01482483281 – Who Called? Stop Wescot Debt Collectors

Did you receive a call from 01482483281? This is Wescot Debt Collectors.

We know that getting a call from a debt collector can be scary, but you’re not alone. Each month, over 170,000 people visit our website for help with debt queries, just like you. 

In this article, we will give you clear and easy-to-understand information about:

•  Who Wescot Debt Collectors are.
•  Why you have been contacted by 01482483281.
•  How to handle a call from Wescot Debt Collectors.
•  Ways to stop Wescot Debt Collectors from contacting you.

Research shows that 64% of people in the UK find dealing with debt collectors stressful¹. So we understand how you feel, and we’re here to help you.

Let’s figure out the best way to handle this situation!

Who called you from 01482483281?

It was Wescot Debt Collectors who called you from 01482483281.

They is a legitimate debt collection business working to recover account arrears in the UK – a very profitable endeavor, as research shows that in 2022, arrears on household bills increased by 68% from £1,739 to £2,920².

Wescot Debt Collection is one of the most established collections agencies, which is why we’ve already covered them here at MoneyNerd.

You can read our Wescot Debt Collection guide for help dealing with them and your debts.

Why has 01482483281 contacted you?

A call from 01482483281 probably means Wescot is chasing you for an unpaid debt, or they’re chasing someone who they believe owns your phone number. 

There is evidence from online forums that Wescot can be persistent, which is against rules set down by the FCA. See here:

Source: https://forums.moneysavingexpert.com/discussion/3849213/wescot-phoning-daily 

We’ll discuss how you can report Wescot for breaking communication rules in just a minute. 

Normally, persistent phone calling is used if a debt collection letter was sent and ignored.

Wescot Debt Collection must send a letter first if they do want to follow up with threats of legal action. They can’t just rely on phone calls. 

Can you ignore Wescot Debt Collectors’ calls?

You don’t have to answer the phone to Westcot Debt Collectors, especially if you’ve already responded to their debt letters. 

However, if you haven’t received any other form of communication from them, you might want to answer to clarify what’s going on.

This could also reduce your stress levels.

If you do answer the call, don’t provide the caller with your personal information. You’re not obligated to do so.

They should be able to tell you who they are and why they’re calling without getting you to confirm details.

Ignoring all communications is risky because you could end up subject to a court order called a CCJ, which could then escalate to the use of bailiffs. 

We always recommend responding to debt collectors – even just to question the debt’s validity. You have the right to request proof of the debt.

They have to prove it or they can’t charge you.

How do you stop Wescot Debt Collectors from contacting you?

It’s possible to limit Wescot Debt Collection from contacting you, and you can even stop them from calling altogether. 

The FCA says that debtors can provide debt collection companies with their communication preferences.

It’s best to do this in writing and keep a copy of the letter in case you need to complain later. 

For example, you could tell Wescot to only write to you and to stop calling. Wescot must then adhere to your preferences, along with any of the existing rules when communicating with debtors. 

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How do you complain about Wescot Debt Collectors?

If you provided Wescot Debt Collection with your communication preferences and they ignored them, you should lodge a complaint directly to Wescot. 

If Wescot fails to respond, fails to respond adequately or fails to keep to your communication preferences again, you can escalate the matter to the Financial Ombudsman Service (FOS). 

This service will review the series of events, preferably with proof supplied by you.

Providing call logs can be a good way to prove persistent calling. The FOS can then punish Wescot if they have acted wrongfully.

Know Your Rights

Even while recovering a legitimate debt, debt collectors must abide by certain rules and have limited rights when doing their job.

Knowing your rights and those of the debt collectors visiting/contacting you is key to ensuring that they don’t take advantage of you during the process.

Please check out our related article on the topic and take a quick look at the table below to learn more.

Wescot Credit Services Debt Collection Contact Details

References

1. InDebted, Debt Collectors Survey
2. StepChange, Scotland in the Red