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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

agjones

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Everything posted by agjones

  1. agjones
    Sorry to mess it up - hoping I have now got it right with a pdf file. With various references removed, may I point out that none of the correspondence from Lloyds (especially the first letter) has the credit card number on it. Tony
  2. agjones
    Thank you for your comments dx and BRIGADIER - I am reassured that ignoring Robinson Way will just leave me with the irritation of their persistence. HOWEVER, what is your reaction to my approaching the Financial Ombudsman Service? You see, I have this letter from Lloyds Bank dated 24th Dec. 2013 stating they haven't been able to agree a suitable repayment plan with me, so they have transferred my debt to Robinson Way. The letter clearly cannot come from Lloyds as they are currently saying they have no documentation to hand because my debt is nearly 20 years old. There is surely some fraudulent practice going on. What do you think? Tony
  3. agjones
    dx Of course you are right, I have stopped paying and I ignore letters and telephone calls - but they keep coming; the phone calls, that is, but not letters recently. It would be much preferred if they had no part in my life. Perhaps that is too much to expect! It is a pity there is no Parliamentary action on these illicit operations. ALSO, to Sato999, you have come to the right place for your advice and guidance. Lets hope we both get rid of these vermin! Thanks Tony
  4. agjones
    Since my last posting I have contacted my local MP and provided various information. She has contacted Lloyds Bank and they have responded with a number of statements: (1) We no longer have the physical application pertaining to the debt accounts, due to the debt being nearly 20 years old (2) We would take the fact Mr Jones has been paying the debt for so long, something he does not dispute, as clear evidence the debt is valid. They also say they are concerned to learn that I feel Robinson Way have acted in a menacing and harassing fashion and they regularly review such feedback about the partners they use on a regular basis and my comments will be recorded as such. I have a letter sent Dec 2013, purporting to come from Lloyds Bank, stating that the debt was to be collected by Robinson Way. If Lloyds say they have no statement about the debt, it seems very unlikely they ever sent that letter. If the letter originated at Robinson way, then it is surely a fraud. The only advice I have from Lloyds is either to contact Robinson Way or the Financial Ombudsman Service. What do you advise? I really would like to bring all this to an end. Many thanks for your patience and help in the past. I feel more able to contact you first than fill in forms for the Ombudsman. Regards Tony
  5. agjones
    Since my last message (and cry for help) on 15th Jan 2014 (thank you for your useful comments) I have been regularly receiving letters and telephone calls from Robinson Way. However, they have never provided evidence that they can legitimately collect the debt - in fact they have failed to satisfy their own comment: "Following your request, we have today asked for a copy of the agreement/statement to verify that you are liable to pay the amount due." I feel I am being harassed by them. Further to this, today I have received a letter saying "..., we may now arrange for a doorstep collector to call at your address to agree an affordable payment plan with you, dependant on your personal circumstances." They then suggest that, to avoid escalation to this stage, I should contact them to arrange an affordable payment plan. Although I do not intend actioning this latest letter, I do feel that I am being unreasonably (if not illegally) harassed and would like to see it stop. I am at an age where these processes become injurious to my health and they have no legitimate reason for continuing. Please can you provide any suggestions. Kindest regards Tony
  6. agjones
    Having sent the letter you suggested fletch70, I have just received the following from Robinson Way: "Following your request, we have today asked for a copy of the agreement/statement to verify that you are liable to pay the amount due. Your account has been placed on a hold temporarily pending receipt of this documentation and we will contact you again in due course. Thank you for your co-operation." I would welcome your comments. In the meantime, I assume I just wait. Tony
  7. agjones
    I have received a letter from Robinson Way, today - as expected. I took up the 30 day free trial with Experian and found I have a VERY HIGH (Excellent) rating from them. I can find no reference to any debts and Lloyds TSB do not feature as one of my credit cards. I am about to send a reply, as suggested, to Robinson Way - perhaps I will wait until Monday and get a proof of postage from the post office! We shall see what happens next - if anything. MANY THANKS again for your help and advice. Tony
  8. agjones
    Thank you fletch70 - that sounds like very good and measured advice. I shall await correspondence from Robinson Way.
  9. agjones
    THANK YOU for all the responses to my problem. The letter I received from Lloyds Bank says: "As we haven't been able to agree a suitable repayment plan, we've transferred your LTSB CARD to a Debt Collection Agency, Robinson Way. We've instructed Robinson Way to arrange collection of the outstanding amount. Please contact Robinson Way as soon as possible to arrange to pay back the outstanding balance. Their full contact details are below, and they can be contacted using either of the below methods between 8.00 am and 8.30 pm Monday to Friday, 9.00 am and 4.00 pm Saturday." The contact information for Robinson Way then follows. I am suspicious about this letter because I cannot imagine Lloyds Bank going to the trouble of spelling out the contact arrangements with the DCA, - surely, they would just say "get in touch with them". ALSO: Someone else suggested looking at my credit rating details. I have never done that before - presumable I use Experian. Is there anything in particular I should look for?
  10. agjones
    Back in May 2013, CAG members helped me get rid of Credit Security Ltd by following their recommended steps and using standard letters - we have stopped making payments and had no response from Credit Security - THANK YOU!! BUT NOW, I have received a letter purporting to be from Lloyds Bank transferring the debt to DCA Robinson Way. The debt is about 18 years old and I have not paid anything directly to Lloyds TSB for most of that time. The letter begins with "As we haven't been able to agree a suitable repayment plan ..." I have had no dealings with Lloyds Bank for more than 15 years and there has been no attempt to discuss a repayment plan. I am very suspicious of this letter. I suspect the letter has originated with Robinson Way and, if that is the case, then it appears to be an act of fraud. The letter has a Lloyds Bank logo and details of its registered office, but the whole thing looks like it was printed on an ink jet printer. Please can you advise me what to do next? Regards agjones
  11. agjones
    It's me again. The letter I sent Credit Security was a "Failure to Comply" letter. I guess that is different from a "Disputing the Debt" letter. Tony
  12. agjones
    I'm sorry - I should have explained that this latest letter from Credit Security came after sending them a dispute letter - using the appropriate template. I have also, now, sent a message to CAB outlining what has happened, as they are the route to Trading Standards. I hope I'm doing the right things. Thanks again, ALL of YOU, for your interest and comments. Tony
  13. agjones
    As you see, it is now early May and I have just had another reply from Credit Security Ltd. They apologise for the delay in sending the Credit Agreement and will forward it as soon as it is available. Surely it must be available for them to be able to collect any debt from me, what do they mean? Do I now contact Trading Standards through Citizens Advice Bureau? Thank you for all your help and advice to date. Tony
  14. agjones
    I followed the standard advice of requesting a CCA and Credit Security Ltd sent the following reply: We confirm we have requested a copy of your Credit Agreement which will be forwarded to you as soon as it is available. However, as the above debt has not previously been in dispute, kindly confirm whether you acknowledge opening the above account in your own name, using our clients services and the balance according to your records. If you are disputing the outstanding balance or believe that the account has been the subject of fraud, kindly provide full details to enable our client to investigate this matter. I feel wary about answering their specific questions in case they commit me to anything. As I have been paying them for years, it seems unlikely that I did not recognise the debt. Can you advise me on the next step to take? I feel inclined to send a non-specific response. Thank you.
  15. agjones
    Hello I had an original credit card debt with TSB about 16 or 17 years ago, when my business was terminated. Because of my circumstances I agreed a monthly repayment of £1. After sometime I found I was having to make the payments to Credit Security Ltd and I am still doing so. Some years ago I suggested making a single payment of a substantial sum (but less than half the debt), which would be far more than they will ever receive in my lifetime at a rate of £1 per month. they refused the offer. With postage of 50p I really want to bring this to an end but I cannot repay the total and will have to look to others (possibly) to make up an offer. I really don't know how best to do this. Can anyone help, please? PS I am a pensioner and not able to access much in financial resources. Kind regards Tony

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