Erik Ribsskog
<eribsskog@gmail.com>
Your letter from 7/9/Fwd: Wescot Response 49597867 RE: Correspondence Reply
Erik Ribsskog
<eribsskog@gmail.com>
Wed, Sep 18, 2013 at 11:50 AM
To:
offers <offers@wescot.co.uk>
Hi,
Which part of the Data Protection Act are you refering to?
my date of birth is 25/7/70.
Which part of the Data Protection Act are you refering to?
It this something new you've started with?
You normally just ask for the reference-number, (which I've provided), I think.
You normally just ask for the reference-number, (which I've provided), I think.
Regards,
Erik Ribsskog
On Wed, Sep 18, 2013 at 11:06 AM, offers <offers@wescot.co.uk> wrote:
Dear Mr Ribsskog
Wescot Reference: DM/472365139
Further to your recent email.
We acknowledge your comments and would like to confirm that Wescot always attempt to respond as quickly as possible.
In order to proceed with your enquiry, please confirm your date of birth for security purposes and to prevent a breach of the Data Protection Act.
Please accept our apologies for any inconvenience you may have been caused whilst contacting us.
Yours sincerely
Sarah Stark
Account Controller
From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 13 September 2013 22:25
To: Contact Us
Subject: Your letter from 7/9/Fwd: Wescot Response 49597867 RE: Correspondence Reply
Hi
I'm refering to your letter from 7/9, (with Wescot reference 472365139), which I received today and which I attach a scanned copy of.
I've earlier informed you that I'm unemployed and only can afford to pay you token-payments until I find new employment.
In the mean-time I can unfortunately only repeat my offer of one pound monthly token-payments.
(Like I have agreed with you earlier).
But I'm going to pay you more, and contact you about this, as soon as possible, when I get a new job.
Hope this is alright!
Yours sincerely,
Erik Ribsskog
---------- Forwarded message ----------
From: Contact Us <contactus@wescot.co.uk>Date: Fri, Nov 2, 2012 at 8:27 AM
Subject: Wescot Response 49597867 RE: Correspondence Reply
To: Erik Ribsskog <eribsskog@gmail.com>
02 November 2012
Dear Mr Ribsskog
Further to your recent email, I am sorry to note there appears to be some confusion over the account. To resolve this and offer a detailed explanation I have referred the points you have raised to our client
and we are currently awaiting an update from them.
I trust the above answers your query and I apologise you had to contact us again to confirm the details.
Yours sincerely
Funmi Olugbenga-Dada
Account Controller
email:
contactus@wescot.co.uk
From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: Tuesday, October 30, 2012 3:29 PM
To: Contact Us
Cc: Q&A
Subject: Re: Wescot ResponseRE: Correspondence Reply
Hi,
I have explained that in the e-mail where you have highlighted a sentence in red.
That your partner Capital One told me last year my signature wasn't mine.
And that you this year have lied about me not replying to your correspondence.
And that you have made me waste my time since your partner Capital One and yourselves haven't been able to accept my token-payment-offer like other companies like Swalec, DML and United Utilities have accepted,
almost a year ago.
This is sabotage, I think.
I suspect you and Capital One have a secret agenda here.
And you really should contact your English-teacher about this.
And it's a saying you have here in the UK, which says it's no excuse for ignorance.
So eighter you're ignorant or slow.
So I think you should perhaps find another job.
On Tue, Oct 30, 2012 at 3:18 PM, Contact Us <contactus@wescot.co.uk> wrote:
Date 30th October 2012
Dear Mr Ribsskog
Further to your recent email regarding your email below. I acknowledge your comments and would like to confirm that Wescot always attempt to respond with an explanation
or resolution as quickly as possible.
Please advise as to why this account would be deleted, we have no details in regards to a query for this account. If you believe this balance is not due we would require
the full details of dispute on this account. Which would allow us to investigate your query with our client.
Please accept my apologies for any inconvenience you may have been caused whilst contacting us.
Yours sincerely
Ms H Thundercliffe
Accounts Controller
Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 30 October 2012 14:54
To: Contact Us
Subject: Re: Correspondence Reply
Hi,
this about that my debt has been deleted is something I'm still looking forward to hearing from you about.
Perhaps you should ask your old English-teacher for advice as to what my writings meant.
Best regards,
On Tue, Oct 30, 2012 at 1:55 PM, Contact Us <contactus@wescot.co.uk> wrote:
Date 30th October 2012
Dear Mr Ribsskog
Further to your recent email regarding the below account. I acknowledge your comments and would like to confirm that Wescot always attempt to respond with an explanation
or resolution as quickly as possible.
In your email below you have you look forward to hearing that this debt has been deleted. Please could you advise further on this, as we haveno details in regards to
the balance being deleted.
Please accept my apologies for any inconvenience you may have been caused whilst contacting us.
Yours sincereley
Ms H Thundercliffe
Accounts Controller
Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
From: Erik Ribsskog
[mailto:eribsskog@gmail.com]Sent: 19 October 2012 10:40
Cc: offers
Subject: Re: Correspondence Reply
Hi,
ok, I don't think I have gotten their sort-code and account-number.
Do you know this?
I also sent you an update, on Saturday, after the e-mail you replied to now.
I'll paste that in this e-mail now.
PS.
Here's the update e-mail from Saturday:
Hi,
I got a new income and expenditure-form in the post from you today.
From 11/10, with the reference D3/49597867.
I contacted your partned Capital One last automn, regarding my new budget.
Capital One told me my signature wasn't mine, so this process have stalled, since last year.
So at the moment, I have to say I don't have any income.
I've since last year gotten a flat witch was unfurnitured.
So any money I have left after token-payments each month I now buy furniture and other things for the flat with.
And I was going to set up a new budget, when I got a full-time job.
Hope this is alright!
Best regards,
On Fri, Oct 19, 2012 at 10:24 AM, Correspondence Queries <client@cccs.co.uk> wrote:
Good morning Erik,
Thank you for contacting us about Wescot.
To make token payments to Wescot you do not need to fill in a giro slip. All you need is their sort code and account number and also the Wescot reference
number starting with DM or D3. You then need to go into your bank and ask them to send £1 payment to Wescot by bank transfer. They may reject the offer of payment but they won’t reject the £1 payment you send and this will reduce the debt in time.
If you need any advice then please do not hesitate to call us.
Kind regards
Faye
Correspondence Advisor
From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 12 October 2012 16:13
To: Correspondence Queries
Cc: offers
Subject: Re: Update/Fwd: *****7867/Fwd: CCCS
Hi,
thank you for your e-mail!
I'm not paying token-payments at the moment.
It should be enought that I've explained about my situation.
I've offered Wescot a token-payment-arrangement like a 'million' times.
Because I've been offering Wescot, (and Capital One), a token-payment-arrangement since last year now.
So I hope this will be sorted now.
Best regards,
On Thu, Oct 11, 2012 at 8:07 AM, Correspondence Queries <client@cccs.co.uk> wrote:
Hello Eric
Thank you for copying us in to the email you have sent to Wescot.
Please try not to worry about the contact you have received as this is a standard procedure for creditors to take. Nelson Guest & Partners
are an internal collections department who work on behalf of Wescot to collect the outstanding balance.
As you have contacted this creditor to advise of your current financial situation and are making token payments, you are doing all you
can at this time. If you receive any further contact regarding this matter, please advise of this.
I hope this is helpful and reassuring.
If you have any queries or concerns, please do not hesitate to contact us on 0845 272 5400. Lines are open 8am to 6pm, Monday
to Friday. Email us at client.services@cccs.co.uk
or go online to www.cccs.co.uk
and follow the links to send us a web mail.
Kind regards
Hannah
Correspondence Advisor
From: Erik Ribsskog
[mailto:eribsskog@gmail.com]Sent: 08 October 2012 01:14
To: offers@wescot.co.uk
Cc: Q&A
Subject: Update/Fwd: *****7867/Fwd: CCCS
Hi,
on Saturday I got a letter from Nelson Guest & Partners Solicitiors, witch I attach a scanned copy of.
(Which I've done many times earlier).
I hope you can 'stop messing around' now, (like I think I have to call it), and just accept my token-payment-offer, like the other companies have done.
I don't understand why you do so much 'mumbo-jumbo' surrounding this.
I hope the CCCS can tell you to stop with your funny letters and just accept my token-payment-agreement, which I have offered you, a million times, (to exaggerate, but anyway).
---------- Forwarded message ----------
Date: Mon, Oct 1, 2012 at 3:32 PM
Subject: Re: *****7867/Fwd: CCCS
To: offers <offers@wescot.co.uk>
Cc: Q&A <contactus@cccs.co.uk>
Hi,
it should be D3/49597867, (like I wrote in the subject-line in the e-mail I sent you on 20/9).
I repeat my token-payment offer on £1 a month, like I offer all my other creditors untill I find new employment.
Hope this is alright!
Best regards,
On Mon, Oct 1, 2012 at 8:30 AM, offers <offers@wescot.co.uk> wrote:
Good morning,
Please provide the wescot reference beginning with D3 or DM
Kind regards
Rebecca Stearman
Offers Administrator
email:
offers@wescot.co.uk
From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 28 September 2012 14:34
To: Correspondence Queries
Cc: offers
Subject: Re: *****7867/Fwd: CCCS
Hi,
thank you for your e-mail!
Yes, I send a copy of this e-mail to Wescot as a reminder of my token-payment-offer, of one pound a month untill I find new employement.
Thank you very much for the help with this!
The information I sent to Capital One was a new token payment-offer after I had to move to Sunderland for some months last year.
Thanks again for the advice!
Best regards,
On Fri, Sep 28, 2012 at 12:37 PM, Correspondence Queries <client@cccs.co.uk> wrote:
Hi Erick
Thank you for your email about your Wescot and Capital One accounts.
If you have concerns over the wording of the letter from Wescot, I would advise you to raise a complaint directly with them.
The complaint procedure can take up to 8 weeks and if you are unhappy with any response they give you, you can raise this further with the financial ombudsman service.
You don’t need to fill out the budget form that Wescot have sent you. You have advised them that you have already completed a budget with us. Both forms cover the
same areas. If you need a copy of the budget that you completed with us, please let me know as I can send this out to you. The budget can also be sent to Capital One.
I wouldn’t advise you to stop making payments towards the Wescot account. It is in your best interest and benefit that you carry on making a token payment. It will
show that you are willing to pay the account off.
If you don’t make a payment, the creditor can take further action.
I understand you would like to keep the contact in writing but it is also best that you call them to discuss your concerns. This will eliminate any responses about
them not receiving your letters.
You can ask for a Data Access Request from them which will provide you with all the notes made on your account. There may be a charge for this request.
Can you advise me what information you sent to Capital One for them to reject your signature? If your signature hasn’t changed, I would advise you to contact Capital
One and ask for a further explanation, i.e. are they comparing your signature to the signature on the original credit agreement?
Again, you can ask for a Data Access Request to see what has been noted on your account and there may be a charge for this request.
I hope this has been helpful.
If you have any further queries, please contact us on 0845 272 5400, lines are open 8am to 6pm, Monday to Friday, you can email us at
client.service@cccs.co.uk.
Kind regards
Paul Marshall
Correspondence Co-ordinator
From: Erik
[mailto:eribsskog@gmail.com]Sent: 26 September 2012 00:05
To: Correspondence Queries
Subject: Re: *****7867/Fwd: CCCS
Hi,
I've gone to business-school and letters shouldn't contain lies even if they are standard letters.
I'm not making a token-payment here, you haven't read up.
Erik Ribsskog
PS.
On Tue, Sep 25, 2012 at 10:33 AM, Correspondence Queries <client@cccs.co.uk> wrote:
Hi Erik
Thank you for contacting us about your account with Wescot.
Creditors will often send standard collection letters out to you. Standard letters will include certain phrases that may not fit entirely, such as "we have not received a reply".
Unfortunately even though you are making a token payment we cannot stop creditors from contacting you. You should continue to keep your creditors up to date with your financial situation and offer them the most fair and reasonable offer you can.
It may be best to call your creditors and speak to someone directly. That way all issues can be discussed there and then.
If you have any further questions or need some more advise, you can call us on 0845 272 5400. Lines are open from 8am to 6pm, Monday to Friday. You can also email us at
client.service@cccs.co.uk.
Kind regards
Gurj
Correspondence Advisor
We are altering the way in which we handle your correspondence to ensure we safeguard your personal information at all times.
In order for us to do this we will be making some changes to the way in which we validate your identity.
The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:
· Client reference number
· Postal address
· Postcode
· Telephone number
· Email address
Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you for these details and this may delay your reply.
Thank you
The Correspondence Team
We are altering the way in which we handle your correspondence to ensure we safeguard your personal information at all times.
In order for us to do this we will be making some changes to the way in which we validate your identity.
The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:
·
Client reference number
·
Postal address
·
Postcode
·
Telephone number
·
Email address
Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you for these
details and this may delay your reply.
Thank you
The Correspondence Team
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P
Please consider the environment before printing this e-mail.
We are altering the way in which we handle your correspondence to ensure we safeguard your personal information at all times.
In order for us to do this we will be making some changes to the way in which we validate your identity.
The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:
·
Client reference number
·
Postal address
·
Postcode
·
Telephone number
·
Email address
Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you for these
details and this may delay your reply.
Thank you
The Correspondence Team
We are altering the way in which we handle your correspondence to ensure we safeguard your personal information at all times.
In order for us to do this we will be making some changes to the way in which we validate your identity.
The next time you contact us, we will require you to provide us with at least 2 pieces of information from the list below:
·
Client reference number
·
Postal address
·
Postcode
·
Telephone number
·
Email address
Please make sure you provide this information along with your full name on every communication you send to us. If not, we will prompt you for these
details and this may delay your reply.
Thank you
The Correspondence Team
-----Original Message-----
From: Erik ******* [mailto:eribsskog@gmail.com]
Sent: 20 September 2012 14:41
To: offers
Cc: Q&A
Subject: Your ref: ******7867/Fwd: CCCS
Hi,
I'm refering to your Final Notice-letter from 17/9, which I recieved today.
You there write: 'but we have not received a replyto our previous correspondence'.
But this isn't right, I've earlier written to you e-mails a lot of times offering a token-payment.
Is this the Candid Camera?
Your partner Capital One also did a practical joke like this, when they told me my signature wasn't mine last year.
Please stop with the monkey-business, and be serious.
I hope the CCCS can stop your funny bailiff-actions and lies.
Erik ****
---------- Forwarded message ----------
From: Q&A <contactus@cccs.co.uk>
Date: Mon, 20 Aug 2012 17:37:39 +0100
Subject: CCCS
To: Erik******** <eribsskog@gmail.com>
Good afternoon
Thank you for your email.
There isn't anything in the Consumer credit Act that states you must supply these details to a creditor. You can always provide them a copy of the budget and list of creditors that you have done through us.
Regardless of whether they accept the offer or not please continue to make the token payment.
Kind regards
Jonathan
Follow us on Twitter
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______________________________
From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 19 August 2012 20:59
To: Q&A
Cc: offers@wescot.co.uk
Subject: Problems with Wescot/Fwd: Update/Fwd: Wescot reference:
*******867 (Regarding Capital One-debt).
Hi,
I've told Wescot I'm unemployed and have offered them a £1 monthly token-payment untill I find new employment.
(Like I've offered my other creditors).
Wescot don't accept but wants me to fill out an income and expenditure-form.
I can't remember that you at CCCS have mentioned that I have to fill out a form like that, when I do budget-work.
It's like they go a bit to close, and this seems unecessary, to me.
What do you think at CCCS about this?
Does the law say that I have to fill out a form like that?
I attach the letter from Wescot.
Yours sincerely,
Erik *******
---------- Forwarded message ----------
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Fri, Aug 10, 2012 at 10:35 PM
Subject: Update/Fwd: Wescot reference: *******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk
Hi,
I got an income and expenditure-form, in the post, from you, earlier this week.
I don't understand the point in me filling out that form.
I've already told you that I'm on budget in co-operation, with the CCCS, and that I only can afford to pay a token-payment, (on £1), untill I find new employment.
So this is my offer.
I don't understand why you send me this form.
I think is unnessesary paper-work then.
None of my other creditors have sent me a form like that.
They have just accepted my token-payment-offer.
So I hope you can set up a direct debit-agreement, for £1 a month, for this debt.
Hope this is alright!
Best regards,
Erik *********
---------- Forwarded message ----------
From: Erik Ribsskog <eribsskog@gmail.com>
Date: Sat, Jul 21, 2012 at 10:31 AM
Subject: Wescot reference: ******867 (Regarding Capital One-debt).
To: offers@wescot.co.uk
Hi,
I'm refering to your letter from 19/7, which I got in the post today.
I'm currently unemployed, and on a budget in co-operation, with CCCS.
My offer to you is the same as to my other creditors, and that is that I pay a one pound token-payment, each month, until I find new employment.
Hope this is alright!
Yours sincerely,
Erik ********
VISIT OUR WEBSITE AT http://www.cccs.co.uk/
------------------------------
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not the intended recipient, you are hereby notified that any use or dissemination
of this communication is strictly prohibited. If you have received this information
in error, please return it to us immediately and delete it from your computer.
The contents or opinions expressed within this email are not intended to
represent the views of CCCS unless specifically stated to be so.
This email is not guaranteed to be free from any computer viruses, although
it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.
Foundation for Credit Counselling, trading as Consumer Credit Counselling Service ("CCCS").
Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
Company No 2757055. Registered Charity No. 1016630"
Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference
Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message
to the intended recipient) please notify us immediately (on 01482 590590 (UK) or
+44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.
As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please notethat Wescot Credit Services Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and
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VISIT OUR WEBSITE AT
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------------------------------
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination
of this communication is strictly prohibited. If you have received this information
in error, please return it to us immediately and delete it from your computer.
The contents or opinions expressed within this email are not intended to
represent the views of CCCS unless specifically stated to be so.
This email is not guaranteed to be free from any computer viruses, although
it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.
Foundation for Credit Counselling, trading as Consumer Credit Counselling Service ("CCCS").
Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
Company No 2757055. Registered Charity No. 1016630"
VISIT OUR WEBSITE AT
http://www.cccs.co.uk
------------------------------
and may contain information that is privileged and confidential. If you are
not the intended recipient, you are hereby notified that any use or dissemination
of this communication is strictly prohibited. If you have received this information
in error, please return it to us immediately and delete it from your computer.
The contents or opinions expressed within this email are not intended to
represent the views of CCCS unless specifically stated to be so.
This email is not guaranteed to be free from any computer viruses, although
it has been checked using the Trend Virus Suite. You should check this email
and any attachments for the presence of viruses before downloading any files.
Foundation for Credit Counselling, trading as Consumer Credit Counselling Service ("CCCS").
Registered Office: Wade House, Merrion Centre, Leeds, LS2 8NG. Registered in England
Company No 2757055. Registered Charity No. 1016630"
Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference
Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended
recipient) please notify us immediately (on 01482 590590 (UK) or
+44 1482 590590
(international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.
As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services
Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services
Ltd.
Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference
Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended
recipient) please notify us immediately (on 01482 590590 (UK) or
+44 1482 590590
(international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.
As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services
Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services
Ltd.
Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference
Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to
the intended recipient) please notify us immediately (on 01482 590590 (UK) or
+44 1482 590590
(international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.
As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note thatWescot Credit Services Ltd does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views
of Wescot Credit Services Ltd.
Registered in Scotland No. SC84131, Registered Office: Kyleshill House, 1 Glencairn Street, Saltcoats, Ayrshire KA21 5JT
Please consider the environment before printing this email. Wescot, helping to make a difference
Confidentiality Notice. The information in this e-mail is confidential and for use by the addressee(s) only. If you are not the intended recipient (or responsible for delivery of the message to the intended recipient)
please notify us immediately (on 01482 590590 (UK) or +44 1482 590590 (international)) and delete this message from your computer: you may not copy or forward it, or use or disclose its contents to any other person.
As Internet communications are capable of data corruption, Wescot Credit Services Ltd does not accept any responsibility for changes made to this message after it was sent. Please note that Wescot Credit Services Ltd
does not accept any liability or responsibility for viruses and it is your responsibility to scan attachments (if any). Opinions and views expressed in this e-mail are those of the sender and may not reflect the opinions and views of Wescot Credit Services
Ltd.