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    • Thank you for the letter, that makes things a lot clearer. So it's a statutory demand rather than self-certifying. See what @Man in the middle thinks but to me, it seems as if the lawyer has a good strategy and seems to have covered all the bases. Although MitM thought you didn't need a lawyer, is s/he going to be at court wit you? HB  
    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
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John V Natwest/ moorecroft/ Robinson way - Urgent help needed


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Hi

 

I got a story and a half and need urgent help. On the 6th July i sent a CCA request to moorecroft which they sent a letter back 5 days later with my £1 postal order attached telling me they that they are no longer managing the account and to contact natwest directly. on the same day i got the letter robinson way contacted me via phone demanding payment i told them the account was in dispute i then got a letter off robinson way dated 12/07/2009 telling me the account is on hold as they are requesting the credit agreement or statement to verify i am liable to pay the amount due. what should i do now. they have not replied since then how long before i can challange this to be removed from my credit file

 

Thanks John

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hi John,

I wouldn't worry. It sounds like they have no cca.

personally i'd cca request robinscum way just to be on the safe side.

DO NOT SIGN the request. Also send it by recorded delivery.

if they cannot provide a signed cca then they cannot enforce!!!!

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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Hi

 

Today i got a letter from robinson & way telling me that they are no longer Managing the account and that all future payments and correspondence must be sent to the client directly

 

What should i do now

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nothing!!!!

its obvious they have no cca and cannot prove you owe them anything

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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i'm not sure you can get defaults removed. I'm sure someone will be along soon to tell you either way

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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  • 3 months later...

Hello

 

I use the template letter off this website to advise them that the legal time frame was in dispute (that advises them to remove all data from there systems ect). I am going back to work and decided open a business and got declined for the business bank account, when i checked my credit report it still shows everything and i contcated to ask why and they have demanded i start the process again direct with them, they still tell me my account is with robson and way but i have a letter dated 12/08/2009 tell me they are no longer dealing with it

 

Regards

John

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  • 2 weeks later...

I can't comment on whether the interest is correct as I've yet to discover how those calculator thingys work, but other than that the bad news is that it appears enforceable - all the prescribed terms are there.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Whilst they hadn't complied they weren't allowed to enforce but now that they have, it's put everything right again.

Did they send a statement of account as well? Are there any charges you might be able to reclaim?

You should probably get some other opinions to confirm the agreement is enforceable.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 1 month later...

Hi

 

I got a letter of robinson & way just before christmas saying they are no longer dealing with the account, the letter had my account name and account number on but were it says balance it had 0.00 would that mean anything ?

 

John

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Not really, unless NatWest send it back to RW and they start chasing you again. At that point you could always send them a copy of their letter saying you owe 0 and see what they do.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Hi

 

I got a letter and phone call from wescot demanding full payment i advised them i have a letter saying i owe 0 and they are demanding the original letter to be posted to them.

 

What should i do now

 

Thanks all

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Hi

 

I got a letter and phone call from wescot demanding full payment i advised them i have a letter saying i owe 0 and they are demanding the original letter to be posted to them.

 

What should i do now

 

Thanks all

Send a copy, not the original.

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the agreement posted earlier does in fact look enforceable.......sorry

 

BUT you must have had a default notice........Ive never known RBS or NATWEST to get one right yet.

 

If you do have one post it up

 

and have a look here.....> http://www.consumeractiongroup.co.uk/forum/general-debt-issues/208663-tale-dodgy-dn-further.html

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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well......its the strangest default notice I have seen, but it looks compliant and the date is right........ASSUMING that they posted 1st class

 

do you have the envelope ???

 

if you follow the thread on the link I posted I think that you will find that banks "usually" post via UKMAIL or TNT which is deemed 2nd class

 

service of official documents is deemed to be on the 2nd WORKING day after posting for first class or on the fourth WORKING day after posting for second class

 

so if posted on the 1st Jan 2010 by first class it would be deemed served on the 5th then you need 14 clear days so the date to rectify would be 19th. on the 20th you would be in default

 

just to confuse the issue further....if the year had been 2008 and posted on 1st Jan then it would be served on the 3rd and the date to rectify by would be 17th and in default by 18th

 

ASSUMING 1st class post

 

read that thread......

 

hope this helps

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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