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chrisgc1977

Robinson Way or Horwich Farrelly

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Hi all,

 

I recently sent off a £1 postal order to robinson way (27th July 09), with the template letter for requesting a copy of my cca from them within 12 days.

 

They replied to me RETURNING my £1 postal order along with a compliment slip saying the following:

 

"As this is a catalogue debt, there is no copy agreement. Please find attached your returned postal order.

As you HAVE made several payment towards this debt, you are liable. Contact our offices to arrange payment".

 

My question is is this right - I have requested info from them yet they are saying there is not one and that as I have made payments in past i am liable.

 

Can someone tell me if this is right or not or do I just go onto send them the next letter saying its an unenforcable debt as they have not supplied a cca.

 

Just cos I have made a payment in the past it cant surely mean that it automatically makes something legal and enforcable - can it?

 

Your answere would be much appreciated.

 

Regards

Chris

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If it is a monthly payment / credit account then it WILL be governed by the Consumer Credit Act which one if I may ask ?


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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If I remember rightly it was something like littlewoods or a great universal catalogue account and it was going back about 4 years ago.

 

Does this shed any more light at all?

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Have you tried sending a SAR to the original creditor ?


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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So, was the communication from Robinson Way or, Horrible Farrelly?

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