RBS and Wescot Credit Services !!!!!!!!

[sblack]

Hi,
Has anyone had any dealings with Wescot credit services?(Collection Agency)
They have rang several times when we have been out leaving no details. When we rang them back (1471) they claim to have no knowledge of us. Today they rang wanting me, my husband answered as I was at work, the man phoning claimed to be from my credit card company !!!. What a cheek, my husband challenged him and he would not divulge any information. He is clearly not from my credit card company, that was a blatant lie.[:(!] He was from Wescot.
Is this not illegal to approach people in this underhand manner?
A lady from Wescot later stated they do collection work for RBS.
This is the 2nd collection agency that have contacted us this week on behalf of RBS. The other was Triton Credit Services.
Our successful creditors meeting was nearly 2 months ago, I have rang and written to RBS who state they are aware of the IVA.
Why are RBS still chasing the debt through collection agencies?
What will it take for RBS to stop chasing us?

PS
Melanie we will contact your office for advice as something really does need to be done about this.

[TheMatrix]

A friend of mine was called out of the blue, from the fraud department of a well known credit card company. Or so he thought.....

They confirmed all the details on the card, his name and address and everything. They then went on to ask if he had authorised a transaction in the last 10 minutes for £x,xxx in a town outside where he was.

When he said NO, They then said they needed to check that he was in possession of the the card as it had been compromised and could he please read off the last 3 digits on the back of the card.

He was then told they would cancel and reissue the card to him and not to use it.

guess what....

It was a phishing call, and the fraudsters maxed out the card. All they were after were the 3 digits on the back of the card, but because it was like they were giving him all the details it went under his radar.

I guess the moral of the story is... If in doubt, hang up and call the number on the back of your card.

[kallis3]

You should never give out any bank or card details to people who are supposedly from a bank. A genuine one will never ask for those details.

I get a lot of phishing emails at my one email address, some for banks that I have no accounts with and never have had. Most banks have an email address for you to forward these to so they can try and disable them, and that is what I do.

[sblack]

It's not so much the about giving card details out, they didn't request any of that info. It is more about this company blatantly lying as to their company identity just so they can get the required person on the phone.

[TheMatrix]

I think the scary bit is they had all the other information, just not the 3 digits on the back of the card, and they built up credibility by supplying it all to him and casually asking for the 3 digits to prove he was in possession of the card.

I can see how an inexperienced person may fall foul of it, and agree you should not supply anything to anyone calling you claiming to be xxx because there is no guarantee they are who they say they are.

Far better to ring them back with a number you know is genuine and not a number they may give you for this purpose if you tell them that you will call them back.

Any genuine caller would understand your caution in that regard.

Re continuing of calls from credit companies post IVA, I would ask your IP to contact them and insist the calls stop, as per the terms of the IVA to stop creditor hassle.