robbers way help needed - vanquis card

[reorete]

so in your opinion this document they have sent me isnt proof ive had credit? thanks for all the information guys and ty for looking at the document and giving your opinion..if robinson way call me again i will screamm

[lickthewallfatboy]

it's not a matter of proof of you not having credit

 

they have no agreement which can be used to enforce any alleged debt in court

[vint1954]

so in your opinion this document they have sent me isnt proof ive had credit? thanks for all the information guys and ty for looking at the document and giving your opinion..if robinson way call me again i will screamm

I have blown the application up and cannot see any prescribed terms, so just an application.

 

If when you get the origonal in the post, it has the terms on the back, then that could be a different matter.

 

When you receive the origonal:lol: in the post, we can all look again.

[reorete]

ty very much lickthewallfatboy xxx i really appreciate your advise on this . robinson way are giving me a big headach at the moment its not about me not wanting to pay its the amount thats making me so mad... the debt they are talking about is a credit card debt with vanquis the limit on this card was 200 pounds now robbers way want £1,151,78 which to me is daylight robbery and to be honest hell will freeze over before i pay interest that huge...

[lickthewallfatboy]

have a read at this

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

[reorete]

just had another call from robinson way muppets yet again asking for payment...i saked why they are phoning me again askin for cash when the accounts in dispute as im still waiting for the original credit agreement .she inisted its been sent i told her thats an application not a true copy..she says thats got my signature on and is good enough then in an annoying voice said will you be paying that by credit card madam..i wont give you my reply as its too blue for this site lol....i then asked her to point out on the application to me where the terms and conditions are lol and said they have no agreement with me and they can take me to court. im confused now as robinson way say i owe the money to cabot? i replied the original creditor is vanquis? she told me vanquis is cabot..so im confused robinson way cabot and vanquis are all the same firm? ps never knew winding robbers way up could be such fun

[lickthewallfatboy]

let the idiots chase their tails

 

logic is not a word applicable to the crazy world of DCA's

[lickthewallfatboy]

and don't talk to them on the phone

 

don't answer any of their crap security questions-tell them to conduct all communication in writing,then hang up

[reorete]

ok ty i wont talk to them anymore xxx

[lickthewallfatboy]

you need to establish a paper trail that you can call on if needs be

[reorete]

how do i do that? ive started keeping all the letters they send me . is that right

[Huff&Puff]

Yes, keep all written communication from them, and copies of any letters that you send. Always send letters by recorded delivery, and never speak to them on the phone (unless you want to bait them ).

 

You have already discovered, when they speak on the phone they lie

[reorete]

:) the baiting is the best part... i keep laffin at when she said how will you be paying that madam by card??? lmao

[welshwizard]

Asking you to pay a debt with a credit card is against the OFT Guidelines too... These muppets get better and better:D

[reorete]

hi i received a letter from robinson way today .....Dear miss xxxx Due to cabot Financial (Europe)LIMITED.we refer to the above accountwhich will be managed no longer by this office.All future payments and correspondence must be sent to our client.directly.if you were paying us by standing order.please cancel that instruction and set up a new standing order to pay our client, ? i phoned this morning and was told cabot were now holding my account.i reminded them that the account was in dispute and they shouldnt be sending the account elsewhere ,,anyone to advise me on this?

[reorete]

ps i thought cabot was robinson way? i asked this but they said no apparantly they have sent my account back to cabot who held the account before robinson way

[reorete]

im sooooooooooo confused

[silverfox1961]

Crapbot had the account, passed it on to Robbers Way, Robbers Way got nowhere with you so passed it back to Crapbot.

 

Simples tch!

[debt4get]

stop talking to these idiots on the phone there job is to frighten you into paying... if it is an application form then thats all it is and is unenforceable

deal only by letter, much better and gives you a paper trail if you do need it.

[reorete]

so what can i expect now? im still waiting on a cca from robbers way and the account was in dispute.do i wait till cabot contacts me? will i have to start the whole thing again lol cca request them?

[vint1954]

Do not talk to them over the phone.

 

You have sent a CCA to the people dealing with your account at the time. You do not need to start again.

 

Don't play their game. Make them play yours.

[Tartan Barty]

If you have an application form without prescribed terms on it then why waste your time, effort and paper. Robbers Way have been at me for about 18 months with a single side of A$ that they say is an agreement and in reality it has my signature on and nothing else.

 

If you write they write back. Just ignore everything that concerns this account unless they take you to court where you will be able to get costs from them.

 

It really isn't worth playing. If they were going to admit it wasn't an agreement they would have done it first time round.

[reorete]

ty tint and barty for your opinion on that.i will ignore it from now on xxx

[overdone]

I dont think the County Court would look too kindly on all that interest

Good point on interest. Vanquis and Provident (of doorstep lender fame) are the same company. The max level of interest is I understand 40% in this country and vanquis nearly charge this. Some say it's higher on cash advances. It would need to come before a judge though to be ruled as an unlawfull interest rate. 183% is what I pay Provident and their CCA's are flawless except for the unlawfull interest rate that no judge would sanction.

[angry cat]

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/213413-arghh-robinson-way-seeks.html