Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • This is more than helpful. Thank you so much. I will get the cca done tomorrow and post the reply from them for what to do next. Thank you all again. 
    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • 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 !!!!
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
24233513afw

BoS loan, G E & Robber Way CCA

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3518 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi everyone

 

On the 7/5/09 I sent a CCA request to Robinson Way by Recorded Delivery, They received this 8/5/09.

 

On the 14/5/09 I received a reply saying account on delay trying to get me a copy.

 

On the 2/6/09 I sent a Account in Dispute letter as I had not got any CCA from them.

According to Royal Mail and their office they never received it so I resent another one on the 18/6/09 still have had no reply or any sign of my CCA.

 

What do you think I should do now.

 

They have not contacted me by phone or letter since I request this CCA.

 

This was for a Bank of Scotland Loan that was taken out in 2004 without PPI. It was sold or transferred to GE Money the same year dont knwow why as we were paying this loan faithully up until about 12 months ago when we started to get into great difficulty.

 

SO do you think the CCA will be with B oS or GE Money.

 

Then Robber Way took over the demands not sure if this was purchased by them or they are collection for GE Money.

 

Any help would be greatly appreciated.

cheers

AFW

Share this post


Link to post
Share on other sites

as long as you have proof it was delivered to rob way then that is fine,

 

wait until they contact you

 

ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites
as long as you have proof it was delivered to rob way then that is fine,

 

wait until they contact you

 

ida x

 

Hi Ida

 

Cheers for the reply I had a sneaky feeling thats what someone would maybe say, but I felt I had to be reassured. I dont like bothering you people on here unless its really necessary as you have alot of things to do yourself and for other people on here. I do appreciate it very much will keep you all posted.

 

Hope that blooming rain keeps off tonight and give us all a break of sunshine.

Have good evening. I shall be tipping your scales hope your hubby doesn't blame me for you punching him.

Cheers

AFW

Share this post


Link to post
Share on other sites

no probs,

 

ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

Hiya

 

Update on Rob Way/GE Money. Received letter from Rob Way saying they are no longer managing this account at their office all futire payments and correspodence must be sent to client. No sign of CCA could this be the reason why Robinson Way has sent it back to GE Money and do I now chase GE Money for the CCA.:confused:

Cheers

afw

Share this post


Link to post
Share on other sites

:D tends to mean they do not have the cca or they would still be chasing.

 

wait and see if GE make contact or they send to another bunch of ****.

 

Ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

wait and see if GE make contact or they send to another bunch of ****.

 

I wonder which option they will choose? :grin:


The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Share this post


Link to post
Share on other sites

Hi Folks

 

WEll seems as though you have a crystal ball Ida & Alphageek....surprise surprise received from Lewis Debt Recovery this morning a demand for this balance before 20/8/09.

How on earth can they do this. I have already paid Rob Way for the CCA which they never provided so do I have to pay Lewis Debt Recovery as well.

Any help with a letter to Lewis would be a tremendous help as the letters I tend to write go on a bit still haven't got the knack of letter writting to DCA yet!

Cheers

afw

Share this post


Link to post
Share on other sites

ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number: XXXX XXXX XXXX XXXX

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2007. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened. As **original creditor/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

I hope that this will not be necessary and an acceptable solution can be accomplished.

I would appreciate your due diligence in this matter. I look forward to hearing from you in writing.

Yours faithfully,

now fook off

AFW


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

How on earth can they do this. I have already paid Rob Way for the CCA which they never provided

 

Robbers way living up the their name again.

 

Don't forget to write to them demanding they return you £1 CCA fee and don't forget to add about £25 or so in admin/collction fees.


The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Share this post


Link to post
Share on other sites

Hi

Everyone a wee update on this thread sent Lewis the above letter (Idas post #9) then received another letter with another copy of a GE Money CCA but not the one pertaining to this account anyway they are adament that they have sent me a correct copy and are now threaten court action

which would be horrendous just now due to my husband state of health.

Can anybody out there advise me (The CCA they keep on sending is a store card account which belongs to me) The CCA that we are requesting is in both mine and hubbys name for a personal loan we took out with originally Bank of Scotland then was passed to GE Money (dont know why as this was being paid at the time) now because we couldnt pay GE money the balance it has been sent to firstly Rob Way now Lewis.

Sorry if this sounds a bit mixed up I am begining to panic nowand trying to cope with hubbys illness also.pressure is eating away at me.

Cheers

afw

Share this post


Link to post
Share on other sites

Hi afw,

 

normally would advise to send acc in dipute for failing but due to your circumstances i think you want to let them know to stall them.

 

 

Dear Lewis twits,

 

Thank you for your letter dated xx/xx/xx which was in response to my Consumer Credit Act request dated xx/xx/xx.

 

Please note that the agreement you have sent in response in to my request was for a store card account no 123456789. My Consumer Credit Act request was for an alleged loan from the Bank of Scotlad reference number xxxxxxxxxxxxxx.

 

My request still stands and as you have failed to supply any alleged agreement for ref xxxxxxxxxxx this same account is in DISPUTE and will remain so until my original request is fulfilled.

 

 

Now fook off and gee me peace

 

AFW

 

 

obviously edit to suit and spell check as i have hangover!

 

Idax


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

Ta Ida

I shall get this letter sent tomorrowand hopefully this time they will FOOK OFF AND GEE MA HEED PEACE as just now it doesn't know if its coming or going.

Many thanks for your help it is gatefully appreciated not sure where I would have been with out yourself and a few other caggers.

Is it not about time they had you on the site team.

KEEP UP THE GOOD WORK AND TAKE CARE

AFW

Share this post


Link to post
Share on other sites

no probs afw,

 

unfrtunalety these siutaions just tend to end upin a game of ping pong with letters but at least if you make them aware of their error you may get somewhere :D

 

ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

Is it not about time they had you on the site team.

 

AFW

 

did you know something i didn't :eek:

 

idax


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

Congratulations Ida nothing more than you deserve with all the help you give on here.

SPOOKY or what.....thats the 2nd thing thats happened to me in the past week or so ....saying something to someone then it happening and its very strange because I have just statred to read Archibald A. Lwarie (he's from Fife, writes about all the spooky and paranormal stuff with medium Frances Ryan from Edinburgh) book a few weeks ago(takes meages as I cant concentrate when worried and uptight).

WIl lwatch your progress shine.

Good Luck

AFW

Share this post


Link to post
Share on other sites

cheers :D

 

please tell me that i am getting a bigger house and a new car and win a substantial sum on the lottery

 

Ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

Good morning Ida (Site Team) sounds good.

 

I can tell you, your going to get a bigger hoose, new car and a win on the lottery because you deserve it.

 

However can't promise you anything can only wish you goodl uck.

 

Anyway more probs have appearded....to start from begining

 

2004 - Took out personal loan with Bank of Scotland 2004.

 

2005 -Transferred to GE Money (don't know why as was okay then) was paying GE Money monthly payments as no financial probs at the time.

 

Feb. 2007 - Started to have finacial probs, couldn't keep up payments to GE Money debt assigned to CL Finance.

 

 

Jan.08 - Transferred to Robinson Way (Paid them for months) then found this site.

 

May 2009 -CCA'd Robinson Way they couldn't produce the CCA.

 

Then Lewis Twits came on the scene demanding that we have received CCA from them,I have advised Lewis Twits (with Ida's letter in post #12 YES!!! we have received 3 different CCA from them but they are for GE Capital Store cards for me but not for the personal loan originally with BoS (cant get this through their thick skulls) for me and hubby.

 

Then yesterday received letter from a company named Howard Cohen Solicitors saying Court Action was being prepared. Want payment NOW.

 

Getting scared now and advice on next step greatly appreciated.

 

Cheers

AFW

Share this post


Link to post
Share on other sites

send HC the letter in post 9

 

ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

Hiya peeps

CCA'd Robinson Way & Co on July 7th - No sign of CCA from them also CCa'd Lewis Debt Recovery who have insisted they have sent me CCA but obviously dontknow what they are doing keep on sending me store card CCA.

Receive threatening court letter from Howard Cohen took Ida's advise and sent them letter in post 9 (to Howard Cohen)Well sent letter as advise today I received this in the post from CL Finance some kind of statement but on the back it states it does not contain all information to which I am entitled to...who is playing silly games here?.

 

I shall up load a copy for your bedtime reading. They are now starting to p**s me off (maybe thats what they are trying to do).

Any advice I do know that this statement does not represent the CCA but read the backof the statement:

 

Front Page One

Back Rear of page one

Share this post


Link to post
Share on other sites

just as an extra, have you recevied a default notice for the 'correct account'?

 

ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

Hi Ida THanksfor your reply.

 

The statement in Post #20 is the first thing I have ever received from CL Finance in connection with this account and I presumed this was in response to my CCA request to Howard Cohen who is now threatening mewith court action. I have written them with Ida's "I am rather bemused letter"

 

As for aDefault notice I do not hold one on file however at the time we defaulted I was up in the air with having my terminally ill dad staying with us and my Hubby who is not a well man so not sure of default notice.

The only other letter I have apart from demands from Robinson Way is a Notice of Assigmnment which I dont really understand as it is dated September 2008 from Lewis Debt Recovery (This is getting really confusing now.

 

1. Bank of Scotland Loan

2. Letters from GE Money wanting me to pay them seemingly transferred to them at some point.

3. Then letters from Robinson Way demanding payment. Requested CCA then they wrote saying they were no longer dealing with this loan.

4. Letters from Lewis Debt Recovery wanting payment. ALso a letter from them dated 28 September 2008 Notice of Assignment seemingly Lewis Debt Recovery is giving me notice that GE Money have by assignment dated 31st December 2007. But I was still receiving demand letter from GE Money on 14th January 2008 so how could this have been assigned on 31st December 2009 (not sure really what I am talking about assignment but why dates 31st December 2007 on assignment and then letters from GE Money dated 14th January 2009. Please can you help me my mind is pickle right now.

 

I shall post up the Notice of Assignment that I received from Lewis Debt Recovery.

 

Notice of Assignment

 

AsI have said before Lewis Debt Recovery are adament they have sent me a copy of the CCA but haven't

Any help would be greatly appreciated.

Cheers

AFW

Share this post


Link to post
Share on other sites

ok so howard cohen have not responded to the letter direct apart from sending statement?

 

 

to be honest there is not much you can do at this stage - just keep copies of all letters sent to and from- just incase - you have done all you can to show the shower of muppets that the have set you the wrong cca - which maybe them trying it on which is a big no no.

 

ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

Hiya Ida.

 

Will sit and wait it out for a few weeks and see if anything comes of it.

 

By the way like the new Aviator but I liked the smurf too.

 

Cheers

AFW

Edited by 24233513afw
Blooming space bar sticking need anew one!!!!

Share this post


Link to post
Share on other sites

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...