Ha! I Know! Thanks Saff, Horwich, I think its something to do with loose woman who make potions.... or something like that...

Then RW&Co sent this: I'll admit I was a bit shocked when I first read it. What's this with the "YOU CREDIT RECORD"? are they calling me names? I of course called the court and they had denied RW&Co judgment request.... so I think they were jumping the gun a little.

Courts acknowledgment here:

Ok, here we go, I've applied my defense as listed here:

Good Luck Electric, Laiste offered me advise by tracking your progress. She is very knowledgeable indeed and gives allot of time and effort too the cause.

Thanks Saffron, Would I be able to post online the response to RW&Co that they have not produced the necessary documents such as the CCA and therefore this should not go to court? Thanks, RG

Apparently the Royal Mail are on strike action Friday so need to get this out today... just my luck.

They replied with some 50 pages of screen dumps:

Their reply:

Well Thank You Brassy!

Not sure if I'm doing this (POC) thing right. I've uploaded the jpg of my Claim Form but its postage stamp size but I've seen in other threads that I can put it up in the Blog at a readable size. Sorry, have looked for it in the site FAQ

13th June 2007 To: Robinson, Way & Company Limited London Scottish House, Quays Reach Carolina Way, Salford M50 2ZY Data Protection Act 1998 Subject Access Request Dear Sir/Madam ACCOUNT NUMBER: XXXXXXXI hereby request all data that you hold on me from all relevant filing systems, to include a complete list of all transactions and charges on my account with you. I also require a transcript of all recorded phone calls pertinent to this account and all notes made in relation to those calls. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Please note that this account is now in dispute. Yours faithfully,

14th June 2007 Claim No. XXXXXXX Issue Date 04 JUN 2007 Robinson, Way & Company Acc. No. XXXXXXX Robinson, Way & Company Reference No. XXXXXX Dear Sir/Madam, I have received the Court claim filed by your Company. To enable me to file a defence and counter-claim, I require specific information regarding the account to be provided forthwith. Given that this matter is now the subject of legal proceedings, you are obliged to disclose under the Civil Procedure Rules, the information and documents detailed below. This letter supersedes the Data Protection request made to Robinson, Way & Company Limited recently. The information must be furnished by the 27th June 2007, which gives you ten days to provide what has been requested. If you fail to comply, this will be reported to the Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought. The following information is required:- I hereby request all data that Robinson, Way & Company Limited hold on me from all relevant filing systems, to include a complete list of all transactions and charges on my a/c formerly held with Marks & Spencer Money. I also require a transcript of all recorded phone calls pertinent to this account and all notes made in relation to those calls. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of Robinson, Way & Company Limited, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with Marks & Spencer Money. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. A true copy of the original signed agreement between myself and Marks & Spencer Money. A genuine copy of the deed of assignment, between your Company and Marks & Spencer Money. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable). Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated and what the charge covers. All data in respect of this account held in the relevant filing systems of Robinson, Way & Company Limited, including details of all telephone calls made by your organisation to my home and work telephone numbers and notes made in respect of those calls. Specific details of the fees/charges levied by Robinson, Way & Company Limited in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. I look forward to your co-operation in this matter and receiving the documentation by the 25th June. Additionally, as the information requested contains sensitive personal details, I expect it to be sent by guaranteed next day delivery, to ensure its safe arrival. Yours faithfully,

Ok, been very busy. My work requires me to travel allot so do apologize. I have sent off two letters after reading the thread that Laiste suggested. Sorry if I hadn't time to ask for proof reads. Thank you again Laiste, you have been extremely helpful and I do appreciate that. I'm posting copies of the Claim Form and the two letters that I sent and leaving the dates to show. I now have to urgently send my response. So here goes.

Laiste! Thank you VERY much. What you say makes allot of sense and I'll follow it to the letter. Regards,

Thats OK KeefG I appreciate all the help I can get, this scares us and though we know this was an over-site on our part, this is beginning to be a bit much. I came across this site by searching for help and found DiskmanDaves thread which was excellent. This gave us the bottle to explore other avenues. And thank you to MinceMeat I've got some work to do and will keep you posted

Excellent, thank you for that. I wonder though, the Claim Form asks for a reply of acknowledgment do I counter claim or should I just say its in dispute? Thanks again

Hi, Just joined. I've had a debt from a previous M&S Loan some 11-12 years ago it went with Greens Solicitors for many years and paid on time £200 a month for years, it moved to Robinson Way about a year ago. Recently we (my wife and I) have found less money coming in from her job as a teacher coming to an end plus we have kids in University. They have made me offers to settle for maybe 30% off but wasn't able to afford it. Have asked them to accept a reduced amount to £100 which they accepted but wanted two payments at once which we couldn't do. they have now sent a Claim Form from Northampton County Court for the full amount, just arrived today. The amount doesn't seem to add up we took the loan out for 15K the amount we would have paid by now must be near 24k they say we owe 5k. I guess I'm wondering were can I go from here? is it to late to do anything about it?