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    • I got a letter saying the police have not received my form, license that I had to send off for 3 points, I have paid the £100 aswell, I sent the license off and form, on the 12th of November, and it got there on the 15th of November, it was signed by the court and it was photographed, for proof..   The letter states I have  an extra 7 days to send it in.. received the letter on the 24th of November...   what happens next? I cannot phone the number on the letter until Monday, its a Monday-Friday helpline...   The last thing  I want is them at my door for arrest, or even banning me from driving...
    • 3rd Try   STATEMENT OF  I Mr will say as follows:    INTRODUCTION  1: I am the defendant and state that the facts contained in this statement are true to the best of my knowledge.   2: There are several documents attached with this statement. (paginated)   3: The agreement was later assigned to the claimant on 29/09/2017 a notice of assignment, incorrectly dated (See Exhibit 1) was sent to the defendant. It is my understanding that the claimant is an Assignee, a buyer of defunct, disputed or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed ...10p to 15p in the £1 and which the original creditors have already wrote off as a capital loss and claimed against taxable income. The claimant then issues on mass claims to circumvent and claim the full amount of debt to maximise profit.   4: As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   BACKGROUND   5: The Claim relates to an Alleged Credit card agreement between the defendant and Vanquis bank.   6: Whilst it is accepted that the defendant has in the past had contractual dealings with Vanquis, the defendant is unaware of what alleged debt the claimant refers.   7: The defendant has requested on numerous times a copy of the CCA, the first time, claimant has replied back on 23/11/2020 (Exhibit 1) with a copy of the agreement and notice of assignment, the agreement being a printed out application form, followed by my another letter containing statements(not enclosed). Defendant then again requested on the 07/12/2020 (see letter attached Exhibit 2) a copy of the CCA, claimant has replied back on the 28th Jan 2021 claiming that the evidence enclosed rebuts defendants defence and encloses a statement and default notice. (Exhibit 3) 8: The defendant stated in his defence that no evidence of the CCA has been provided. 9. The alleged account is £less that £200 over the credit limit but the default notice states that the arrears on the account is £200. Under section  87/88 of the CCA the default notice should not include unlawful fees in it sum requested. 10. The defendant sent a Subject Access Request letter dated 30/11/2021, on writing this witness statement nothing has been received.   DEFENCE:   11: The claimant has not provided a true copy of the CCA despite numerous requests being made firstly in September and secondly on the 07/12/2020 in response to claim despite stating in the letter dated 23rd October 2020 `please find enclosed a copy of the agreement. Should the claimant magically supply some form of CCA at trial, defendant would highlight why this wasn't provided, when requested, on numerous times before trial. Defendant would then highly stress to the court that this is indeed not the true copy of the executed Credit agreement.   12: There is no valid copy of an executed consumer credit agreement that complies with the CCA1974   13: The `so called ` copy of agreement stated in claimants letter dated 23/11/2020 is in fact stated as an online application and is no more than a log from either the OC`s operating system or one that has been constructed since with details from the account to look like an application. 14. The notice of assignment dated 11th May 2017 (Exhibit 1) states that the debt was sold to Lowell Portfolio I Ltd on the 29th September 2017. This is confirmed in 2 separate letters. One from Vanquis and the other from Lowell Portfolio I Ltd. Section 82A of the CCA 1974 states that the assignee must arrange for notice of the assignment to given to debtor. The above letters show that the notice of assignment has incorrect dates, thus rendering the notice of assignment invalid and thus the claimant has not acquired the debt correctly and thus cannot claim.   IN CONCLUSION:   15: Without a valid true copy of the executed Credit agreement that complies with the CCA1974 the claimant has no grounds on which to enforce this alleged debt and has in fact attempted to mislead the courts in to believing that they have the necessary paperwork.   16: The incorrect dated Notice of Assignments letters questions the ability of the claimant to maintain correct paperwork and thus the defendant is unsure what paperwork supplied is correct.   17: It is therefore requested that the Claimants Claim is struck out pursuant to the above.   Signed  Dated this day…….      Could you check out this part   "14. The notice of assignment dated 11th May 2017 (Exhibit 1) states that the debt was sold to Lowell Portfolio I Ltd on the 29th September 2017. This is confirmed in 2 separate letters. One from Vanquis and the other from Lowell Portfolio I Ltd. Section 82A of the CCA 1974 states that the assignee must arrange for notice of the assignment to given to debtor. The above letters show that the notice of assignment has incorrect dates, thus rendering the notice of assignment invalid and thus the claimant has not acquired the debt correctly and thus cannot claim."
    • Please fill out our court claim sticky on this forums homepage.   Dx
    • My site team colleague @FTMDave has now gone through the entire thread – or 238 posts across 10 pages. He agrees that on your first judgement you have claimed too much because you have included the entire cost of producing the rear patio when in fact you have only paid a deposit. Whereas your judgement is for almost £3000, your claim should have been:       And instead you claimed £2905 and got a judgement for that figure and for which you have just instructed the sheriffs.   Firstly, this clearly is an unjust result because as shoddy and as brutal as they appear to have been, the judgement should only have been for £795. Secondly, when you began the claim, you paid fees calculated on a claim of £2905 but the true claim fee should have been calculated on a claim of £785. This means that not only have you claimed too much in terms of damages but also you have incurred claim fees which were unnecessarily high. In my view this matter needs to be addressed and frankly I think the first thing you should do is that you should contact the sheriffs on Monday and tell them there has been an error and tell them to suspend the enforcement. After that I'm not too sure how to proceed and I have asked my site team colleague @Andyorch for his view about it. On the second claim, you were about to make the same error – but by a far more serious margin. In fact your margin of error was going to take you off the small claims track onto the fast track. Of course none of this has been helped by the failure of Lords to engage with the claim at all. However, the fact that they didn't mount a defence doesn't mean that you were entitled to the judgement which you sought.
    • Hi ref post #176 posted doc, I notice that no date is shown for hearing fee to be paid by? Is this usual for a phone hearing, given current circumstances? Working through lots of success and other posts re witness statements, not easy, "one size does not fit all", will hopefully post tomorrow Sunday. Thanks
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Arghh - Robinson Way seeks new licence - 06/08/2009


PGH7447
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Credit Today online

 

Robinson Way seeks new licence - 06/08/2009

 

The directors of debt buyer and collections specialist Robinson Way are seeking a new consumer credit licence to enable a proposed management buy out to go ahead.

 

Managing director Graham Prosser and director Bill Murray have in principle agreed a deal to buy the business and assets of Robinson Way from parent London Scottish Bank. The company remains outside the administration of London Scottish, which is being handled by Ernst & Young. The deal includes around £500m face value of purchased debt.

 

----------

 

etc etc etc

 

Hope they fail to get a new licence - take note OFT these are **** and should not be allowed a licence

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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No mention as of yet on the OFT Public Register?

 

CCA Search :: CCA Search Results :: Licence Details

 

 

Application / Licence Details

Licence Number:0000400Licence Status:Current

Current Applicant / Licensee:

Business Name Company Registration Number

Robinson, Way & Company Limited 885896

 

Categories:

Consumer credit

Credit brokerage

Debt adjusting/counselling

Debt collecting

 

Right To Canvass Off Trade Premises:Yes

Trading Name(s) (Current):

Chase Solutions

Debt Healers

Express Debt Collecting Services

 

Trading Name(s) (Historic):

Highland Solutions

Hyland Solutions

Hyland Solutions

 

Issued Date: 04-Nov-1976 Expiry Date: 07-Dec-2011

Legal Formation:

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

Name Position

frank Dyson OFFICER

Graham Prosser

Patrick Francis McDonnell OFFICER

Robin James Ashton

Roy Reece OFFICER

William Grant Murray OFFICER

 

Historic Individuals that run the organisation:

Name Position

Alan Frederick Toogood OFFICER

Jack Livingstone OFFICER

John Norman Ricketts OFFICER

John Owen Needham OFFICER

Mark Albert Tattersall OFFICER

Martin Graham West OFFICER

Mr Edward William John Taylor OFFICER

Mr Alan Frederick Toogood OFFICER

Mr Brian Goodall OFFICER

Mr Charles William White Dupont OFFICER

Mr J Livingstone OFFICER

Mr J Tomlinson OFFICER

Mr John Tomlinson OFFICER

Mr Joseph Grimes OFFICER

Mr L Duckworth OFFICER

Mr M G West OFFICER

Mr N Copson OFFICER

Mr Neil Copson OFFICER

Mr Norman Lathey OFFICER

Mr R L Arundale OFFICER

Mr Vincent O'Brien OFFICER

Mrs May Goodall OFFICER

 

Nature of Business:

Credit Brokers

 

Current Address(es):

Address Type Address

Correspondence 201, Deansgate, MANCHESTER, M3 3NW, United Kingdom

Principal Place Of Business London Scottish House, Carolina Way, SALFORD, Lancashire, M50 2ZY, United Kingdom

Registered Office 201, Deansgate, MANCHESTER, Lancashire, M3 3NW, United Kingdom

 

Historic Address(es):

Address Type Address

Correspondence London Scottish House 24, Mount Street, Manchester, M2 3LS

Principal Place Of Business 79, Moseley St, Manchester

Principal Place Of Business Arndale House Arndale Centre, ., Manchester, M4 3AQ

Principal Place Of Business Arndale House, Arndale Centre, Manchester, M4 3AQ

Principal Place Of Business Carolina Way, SALFORD, M50 2ZY, United Kingdom

Principal Place Of Business Speakers House 39, Deansgate, Manchester, M3 2BA

Registered Office Arndale House, Arndale Centre, Manchester, M4 3AQ

Registered Office London Scottish House 24, Mount Street, Manchester, M2 3LS"

 

I have a friend who has been battling with RW for over two years now;

RW employ very covert tactics!

 

Letter of complaint going off to the OFT.

 

Please send as many complaints as possible;

we ALL know what they have been up to.

 

AC

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safeguard 250 jobs, everyone knows what happens on a buyout, the first thing is to cut costs so half the threatmonkeys will be given a banana and sent home, should up the CAG membership by a few dozen

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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safeguard 250 jobs, everyone knows what happens on a buyout, the first thing is to cut costs so half the threatmonkeys will be given a banana and sent home, should up the CAG membership by a few dozen

 

I guess that they will be granted their licence then?

 

Unless, the consumer complains about the Bad Business Practices employed by Robinson Way!

 

AC

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  • 4 weeks later...

When these people were after me , they did not care one iota about any kind of rules . Even after they got statute barred letters they would still not desist . Even after lodging a complaint with the OFT , still nothing would dissuade them . Times I tried to tell them of the futility of it all , no, they would not hear of it . Onwards they pressed , there was no intelligence in there to realize there was no money to be had out of me . I think that is one of their directives , to ignore statute barred letters , from what I have seen . I believe they think that there must be a certain percentage that will accept their ' we sent you a letter a month ago and therefore do not accept this debt is statute barred ' as bona fide reason to carry on their pursuit of these old debts . Shocking really , that a known perpetrator of such dubious methods and practices are allowed to continue without further intrinsic regulation or stipulations .

 

But you know , even if you make clear to them you know it is statute barred and are aware of the laws regarding this kind of debt , you would expect them to give up , after a SB letter , you would think they would realize there is no money to be made here . But they don't , they will carry on with the same gusto to retrieve a payment as if you just signed the agreement yesterday .

Edited by Drexl Spivey
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Anyone and everyone who has been affected by the RW Unfair Business Practices must, report Robinson Way to the OFT!

No matter, if you have made a complaint prior, complain again.

 

If you do not, they will be granted their new CCA licence.

 

Robinson Way, need to have their wings clipped!

 

AC

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I think it was the only profitable asset london scottish bank owned . I don't know what they were paying these telephone operators , but there wasn't a great deal of investment in elocution lessons . It was some kind of odd guttural manc , salford accent , horrible to the ear .

Edited by Drexl Spivey
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I tell you who they reminded me of . Remember that monty python film where the knight kept coming back after having a leg chopped off , then another , they were like that .

 

I mean, they weren't even trying to make out I had made any payment on this account , that was about 14 years old and last made payment on in 1998 , they were adamant that the fact they sent me a recent letter made it non statute barred . It was all very surreal . They wouldn't let go of this false pretense no matter what legislature they were shown . I ended up with making a complaint against their complaints and compliance department who were the originators of all the disinformation .

Edited by Drexl Spivey
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Imagine how tortuous it will be for Robinson Way to fill out this form :

 

http://www.oft.gov.uk/shared_oft/business_leaflets/credit_licences/CCP1.pdf

 

Look at some of the questions they are going to be most loathe to answer :

 

3. Who will have responsibility for ensuring the compliance of

your business with the Consumer Credit Act 1974, other relevant

legislation and OFT Guidance? Please give his/her name and

contact details.

 

4. If applicable, please provide details of any relevant training,

experience and/or qualifications of the person named in

question 3 in order to demonstrate his/her suitability to carry

out these duties

 

5. Please state whether the person responsible for compliance

will report directly to the board of directors, or any other senior

manager/officer, and provide details

 

6. How do you and/or relevant employees intend to keep up to date

with changes in relevant UK legislation and OFT Guidance?

 

10. Will you have a documented compliance strategy or any other

controls in place to ensure compliance of your business with the

Consumer Credit Act 1974 and associated Regulations, other

relevant consumer protection legislation and OFT Guidance?

 

11. Please describe briefly how the compliance strategy operates or

will operate within your organisation

 

12. Please supply details of the monitoring processes you have, or

will put in place, to ensure compliance with relevant UK

legislation and/or OFT Guidance:

 

14. What disciplinary or other action will be taken if your employees

breach company procedures on compliance with relevant UK

legislation and/or OFT Guidance?

 

16. Please summarise the systems you will have in place to ensure

the appropriate handling of debtor complaints and confirm that

your complaints handling conforms to the requirements of the

FOS rules.

 

18. Describe the monitoring processes that will be in place to

ensure that your employees comply with your complaints

handling procedures:

 

26. How will you seek to ensure that your consumer contracts comply

with all applicable relevant consumer protection legislation – for

example, the Consumer Credit Act 1974 and the Unfair Terms in

Consumer Contracts Regulations 1999?

 

33. Please describe the procedures you will have in place to ensure

compliance with the OFT Debt Collection Guidance:

 

40. Please describe your procedures for dealing with disputed debts?

Please explain any policy for accepting payments from consumers

who are disputing liability for a debt

 

41. Do you have systems in place to ensure that you do not collect

statute barred debt?

 

----

 

And so on.

 

 

Someone at robinson way is going to have to draw a short straw at being selected to answer those type of questions.

 

---------

 

Best bit is at the end :

 

I understand that:

• It is an offence to knowingly or recklessly give any false or misleading

information to the Office of Fair Trading.

• If I give false or misleading information:

– My licence may be refused

– Any licence that is issued may be revoked at a later date

I might be prosecuted.

Edited by Drexl Spivey
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I would imagine an answer to this question being (in my own words and based on my own experience with this company

 

14. What disciplinary or other action will be taken if your employees

breach company procedures on compliance with relevant UK

legislation and/or OFT Guidance?

 

We do not employ staff directly, the disiplinary issues are dealt with by an external source as their employng body and the outsourced staff are acting as our agents... we do not understand the second part of this question and are seeking legal clarification on "compliance with relevant UK legislation and/or OFT Guidance?" and how it fits our business model.

 

Purely imaginary of course - especially after listening to one of their more senior puppets...

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Of course No 18 would have a similar answer

 

18. Describe the monitoring processes that will be in place to

ensure that your employees comply with your complaints

handling procedures:

 

We do not have any monitoring in place as we do not have any directly employed staff - therefore the complaints handling process is an outsourced operation and we have no liability for its accuracy or purpose.

 

Again based on my own experience with this company......

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They'll have to employ someone who can read first and buy a new set of crayons :rolleyes::D

"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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In My Local Private Employment Agency, There Is Still An Advert To Work At Dlc

 

16000 + Commision

 

Been There Over A Year

 

Must Be To Takers

 

Same Old Story

Its

If The Company Gets Its Wrists Slapped, Not Me Guv, Only Agency Staff

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Question: 41. Do you have systems in place to ensure that you do not collect statute barred debt?

 

Answer .

 

We at Robinson Way do not accept the concept of 'statute barred' and will pursue such debts as vigorously as any other on our book . We feel the laws regarding these kinds of debts do not apply to Robinson Way and therefore we reserve the right to disregard them as we see fit . The laws stated within the statute of limitations are at odds with the guidelines we have produced in our compliance department regarding similar debt and are therefore disregarded so as to avoid conflicting directives.

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Question 33 next.... 33. Please describe the procedures you will have in place to ensure compliance with the OFT Debt Collection Guidance:

 

We do not understand this question at all - please can we have more information and dates/times of the guidance which has been produced, the name of the regulatory authority and the dates this alleged legislation came into effect....

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Question : 4. If applicable, please provide details of any relevant training,

experience and/or qualifications of the person named in

question 3 in order to demonstrate his/her suitability to carry

out these duties

 

Answer :

 

Here at Robinson way, we are experts in the field of consumer credit and we ensure that every member of the youth training scheme that are responsible for queries on legislature and the cca have a minimum of one GCSE between them .

Edited by Drexl Spivey
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I would suspect , that any Robinson way employee putting their signature to such a document , would be akin to somebody being asked to vouch for the legality and authenticity of Arthur Daley's lock up warehouse . And would be subsequently guilty of many visits to the khazi , when the auditors come visiting .

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