i've just received a letter from Cabot Financial. It has changed from Robinson Way but on the letter i previously received from RW it said that the money was due to Cabot Financial. on this recent letter it says thank you for your recent payment (i suppose they mean the £1 i sent for the credit agreement. the twelve days has passed long ago but Cabot have replied within the month time schedule but ignoring any credit agreement and statement of account i asked for. they have said on the letter that interest where applicable , will be added until i make an agreement to pay. i have no intention of paying these people any more money as i have paid of the debt in my eyes and they keep adding money on(as previously explained in my other posts). please could someone advise on what to do next. do i send another letter to Cabot this time ,and if so which letter do i send? thanx all dazza

ok cheers .thanx for the advice

its looks like a good letter to send but i have already sent a letter with £1 for the CCA request and statement of account which they have ignored..they have 2 days (21/7/07)until they default and 21 days until they commit an offence.have you any idea what letter i can send once these time limits are up?

whats the difference with special delivery and how much does that cost.i've paid enough money to robinson way and grudge paying out any more for a debt which should be dead and buried.

I Typed In The Reference Number But Nothing Came Up..said It Might Take A Few Days But Its Been 10 Days Now ,so Can't See That Being Right..says To Try Again Later.

i have got a receipt for the recorded letter i sent.haven't rung post office to see if it was signed for though.although they obviously have received it as they took the £1 i sent for the cca.

i have already sent that letter on the 9/7/07 which they have totally ignored ..do you know what the next step is .i've read that if they take longer than a month to give the cca request then they are committing an offence..do i wait that long before doing anything or is there another letter i can send ?

hi just received a letter today from robinson way saying thank you for the £1 which has been credited to pay off my account. carries on to say that if i don't make full payment or contact them to agree a reasonable instalment plan then further action will be taken. i'm sure i've read that they did this to someone else too. .any advice on what to do next would be gratefully received.. thanx all. p.s. forgot to add that they have totally ignored cca request and request for statement of account.

i had already stopped the direct debit going out as advised by the debt collector(when the amount was reached) as he said they might take more if i didn't.i have sent a CCA request and statement of account as advised.thanx col for the reassurance that i'm not on my own on this..

ok cheers .will do it straight away

hi. i've been paying a debt back over the last two years for a credit card i had some time ago. a debt collector visited the house and i arranged to pay through direct debit. he gave me an amount i owed and a payment card which he marked off each payment in the beginning before the direct debit was set up.. i deducted every months payment until in my view i had payed off the debt completely .now robinson way have sent me a letter saying i still owe £262.00.. there is now ay that i owe this or even owe them anything . i think the debt was being payed to a different company in the beginning. i phoned robinson way and they just didn't have a clue what they were doing but in the end they confirmed that they had been receiving my direct debit. now they are asking me for proof that i have payed off this debt. in my eyes i have but what is stopping them making up a starting figure ,different to the one the debt collector gave me. any advice on what to do next would be great as i am adamant that i will not pay anymore and do not owe them any more money. cheers

maybe not worth it then ..

hi i've had a barclaycard for approximately 3 years and have always paid evry bill on time.early in fact but i've just been charged a late paynment of £12 . every bill i've paid early even before my statements arrive .as soon as i get paid i pay something off.just before xmas i paid dec payment at the beginning of dec but it wasn't due until the 28th dec. i got paid on the 22nd of dec so i thought i would pay january's payment as soon as i got paid but was told this meant that i had just paid two payments off dec and because i didn't bother paying in jan i was charged a late payment charge . i know it was my fault looking at it now but i am so annoyed .especially as i was told it was tough luck and complaining would be no use as it would make no difference .that made my blood boil so i want to complain in writing. is it worth trying to claim back £12 on principal or should i just send a letter stating my grievance . i know the OFT mentioned £12 but i would like to make them know how mad i am. thanx dazza

hi thanx both . excellent .thats great news .thanx very much .will get on to writing that letter and see what happens and then contact trrading standards. thanx again dazza

hi i've been receiving debt letters from aktiv for a debt they are saying that i owe . i have no recollection of the debt as it must be from more than 8 years ago . i went through a divorce around ten years ago and was in some debt .on the letters they don't say what the debt is for or for what company ,it only says the amount i owe . they are now threatening me with court and putting a ccj on my credit account . i am just wondering if they can do this with a debt that is so old and to be honest i dont know if it was paid off or not. up until now i've just ignored them as they havn't said what the debt is for. can i do anything about it or are they entitled to chase me for a debt that old? there is nothing on my credit file as yet in regards to this but reading on here it might be early days thanx dazza