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Robinson & Way Offer...!!!


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Hi,

Back in May RW sent me formal demand for a Debenhams account. I requested a copy of CCA & statement of account but since my request they have never been able to provide me with any documents relating to that account.

Today I received a letter from them offering to reduce the outstanding amount from £3000 to £1500 with a possibility to repay over 3 years.

I want them to reduce the debt even further but how can I do that as until now I have said to them that I had no knowledge of the debt??

Can anyone help??

Thank you,

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Yeah!

 

They cannot enforce the debt because they cannot provide a valid CCA, so they are offering to reduce the debt, how nice of them?

 

I would suggest that you are in the driving seat here and could make a counter offer nearer to what you want!

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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It is generally found that DCA's only offer reduced settlement amounts when they cannot prove the debt.

 

Until they prove that they have a right to collect on the debt, don't enter into negotiations with them.

 

Wait until they accept they cannot send you the CCA, then if you wish to, cease paying them, or negotiate from a position of strength

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