Statute Barred

[Drexl Spivey]

I would like to say hello to everybody , I am pleased now to be amoungst all of you good people in the good fight against the rancid festering boil on the backside of humanity that are these DCA's.

Back in the mid to late 90's, I got in all kinds of trouble with spiralling debt . I ended up paying back to several loan and cc companies far more than I ever borrowed because of what would be called illegal charges today, but I got out of it ..almost anyway. In 2005 , all that bad credit history had fallen off my record. I got a barclaycard initial in 2005 with the high interest to rebuild my credit rating. Which went ok really, haden't missed a payment and so my points went up. My balance is about £80 on there atm, so im not hitting the limits like before. 2 years of good repayment on barclaycard and I decide to try for a proper bank account again . No problem they say, want a credit card too ? OK, sure I say . Now i can use the normal rate cc and ditch barclaycard initial to keep building points. So everything is beginning to go smoothly again..

Till last week . Some cowboy DCA company called robinson way sent me a letter and started calling ( and everyday so far since).. about some debt from 98 ish, for an amount that is much higher than it was at the time. Well, I stopped paying back that particular debt when I lost my job at the time mostly due to the stress of it all. Which was good really, being on the JSA and offering them pennies, they didn't come bothering me anymore. But now in 2007, that debt is as statute barred as a barred statute can be , but it isn't deterring these robinson way oinks one bit.

But still, in a way I don't mind it. In the day those DCA's used to terrorise me daily, phoning at work and at home day in day out. But now, it is a different game entirely. They have no power to do a thing .. which makes for a good opportunity to get some kind of revenge on them. Which I do everytime they call . When you are out of the debt cycle and you can think more clearly you can see these people for what they are. They are insignificants. They are just monkeys following tree instructions on a computer screen. The only part they play in it is to convey it over to whoever they are victimising with an overtone of menace . Take them to places that tree on their screen doesn't show and they fall apart and put the phone down.

And so , to send them the statute barred referencing letter now , or to have more fun .. get a few more incriminating letters from them that will end up at OFT , trading standards , DTI..and have a bit more fun with their monkeys on the phone ..

I think i'll go get some bananas.

[moneyhelp]

What an excellent post.

Thank you and welcome to CAG.

[ukaviator]

Hi Drexl

I would'nt even reply to them. The 6 years is well passed. Don't acknowledge anything after that amount of time.

Uk

[diskmandave]

Hi Drexl,

Welcome to the forums.

I've already seen you in my RW&C thread so you know more or less what a bunch of imbeciles they can be. As the previous post states, this would seem to be statute barred.

You may want to send them the harrassment by telephone letter which can be found here:
Harassment by telephone - response letter

You can also report them to Manchester Trading Standards;

City of Manchester
Trading Standards Office
1 Hammerstone Road
Gorton
Manchester
M18 8EQ

t: 0161 234 1555
f: 0161 957 8379
e: trading_standards@manches ter.gov.uk
w: Manchester City Council Trading Standards Service

Good luck & best wishes, Dave.

[Drexl Spivey]

From the RW& co post.

Originally Posted by Drexl Spivey

These people RW started phoning me last week, they phone everyday and the conversation never gets very far . I know they want me to acknowledge some debt from 8 years back which won't happen. I like to play with them on data protection because they have nothing on their files that has information only i know.


RW caller : Good afternoon, I am calling from Robinson way , can I confirm your name is Drexl Spivey ?

Drexl : I am he, Drexl Spivey

RW Caller : I am phoning in regard to your acc ...

Drexl : Cease

RW Caller : excuse me ?

Drexl : You are familiar with the data protection act 1998 are you not ? . Were you just about to contravene that act by what could be illegal disclosure by not going through the correct security checks to ascertain who it is exactly you are talking to ?

RW Caller : Er , could you tell me your postcode please .

Drexl : My postcode ! ( sounding incredulous ) , you can't ask for my postcode and think that fufils any kind of security criteria , anyone can know my post code, it is in the public domain, it is on the electoral register. How would you like it if the security code to enter your online banking was asking your postcode . You need to ask me something only I would know .

Drexl : you need to ask me the name of my first cat. That is the question i always use for any account. Ok, now ask away.

RW Caller : Hangs up

------


I am tired of that now thou, I had moved onto easier methods to be rid. Now I play this song called Jet Generation by Guitar Wolf at full blast down the phone. If you find this song online you will realise the horror of having this in your ear . Everyone should have this mp3 especially for the clowns at RW.

I do not think they would train them in the data protection aspect of the conversation, just get in there with any old check, if any . Rather , just confirm the name and get onto the threats . Thats why I like that part of the conversation, it isnt in their brief and antagonises them to be held up with it.

Drexl : you need to ask me the name of my first cat. That is the question i always use for any account. Ok, now ask away.


(in order of likelyhood)

(RW1) RW Caller : Hangs up : goto <END>
(RW2) RW Caller : What is the name of your first CAT ? goto <DS1>
(RW3) RW Caller : I do not have that particular security question in front of me mr spivey <DS2>

(DS1) Drexl : Trixie
RW Caller : Thank you , now regarding your acc...
Drexl : Cease
Drexl : Are you now taking as pertinant a security question posed by somebody who you have not yet established the identity of.. as a valid method in identification of the person whose identity is still yet the subject in question ? Are you then compounding that by allowing them to supply an answer to their own question , an answer you do not even know is correct to a question that could even be spurious and even not originating from said subject of the identity check ?
RW Caller : Hangs up : Goto <END>


(DS2) Drexl : oh ?, what security question do you have for me then ?
RW Caller < asks valid question > {theoretical} : Goto <DS3>
RW Caller : I do not seem to have a valid security question on my system mr Spivy : Goto <DS4>


(DS3) Drexl : <supply incorrect answer> : GOTO <END>
(DS4) Drexl : You don't have a valid security question ?? What kind of operation is this ? If you don't even have basic information like that, how do you expect anybody to take anything else you say is on your computer seriously ?? . Identify yourself you charlatan, are you in the business of identity theft?? I will write a stern leter of complaint to the information commisioner's office regarding your practices . What is your full name and position ??
(RW Caller ) Hangs up . : Goto <END>


That kind of thing .




I do love the data protection thing with them, because if your awkward enough they cannot get around it without the proper information on their system . These monkeys dont have that kind of security information originally held with the cc/loan company , and they get so frustrated because they cannot get to the part they really want to get to, that is to get you to admit to a debt and then go to threat mode . They want to get onto the tree on their computer screen, not mess around with yours. Fortunately, the data protection runaround precedes any of what they'd like to say .

But even if I did let them past this part of the conversation, it would only be to deny all knowledge of any such debt. So they are struggling really just to reach an eventual wall of blank denial. It is easier to just to do the death metal in the phone mic, but if in the mood to give them the run around it is quite fun, and while they are doing data protection loops with me, they are leaving somebody else alone .

The best thing about it thou, is that you dont even have to know anything, like me, about the data protection act . All it is really is them not having a key to a lock , well it is worse than that even.. they have no idea of what either the key or the lock looks like . When they fall foul, you just dress it up as contravention of the data protection act and berate them . No matter what happens, as soon as i hear the word 'account' or 'debt' starting up, I say Cease ! and back to the loop.

[Drexl Spivey]

I will phone them people at TS manchester, thanks for the number DMD . ) Just to hear what they have to say about RW, if anything, and to get names in their organisation if any that are working on RW specifically to address correspondence to. No formal complaint just yet .

They are like those little robot things you could make walk along your kitchen floor. Set in the right direction they just continue on because it is the only way they know. And so I see more letters coming my way . threatening court action which they are not permitted to make against me . I do not mind really if they continue their actions on me with the phoning..if i want to torment them and waste their target driven time i will answer , if not they get guitar wolf . )

I wrote earlier :

The best thing about it thou, is that you dont even have to know anything, like me, about the data protection act .

I meant here I do not know anything about that act. When i re read what i wrote it sounded like you dont have to know about this , like i do <know> . I am grasshopper of no knowledge about much at all really (

[pinkduchess]

what an entertaining read at this time of the morning!

good luck drexl - sounds like you can hold your own

[Drexl Spivey]

It would be nice someday if the CAG forum had a subsection where DCA callers could go to cry about how people they call torment them, so we could have a laugh .

[moneyhelp]

Yes, then we can all go read your excellent posts

[Drexl Spivey]

Just phoned up london scottish for their complaints procedure. Might as well get this part underway, as soon as im not happy with their final response the sooner I can get onto the financial ombudsman to hit them for £400.

[Drexl Spivey]

Can you imagine defaulting on a agreement with picture loans ? They would only need to put that woman on the adverts on the collections team to get my money. Imagine her phoning up everyday .. ' I'll be round on the scootah to collect if yer dont pay!' . No, i'd be handing over the cash straight away .

[MARTIN3030]

Have moved the thread here.

[Drexl Spivey]

And the reason I don't want to pay , is not only is this figure robinson way quotes way over the original sum from the debt in the 90's, but its loaded with overcharges and punative penalties even before robinson way got their hands on it. And as is over 6 years old, I can't claim that back. But even the other debts on other accounts back then I did pay back, they would be illegal charges today . So the way I figure it, its the law of swings and roundabouts. They ( cc & loan companies ) got more of out me than would be legal today, so im claiming it back by not paying robinson way .

So morally it equates out , as does it legally as I don't have to pay them one single penny . The same amount I can claim back from them in their thieving days . nada.