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    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
    • Yes it doesn't work HB  In Wales someone needed a test on a Sunday, the testing station at Llandudno Hospital was closed, so they could either go to Manchester, 75 miles, or Cardiff 200 miles and a 10 hour round trip.   But as Manchester is England no guarantee on getting test results.
    • Hi, Few days ago my car was taking by Tower Hamlets for parking in a single yellow line. The contravention time states in the PNC from 10:50 to 10:56. Is it possible that they can take my car just for 6 minutes contravention? Is possible that due to the COVID-19, I can challenge that PNC? My neighborhood is always full of cars and there are not enough parking spaces, so everyone parks in a single yellow line if there is not any parking spot available. I do not hold a parking a parking permission. I was not able to apply for it due to the covid.  Any help? Thank you very much.
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mig4

Robinson way... again by the looks of it

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Hi!

 

Need some advice regarding our good friends at robinson way, this all started about a week ago where suddenly i got a message on my answerphone which was seriously non-descript:

 

'Hello, this is Robinson Way, press 1 to continue'

 

always the same bloke, automated message.

 

Now I thought this was [problem] or something because there is no way that I'm going to answer the phone and then press 1 when an autmated voice asks me to, so i ignored it (I'd never heard of robinson way at that point).

 

A week on and they keep phoning my landline (only my landline??) and leaving the same msg on the answerphone, today they broke their own record and left me 9 messages in one day, awesome.

 

So here's the question, I've been looking at this forum and how much of a pain in the arse these guys are; I have had a serious think about what I owe to whom and I'm convinced that I don't owe anything at all. I have no idea why they are contacting or why they have my number. Strangely they only phone on the landline, not my mobile, and I have received no letters. I have tried searching for anyone else in the same position on this site but couldn't find a similar post (so apologies if this is a repost...)

 

The question... should I contact them to find out why they're chasing me? what should I tell them if I do? I don't want to give them my name or address as I see how they harass people from other posts on this site...

 

Clearly I have a slight niggling feeling that this might be genuine but seriously, I can't see what debt I owe to whom

 

any advice would be graciously received because they are starting to do my head in slightly now (and I haven't even spoken to them yet...)

 

Thanks

 

Mig4

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Don't contact them and never speak to them on the phone. Just wait until they write to you then you will find out what they want.


:cool::cool: Blondmusic :cool::cool:

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hi thanks for the response, this is kind of what i thought but could i be buggering myself up by not responding (credit rating...) if this turns out to be genuine? sorry I know very very little about how this all works, really appreciate the advice

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hi thanks for the response, this is kind of what i thought but could i be buggering myself up by not responding (credit rating...) if this turns out to be genuine? sorry I know very very little about how this all works, really appreciate the advice

 

If they are going to screw up your credit rating, they WILL.

 

Simple as.

 

JOgs

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Just leave them to it. Make a note of the dates and times you get the calls for when they write to you. Once you have a letter from them you can send the prove it letter and the telephone harrassment letter all in one go.

 

Prove it letter,

 

Name/Address:

 

Date:

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

Edit red text to suit, do not sign it and send by recorded delivery.

 

Telephone harrassment letter,

 

- HARASSMENT WARNING -

WARNING; PROTECTION FROM HARASSMENT ACT 1997;

WARNING; COMMUNICATIONS ACT 2003. s127.

Telephone Number: {you’re Telephone Number}

Re: Harassment by telephone

 

Dear Sir/Madam.

 

I am writing in relation to telephone calls that I have received from your organisation, which I deem to be personally harassing. I have verbally requested that these calls stop, but I am still receiving call. I now require the telephone number listed above to be completely removed from your systems.

 

I am in the view that your continued telephone calls put you in breach of the Protection of Harassment Act 1997.

 

This is a private telephone line, operated on a contract with the intention of receiving and making personal phone calls, I have not authorised any other member of my family to receive calls from your organisation using this PRIVATE TELEPHONE LINE.

 

By using this telephone number without my permission you are interfering with my ability to use my own private property for the duration of any call.

 

It is my right to require that this telephone line, which is licensed solely to me, is kept clear for my own personal calls.

 

It is consequently my view that you are committing the tort of interference with contract insofar as for the duration of each call you make to me without my permission, you are interfering with my contractual right to receive and make personal calls on my private telephone line.

 

Continued interference with my contractual rights in this manner may result in legal action.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to the Office of Communications, Trading Standards and the Office of Fair Trading, meaning that you may be liable for a substantial fine.

 

Be advised that all telephone calls from your company will be recorded.

 

Yours faithfully,

 

Again edit to suit, do not sign and send recorded delivery

  • Haha 1

:cool::cool: Blondmusic :cool::cool:

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There is a reason why they don't leave you any info in the messages or write to you..... it's because in all probability they know they don't have a leg to stand on and this way they can try it on without incriminating themselves.

 

Ignore and report to trading standards.

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Thanks guys thats sterling advice, will put that into action if they don't stop soon.

 

much appreciated :-)

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Do keep a note of the date and time of all their calls.

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If you just keep getting calls then report them to the OFT. You will only get a reply saying that they can't deal with individual cases but it will be on file when the DCA re-applies for the credit licence.


:cool::cool: Blondmusic :cool::cool:

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That's right, the more complaints logged against a particular company the better.

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