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Robinson Way & Co


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On May the 8th 2007 l sent these idiots a CCA request, on the 19th July they sent my £1 P.O. back with a compliments slip saying..


Unfortunately we are unable to get a copy of the agreement, please find enclosed the £1 P.O.



Today received a letter of them with the usual pay up in 7 days threat or we are taking you to court for the same account...


Let the fun begin :D :D :D :D


time to Report to the ICO, T.S. and an investigation by the FOS is appropriate i think.

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Well I'd throw this at them and at least give them a heads up ;)


Account In Dispute

Letter Before Action


Dear Sir/Madam,

I refer to my recent correspondence with your company concerning this alleged debt, copies of which are enclosed for your perusal and ease of reference.

As **DCA** have failed to comply with my Consumer Credit Act request and admitted that the alleged signed executed agreement is unavailable, enforcement action is impossible under section 127 (3) of the Act.


The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, Your company commit an offence. These time limits expired on XXXXXXXX and XXXXXXXX respectively.


As you are no doubt aware subsection (6) states:


If the creditor under an agreement fails to comply with subsection (1)—


(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.


Therefore as at XXXXXXXX this account became unenforceable at law and it is now my intention to refer this matter to the enforcement authorities.


If **DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.


It is also my belief that your continued pursuance of this matter also constitutes an

offence under Section 40 of the Administration of Justice Act 1970.


Failure to respond favourably to this letter within fourteen (14) days of receipt will result in immediate litigation being commenced against your company without further notice.

I also require a copy of your internal complaints procedure as further action may be necessary.


I would appreciate your due diligence in this matter.


I look forward to hearing from you in writing.


Yours Faithfully

Be VERY careful whose advice you listen too

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