Credit Today is reporting the "shock news" that Najib Nathoo is stepping down as Chief Executive of 1st Credit with immediate effect. Shame. http://www.credittoday.co.uk/news/news-item.cfm?news=2152

Just when we thought the industry couldn't get any worse http://www.ccrmagazine.com/index.php?option=com_content&task=view&id=4020&Itemid=33

Unbelievable! Blatant (and pathetic) forgery of the assignment letter - Robinson Way Limited wasn't incorporated until July 2009 - the letter is dated 5th July 2007!! Are they mad? SS

I think you should ask the court for a copy of their application and AQ first to get an idea of RW's position. As has been said before, it's up to you whether you amend your defence in the light of the documents they have provided or just go with the one you have already submitted. It seems that you've got the standard old-style Cap One application that they say is the agreement but doesn't have any prescribed terms and there is a lot of doubt about the legality of the assignment and of course, no default notice. What RW are doing makes a nonsense of court procedure - they have had their claim struck out back in July due to non-compliance and now they think it is OK just to ask for it to be reinstated (and have it granted). You don't have such luxury - if you didn't submit the AOS or AQ on time they would have had obtained judgement by default. Trust you will bring this to the Judge's attention at the appropriate time. Hope this helps SS

Hello again Linz. This is typical RW - what grounds have they given for the reinstatement?

They have bought from HSBC before so it could be them

I was just about to start a thread about Capital One in 1998 and found this. Can anyone tell me what trading name Capital One was using in 1998/9. They sent me an application form signed in early 1999 which they have sent with prescribed terms and NINE pages of T&C's issued by Capital One Bank (Europe) plc. Checking with Companies House it shows that Capital One Bank (Europe) plc wasn't incorporated until November 1999. I have a feeling that it was Capital One Bank plc but perhaps someone with some paperwork from then could have a look. Thanks SS

RoyalIrish - you are the lucky recipient of Lowell's 6th post on CAG - surely an offer you can't refuse.

Nice work - it is true that RW are behaving as if nothing has happened and other threads show that they continue to try and enforce debts that were assigned to the old, liquidated company. To make matters worse, their tame solicitors (in the same building) and who should know better are doing the same. They think we're stupid and there must be many, many people who are unaware what's happened and have taken everything they have been told by RW and Horwich Farrelly as true. I wonder how many default judgements they have obtained on debts that were not properly assigned to the new company - we know better though. We should complain to everybody, OFT, SRA and Trading Standards. SS

Wise words

Ah! memories of MBNA's Indian call centre with their made-up English names - happy days.

If that's the case should Jossy have been served with a notice of assignment before they attempt to collect as presumably they can only be acting on behalf of the new RW?

Jossy, when you phone the court, find out who the claimant was (see my post at #4). Will be interesting to see if HF are trying to collect debts due to the liquidated RW & Co Limited.

This may be tricky for you Jossy. If the CCJ was in 2008, the claimant would have been Robinson, Way & Co Limited who entered creditors voluntary liquidation last year following the receivership of their parent London Scottish Bank. The current company, Robinson Way Limited, is a different entity to the previous one with a new company number, registered office and CCL - although under the same management.

Ignore the +3927. The number is 08448 119111. Ask me another, Dotty.