Robinson way by email??

[accesspwd]

I have a Default on my credit file from Robinson Way.

 

So i decided to email them a CCA request, the same day i sent the email i had a 'out of the office response' sayin:

 

With reference to your recent email, please note any responses will be actioned accordingly by post and not by email.

 

Regards

 

Robinson Way & Co. Ltd.

 

I let the normal 12+2 days roll by and yesterday i decided to write back to let them know, this time i added a 'received' and 'read' acknowledgement to my email

 

So i got an automatic email to tell me the email was successfully sent to their servers and i received another automatic email to tell me the email had been opened and read.

 

If they dont reply to my warning letter, can you please advise me on where i go from here?

 

Thank in advance

[babydoll0141917]

They will reply to emails by letter..To be honest they are good for that unlike some DCAs..

 

If they are passed the deadline for sending your CCA ..email them Account in dispute letter:)

[sam614]

peed them off as they didnot get their quid,me thinks

 

SAM:pLOWELL DETESTER

[diamondgirl]

peed them off as they didnot get their quid,me thinks

 

SAM:pLOWELL DETESTER

 

 

Yep I guess you're right at that.

 

DG

[accesspwd]

Robinson way placed a default against my credit file back in march, so i CCA'd them.

 

I got no responce at all, so i sent them the template after the 12+2 days was up. and again no response.

 

I decided to contact Experian and let them know they will not respond to me and that the Default was put on unlawfully.

 

Experian went away and got in contact with Robinson way for me, however Experian came back and said Robbers Way wont authorise them to remove the default

 

Any ideas on where i can go from here?

 

Thanks peps

[mr.ton]

Report them both to the OFT, trading standards & the information commissioner.

You will need another authority to force them to do it.

Dont rely on the CRA's who are just doing what their best buddy mates in the DCA's want them to do.

[accesspwd]

I report them, under what grounds should i report CRA?

 

Ill draft something up and get them reported then

[mr.ton]

For placing incorrect info on your file when there was no CCA etc...

[accesspwd]

ahh so for a company to place a Default on my file, they need to show some kind of evidence to the CRA?

 

Make abit more sense to me now mr.ton thanks.

[cerberusalert]

You could send Robbingscum this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/586-legal-notice-issued-under-section-10-of-the-data-protection-act-1980 & have a read through; http://www.consumerforums.com/resources/templates-library/48-bank-templates/129-data-protection-act-non-compliance-template-letters-

[sillygirl1]

Yews, they MUST have evidence they will rely on in court when they place a default on your account... Robinson Way are applying to have their licence renewed so a complaint to the OFT is a MUST... this company are causing me a lot of grief at the moment but I have my ammo ready.

 

The CRAs are a law unto themselves and should be closed down, a government organisation wouldn't be much better but at least they could stop some of the abuse - I object to paying to see who is trawling my file and the 'sale' of the data gleaned from the file.

[accesspwd]

Nice info there, Thanks

[angry cat]

The CRA's are data controllers in their own right,

it is there responsibility to ensure that an individuals personal subject data is in fact correct when it is recorded on an indiciduals credit file.

 

Clearly, the CRA's make no checks whatsoever, they just take the word as gospel from their clients.

If the information that has been processed by the Creditor and the CRA's is incorrect, that is a breach of the DPA.

 

We know it, they know it, but they will not remove the incorrect data

 

I myself, have two cases ongoing at present with Callcredit and Equifax about similar.

[maroondevo52]

accesspwd,

 

I have changed the title of this thread.

 

Regards.

 

Scott.

[accesspwd]

Ye sure thats fine.

 

I take i broke one of your rues for it to be changed.

[angry cat]

Yews, they MUST have evidence they will rely on in court when they place a default on your account... Robinson Way are applying to have their licence renewed so a complaint to the OFT is a MUST... this company are causing me a lot of grief at the moment but I have my ammo ready.

 

The CRAs are a law unto themselves and should be closed down, a government organisation wouldn't be much better but at least they could stop some of the abuse - I object to paying to see who is trawling my file and the 'sale' of the data gleaned from the file.

 

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

[mr.ton]

Someone needs to challenge the whole legal basis of the CRA's to hold any info about individuals whatsoever.

Their attitude is "well we can" - errrr says who exactly?

They are not a government department so who or what gives them the right to hold info in the 1st place?

[sillygirl1]

I think we ought to start a new thread on the validity of CRAs to process our data... they linked me to the people I purchased my old property from, on the basis that a financial transaction took place. I calmly wrote back and stated that as I had done a financial transaction with them ie buying my file, they should link everybody in their firm to my address from the MD downwards... didn't get an answer back to that one! I'll do a thread called CRAS - Their Rights to our Data... and link to this thread.

[angry cat]

Correct Mr. Ton!

 

But unless one has a huge pile of cash in order to litigate against them, in order to acheive case law;

the CRA's will continue to process and process non factual/incorrect data.

 

Until the whole regulatory system is changed, they will continue.

 

Even the Banks themselves, do not consider that the data processed by the CRA's is sufficiently accurate and gives a full, correct picture.

[sillygirl1]

Thread created

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/213881-cras-their-rights-our.html#post2351155

 

and linked to this thread.

[accesspwd]

Robinson way placed a default against me this year and when i requested a CCA they didnt respond, when i sent them a reminded they didnt respond

 

So i contact Experian to query the Default, they themselves questioned robbers way but Experian came back to me and said they were not authorised to remove the entry..

 

I got another email today from Experian saying the following:-

 

Thank you for your email, which we received on 06 August 2009.

I note you are in receipt of our email dated 07/08/09 and I also note your subsequent email. Unfortunately, the information we hold is owned by the companies concerned. We are therefore unable to amend or delete their information without their consent.

If you think any entry in your report is wrong we are obliged to contact the lender to verify your comments or the validity of the entry and adhere to any instructions to amend the information. The lender is equally obligated under the Consumer Credit Act 1974 and Data Protection Act 1998 to ensure that the information they provide is accurate and up to date. If no amendment or deletion instructions are ordered we are unable to amend the information.

For further clarification of this you may wish to contact the Information Commissioner's office at the following address:

The Information Commissioner: Wycliffe House, Water Lane, Wilmslow, SK9 5AF

 

 

 

In the email they said 'we are obliged to contact the lender to verify your comments or the validity of the entry '

 

That would mean they would need sufficient proof im in default correct?

 

How does a CRA check this and how does a DCA show the CRA it?

 

any advice would be great here folks

 

Thanks in advance

Accesspwd1

[accesspwd]

The CRA would need to make sure i a really in default with the DCA, am i right?

[PGH7447]

This is where I belive the CRA's fall down they state the info belongs to the company making it, however your file and data should in effect belong to you, it is after all your data, so by rights (and this is my thinking only) it should be down to you, that if a dispute is in force, the info remains on your file. - and again did you give permission to robinscumway and / or any CRA to process your data - No CCA Agreement no permission

[accesspwd]

Exactly, is there something we can do about this, because this has affected my credit big time.

 

Surely if enough people come together we can put a stop to it?

 

These are non-government companies, so how do they get so much information about us in the first place?

[accesspwd]

How do i get this default removed.

 

Do i need to look at court action against robbers way?

 

If so can someone show me abit of quidance please.

 

Thanks