’s trade body.

We comply with the OFT’s Debt Collection Guidance and the CSA’s Code of Practice, and ensure that customers are treated fairly. We are accredited to the BSi ISO 9001:2008 quality standard and are a keen supporter of the free Money Advice Agency network.

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When I telephone your office, I am asked for details such as my full name and address before you will discuss the account with me. Why do I have to give you this information?

Under the Data Protection Act 1998, we have an obligation to protect personal data. We have to make sure we are speaking to the correct person before we can discuss an account.

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Do you record telephone calls?

Yes, all telephone calls are recorded.

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If I am not happy with the service I have received from you, what can I do?

We pride ourselves on a professional approach. It is important to tell us if we have fallen below the standards expected of us. Please write to:

Customer Relations Department
Wescot Credit Services Limited
PO Box 137
Hull
HU2 8HF