lots of card debt - help

[silverfox1961]

Robinson Way choose not to take the £1. Remember they are a regulated company and they are not looking for holes in the system to exploit so will provide the agreement if it is available. Hopefully they will provide the agreement and you will have to find either a new excuse or pay up!

 

 

please come back, we haven't had a good old troll bait in ages

[thetruthteller]

I am just making a point. I am trying to deal with my debts and it appears that most people on this site seem to think of ways to exploit regulations to avoid repayment. I prefer Martin Lewis's site as people are honest about their situation and genuine grievances about debt companies are discussed not myths regarding CCA requests.

[debt4get]

if you prefer mr lewis' site then i respectfully suggest you post there...no one on this site advocates not paying their debts... we are more interested in getting dca's to comply with the same laws we are subject to

[debt4get]

i find that really strange as i have just visited mr lewis' site and found exactly the same thing there perhaps you would like the link

Unenforceability & Template Letters II - MoneySavingExpert.com Forums

[eastender100]

You always get one who thinks there different from everybody else, perhaps they have'nt had the privaledge of what dcas are really like!

 

P.S thanks to everyone else who answered to this person.

[paul01609]

may be worked for the dca and have now lost his job because of us not paying and he needs advice now lol

[PGH7447]

Robinson Way choose not to take the £1. Remember they are a regulated company they should abide by the regulations then and they are not looking for holes in the system to exploit Really so will provide the agreement if it is available. Hopefully they will provide the agreement and you will have to find either a new excuse or pay up! I would sooner be taken to court than pay robbingscum way anything

 

TROLL,

[eastender100]

Yes I agree.

[marie6666red]

Troll........

[eastender100]

Hi, hope someone can help with this or have any info, ive now been sent this by email, don't know what its from or what debt it could be from as had no one informing me its been passed on. So any advice would be good.

 

 

Please let us know if you would like us to write to you at a different email address.

 

This is an urgent message from BCW.

 

We have been attempting to contact you as we require to speak with you as soon as possible.

 

Could you please contact us on 0844 571 4044 quoting this unique reference number ********* or alternatively reply to this email with a contact telephone number and we will arrange for someone to contact you urgently.

 

Thank you

 

 

BCW

[renegadeimp]

Ignore. Its a phishing attempt. One they aren't allowed to do.

[eastender100]

Really!! omg they addressed me by my full name etc, so thought it could be genuine, I sent them a email back saying first they need to identify themselves as to what it is about, also I WONT be supplying them with a contact number and only to contact me by email.

[unclebulgaria67]

You have probably given your email address at some point when arranging some financial product and they have managed to get hold of it. But for some reason, they don't have your current residential address or telephone number.

 

If you ever update your details with a Bank or any other company who link up to the credit reference agencies, then your new address will be available to debt companies. So they will chase you eventually.

 

If you have any debts left behind from when you were at a previous address, it would be sensible to deal with them when you can. It is possible for companies to obtain CCJ's using your last known UK address. Once you have CCJ's on record, it can cause problems applying for financial products e.g mortgages, Bank accounts, renting properties or for certain jobs.

[citizenB]

This is likely just a phishing email. Ignore it until such times as they write to your physical address - if indeed you are the person they are looking for.

 

Put their email address on your block/spam/junk list so it wont come into your inbox again.

 

Check your credit files to ensure there is no adverse reporting being done

[eastender100]

Thank you for your replies, I thought if a company was going to give it to a debt agency they had to inform you first and I haven't had nothing saying about this company?

[WindySock]

If there is a genuine debt they know or think you owe they would write. Anything else is phish and to be ignored.

[eastender100]

Hi, the only ones I know about are being dealt with, but if its something else I thought the company itself would write and inform you that it has been passed over?

[unclebulgaria67]

Hi, the only ones I know about are being dealt with, but if its something else I thought the company itself would write and inform you that it has been passed over?

 

Yes, if the debt is legally assigned. BCW do chase debts on behalf of companies and this may be the case.

 

As has been said, wait for BCW to contact you with more details.

[eastender100]

hi, how would you know if its been legally assigned?

[WindySock]

You would be sent a notice of assignment. Could be sent to an old address though if that is all they had at the time.

 

BCW are usually scavengers and chancers working on behalf of someone else though.

[eastender100]

Hi, here's a update on BCW I got in my spam folder today, they are not even addressing me by my name?

 

 

Dear Sir/Madam,

 

Thank you for your email, the contents of which have been duly noted.

 

For security reasons, please confirm your full address **(previous/current)** and date of birth to enable us to assist you further via email.

 

Alternatively if you wish to discuss the matter over the phone, please contact us on 0844 472 3917.

 

Kind Regards

Administration Department

[WindySock]

More smelly phish

 

Keep an eye on your credit file to make nothing nasty has been put on those, but if they wont tell you what its about then they can just shove off.