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    • Dear All,   BN - Thank you for your comments.    My wife had prepared the relevant notice to the court and rather than spending time redacting I am sending it as PM to the contributors to this thread. It covers everything we have been discussing and is in line with  your comments and our discussions.   For the benefit of readers oif CAG I will redact and post it later as we have pressing family medical matters to attend to.    Warm regards BF  
    • Maybe have a third chamber, The Peoples' House 😃
    • Thanks for the images. It's shocking. This more than ever reinforces my view that you should take this to court. The number of people they must be fobbing off with this three months story is incredible – and they need pulling into line. If you simply complain to the CEO then they may sort out your problems – but the rest of it will go on as usual. They need something very serious here. In fact, I would think about suing them for £200 because I think that once they realise about the mistake they are making, they will be extremely anxious not to go to court. On the basis of this, I'm afraid I don't think I would even alert the CEO. I would send a letter of claim which will probably simply be seen by drones – and then issue the papers. I think you have an easy win on this case. Also, once they realise that they are dealing with a court case, they will look at the whole situation more carefully and they will probably sort out all of the problems at the same time. If they don't, then these two have laid down your marker and they will know that you're not mucking around and they will take you seriously.
    • These are the two incidents from Virgin Chat where their Live chat has informed me of the 'only 3 months' decision.... 15 April was the date they acknowledged receipt of my SAR. Apparently anything from before that date can't be included!
    • You could try both routes at the same time. Send your letter of claim by email to the CEO email address. Confirmed by letter. That way you have communicated with the CEO – but given a very definite deadline and a very definite promise as to what will happen if they don't comply. Then on day 15 sent the claim. Don't make a threat of legal action if you don't intend to carry it out. Don't bluff – but it is very easy to do
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Robbinson way! chasing old HSBC joint business loan


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Can I just say, I have personal experience of Robinson Way doorstep collectors. This was a few years ago, before I was aware of this site.

 

At this time I thought one of my other debts was going to make me bankrupt, which I told the chap, he wrote it on his book. We had a really good chat, he was not aggressive in the slightest. Apparantly he was made bankrupt a few years before and knew the situation. I have not heard anything from them since.

 

Regards

 

David

 

Thanks for the info uptotheneck :)

 

...

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  • 2 weeks later...

ok.. letter for Mr X arrives today from Horwich Farley? Was in the same envelope as Robbers usually come in.. I was being nosey and opened it :oops:

 

It said it was from H.F and said Mr X needs to contact RW and pay the balance in full...

 

I haven't had a letter from them for some time now... only coming for Mr X...

 

Do you think this is a "good" sign as so far it looks like I've dropped off the radar?... (fingers crossed) :oops:

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  • 1 month later...

More letters this week from Robbers.... the usual "where have we gone wrong?"

 

Where do I start?! :lol:

 

I'm now getting offered a very special reduced rate and can even pay in 3 instalments!! lucky me!!! :lol:

 

I'm guessing the same came for MR X, but haven't opened that letter....

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There's nothing stopping you shooting them with a water psitol though and saying 'oops, so sorry, thought you were one of the kids' ;)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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There's nothing stopping you shooting them with a water psitol though and saying 'oops, so sorry, thought you were one of the kids' ;)

 

hahahaha... might give that a try if they dare to darken my door! :lol:

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I wouldn't use water to fil the pistol though....... :D

 

hahahahaha :lol:

 

They also say in the letter that "dispite numerous home visits...." ???? They've never been anywhere near my home! :lol:

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  • 6 months later...

I've got the TrueCall device and have been happily blocking Robbers Way for months, now they started to withhold their number to leave messages on TrueCall. :mad:

 

I've now had to block withheld numbers to stop these cretins! I thought it was illegal for them to withhold their number now? :confused:

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I very much doubt that withholding your number is in any way illegal, after all this is a service offered by BT.

There is very little the OFT will do, who out of you're list of friends, or those on your star list, use withheld numbers?

All you simply need to do is enter all of your contacts onto your 'star' list and tick the 'use zap&star list' then everyone else will be sent direct to your answer phone, and if you have that set to loud speaker you can then choose whether or not to answer it.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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As I understand it it would only cause them a problem if they were using a predictive dialer to do it, so generating anonymous 'silent calls'.

 

If they are calling manually (and leaving a message anyway), don't think you would get far.

 

David

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  • 3 months later...

oh dear... threatograms have started again...

 

 

 

Dear RW Fugitive...

We are concerned that correspondence previously sent to you has been returned marked "No longer at this address".... you are advised...blah blah blah....

 

I have never sent anything back to these cretins :rolleyes:

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  • 2 years later...

Hey guys,

 

RobWay (Via Howich Farrelly) recently contacted me about an alledged debt for a bank loan that became statute barred in 2011.

 

I sent the Statute Barred letter template from here and have just recieved the following from them:

Dear RW Fugitive,

 

Re:RobWay (bank name)

Balance outstanding: £******

 

We write regarding your recent correspondance recieved on **.03.12 the

content of witch (their spelling!!) are

noted.

 

We have looked in to your account and it is not statute barred. we have

recieved payments equalling £500 with the last date being **.03.08

 

Please contact us to settle this account or you risk further action

 

 

blah blah blah

 

They then show a print out of various payments being made by CASH, like below:

 

25/08/07 CASH PAID US 40.00

 

It carries on with various "write offs" then more CASH payments.

 

Now it's my belief that they must show proof that I made the payments on the account? I would NEVER have made CASH payments to any debt, I've always paid by standing order. I know I've NEVER paid anything to this alledged debt for more than 7 years now.

 

Any advice of my next step? :?:

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You have supposed to have paid RW cash?

 

Who in their right mind would send cash through the post or have you supposed to have paid a 'door-step collector'?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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Ask them where the cash payments were made, they should have proof of this, clearly they are trying to make out it is not statute barred.

 

I would complain to the OFT and Trading Standards too - there is a lot of rot coming out of Robbers Way at the moment, for example (before I get told off by admin) there is a case on this site where they are trying to get a very old CCJ resurrected without notifying the court of a change of ownership, and another case similar to this where they are trying to claim a debt is never statute barred...

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You should play along with them at this stage to get as much reportable information as possible. Ask in a nice way for copies of the receipts that show the where and when these cash payments were made.

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Hello, I'm not 100% on legal implications of this but I had similar with Lowells saying I made a £50 payment (again in cash) that my debt was not SB however like you I pay either standing order or using online banking, so challenged them saying I have never made any payment etc and demanded them to prove I had paid. They then sent letter saying it was a clerical error and admitted it was SB but carried on with their this debt is still outstanding blah blah blah.... Not sure if I did right thing but it put an end to it. Others may have better advice in dealing with Robbers Way so just hang fire and wait for further advice

  • Confused 1

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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Was this "cash" supposed to have been paid through the bank, or directly to them?

 

How long has RobWay had the account? Did they ever send you yearly arrears statements?

 

Alan

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Thanks guys,

 

I can't remember getting any yearly statements from them, no. I know I've NEVER paid anything towards this alledged debt and would NEVER pay cash even if I did!

 

So the best course of action would be a proof of payments then and how they were made?

 

Do we have a template or would a simple proove it type letter surfice?

 

Thanks guys/gals :)

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Was this "cash" supposed to have been paid through the bank, or directly to them?

 

How long has RobWay had the account? Did they ever send you yearly arrears statements?

 

Alan

 

It just says "CASH" in every transaction :(

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Hello, I'm not 100% on legal implications of this but I had similar with Lowells saying I made a £50 payment (again in cash) that my debt was not SB however like you I pay either standing order or using online banking, so challenged them saying I have never made any payment etc and demanded them to prove I had paid. They then sent letter saying it was a clerical error and admitted it was SB but carried on with their this debt is still outstanding blah blah blah.... Not sure if I did right thing but it put an end to it. Others may have better advice in dealing with Robbers Way so just hang fire and wait for further advice

 

Thanks :)

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