poss

but as its prob SB

they've offered discounts

 

it might be better to leave things be

 

unless you think you took out PPI? dx

I don't remember any PPI on it, no. I agree, it is SB in my eyes as I have never paid anything to it since about 2004. I keep telling them it's SB, but they made up a fictitious payment last year, which I'm 100% sure I never made. Why would I when I told them a year earlier it was SB? The industry really is rotton to the core

so you agreed a payment plan outside of the court being involve and after the judgement?

and what was the judgement, have you the CCJ copy?

 

they MUST abide by anything the judgement says

 

dx

I can't find the actual CCJ, no. Yeah, I agreed a payment plan with them without the court being involved, they've happily taken those payment for 4 years now from what I can see. I've never missed a payment and it comes out as a standing order every month. I just don't want any more added to the debt. Sending a letter today to them asking on what grounds they are going for a writ. Thanks

then there must be charges or PPI to reclaim?

 

who was the org creditor?

 

did you ever SAR them?

 

dx

The original Creditor was Sainsburys Bank. I've not SAR'd them yet. It's quite old now, do you think it would be worth it?

threads merged.

 

so you never got the set aside done?

 

what happened please?

 

dx

I frantically checked to see if i ever replied to their claim and I did (there was so much going on at that time, it was all a blur) ,

I couldn't use the "didn't know they had taken me to court" route

I just had to start paying up.

I agreed a payment plan with them and had kept up the payments since, never missed once.

I have no problem paying it as it is my debt,

I just feel annoyed by their recent threats.

I'll fire of the letter tomorrow.

Thanks guys

Not heard a thing from these muppets since I asked for proof , had a couple of letters giving me a fantastic opportunity to get 40% knocked off though lol

I'll fire off a letter to them and let them know. Could it just be a rouse to get more money out of me? silly question i guess! LOL

Hi,

 

You need to write to Aplins and state that you have been complying with the terms of the CCJ and have paid the agreed amount every calender month.

 

Any action will be vigorously defended.

 

Did Hillsdens / DLC take you to Court?

Are Hillsdens / DLC named on the Court paperwork to pay?

You must continue to pay whoever is named on the Court paperwork at the agreed amount.

Only a Court can change who you pay.

 

If your financial circumstances change in future, you can apply to the Court for a variation in the amount.

 

Do not ring, keep everything in writing so you have a nice papertrail.

 

Have you full payment statements to show that you have fully paid on time and every month?

 

Stigman

Yeah, never missed even one payment. I had to double check there wasn't another CCJ! but no it's the same one. they have been ringing me loads lately, but TruCall has been telling them to do one

It's the Barclays Masterloan

Aplins have written to me about a debt I have with Hillsden / DLC.

It was a CCJ from 8 years ago and I've been paying £50 per month for over 6 years now.

They are saying I haven't paid and are about to issue a writ for a Warrant of execution ?

I've never missed a payment and have paid even when I was unemployed.

Can they do this?

gather the evidence first?

 

dx

OK, cheers

then you need to demand they send you a copy of the payment giro slip

 

dx

Cheers, will do. Is it worth making a complaint to the Financial Ombudsman too? I was thinking Trading Standards too?

final decision

they are a powerless DCA

 

time you ignored these muppets

or ask them to PROVE

from where

by whom

and the METHOD of payment

 

I BET they comeback and say it was by a giro cash slip.

 

usual 'trick'

 

dx

Yeah, it says it was paid at a Lloyds ??? I've never been in a Lloyds!! LOL

Thanks

BCW have been chasing a SB debt of Akitiv Kapital for a few months,

I'd already told AK last year (april) that it was SB and that I wouldn't be paying,

they ignored me and sent a few letters, but went quiet for a bit.

Now after complaining and telling BCW it was SB,

I've received a letter "Refuting" my claims. It shows a "payment" made in November 2012 of £40. Which I never made!!!

The account was SB in April 2012, so how they think phantom payment this makes it un-barred I'll never know.

What should i do? BCW said they are continuing collection on the alleged debt and AK say I've made 1 payment last year that i didn't make!!!

Who is best to complain to as BCW said there letter was there "final decision" on the matter!!!???

Complain to the FOS and see what happens

The whole industry is rotten to the core.. when will our MP's do something about it? Getting fed up of them myself

Thanks guys.. I really like the last letter by 42Man, so will be sending this one by recorded delivery today I think

yes so it there on Monday for them.

OK, thanks

Write back to the compliance Manager saying

 

Dear Sir or Madam,

 

I have received your letter dated xx xx xxxx asking how Robinson Way have failed in dealing with this allged debt, I would think it is quite palin to anyone who has read my previous letters : PLEASE NOTE THIS ALLGED DEBT IS STATUTE BARRED AND I WILL NOT BE MAKING ANY PAYMENT OR OFFER OF PAYMENT.

Final Response.

Thanks... would I be best sending it "signed for", so they can't claim they never received it?

OK, got another letter today saying "Where have we gone wrong?" and they could offer a discount, but if I ignore then they will take "further action"... no mention of courts in this letter.... They are getting on my nerves now!

We have been advised by the local TS to write a complaint to them and warn them under the Protection from Harassment Act 1997. We have also informed RW in the letter that we will be making complaints, once again, to TS and the OFT.

 

42man. How do you press for harassment if they continue to do so when you have warned them?

 

Yeah, sorry dx100uk. I have been really stressed lately, what with ill health and other issues, and I couldn't help myself. They are not going to get a penny.

I made the same mistake, it just made me even more angry after speaking to the phone monkey

They most likely to use 2nd class post so don't fret, at present I would say this has not reached harassment level but is getting close.

Thanks... yeah they took about 2 weeks to get back to me earlier in the year when I told them it was Statute barred. I've still got all copies and proof of postage / signed for copies etc. I shall wait and see what happens next..

It might also be Harassment which is a criminal offense.

Best one of the more senior members think that one over for you and give a better answer.

If feels like it.... still nothing from them in the post after our conversation. hmmm

It is well worth reporting them, they like to take liberties and the more reports the so called regulatory authorities get the better.

 

Try to stay off the phone with them, I know it is tempting to wind them up but it doesn't really help much.

I know, I just lost it, had bad news and their letter was the straw etc... I will report them for sure, should have done it earlier this year! Thanks for replying x

Yes, almost certainly you need to report them to the OFT.. they will not get involved in individual cases, but they do keep a record of complaints made which are then used when a company reapplies for its licence.

Well I will definitely report them, they won't be bullying me that's for sure