Jump to content


  • Tweets

  • Posts

    • Thank you all for your help/advice/responses.   I saw the car briefly yesterday - Unfortunately while I test drive cars properly on any normal day, the dealer had a number of covid-era rules and one of them was a max 15 min drive.  From the 15 mins, the car seemed fine and still has 6 months original manufacturing warranty so I'm fairly safe.  Body/interior was also fine - I accepted the car BUT...   Today I was told the balance after the part-ex (car) + the £99 deposit (credit card) can only be payable via BACS and not card.  They (Sytner group) have a £2000 limit by chip and pin.  I vaguely remember this with my current car but while they were happy to BACS on the day, Sytner need it 2 days before/latest day before.   In response to Homer67 - is this the case? Am I being silly going for BACS or is this normal practice now?  I doubt Sytner will be folding anytime soon so no real risk of the money going into a dark hole ( I hope)
    • Ok, so do you think court will be sending me a letter next for my statement?
    • I'm sure we can help you – I don't really understand the full story and I'm afraid that I still need to ask you to set it all out in a bullet pointed fashion without too much narrative. Looks to me as if you had two fridges and you've been let down and both of them and fobbed off on each one for some reason or other. You suffered losses including loss of food and you seem generally to have been mucked around. However, you need to tell us the story concisely. It seems that there are two stories so why don't you post one story about the first freezer and what happened and then post the second one. It may well be that we can help you recover compensation in respect of both of them.
    • well it looks like people are wrong here and i am confused as why i took so long to get a simple answer (and just beating around the bush) and as per PP they normally cancel on first appeal when challange.....   From PP forum   9 (2) (a) No period of parking. Moving in front of a camera, by definition, is not parking. 9 (2) (e) Invitation to keeper is not there in the required format 9 (2) (f) Notice of keeper liability is incorrect. Here's POFA: https://www.legislation.gov.uk/ukpga/2012/9...edule/4/enacted Dear Sirs, I have just received your Notice to Keeper No. xxxxx for vehicle VRM xxxx You have failed to comply with the requirements of Schedule 4 of The Protection Of Freedoms Act 2012 namely, but not limited to, failing to give notice of keeper liability as prescribed by section 9 (2) (f) of the Act. You cannot, therefore, transfer liability for the alleged charge from the driver at the time to me, the keeper. There is no legal requirement to name the driver at the time and I will not be doing so. I do not expect to hear from you again, or your debt collectors, except to confirm that no further action will be taken on this matter and my personal details have been removed from your records. Yours etc First class post with free certificate of posting from a post office. The other POFA fails will go into the POFA appeal if required.
    • you cant raise a section 75 against a retail, you have no credit agreement with them under the said Consumer Credit Act 
  • Our picks

Sainsburys CC-Robinson Way and now Westcot!


Please note that this topic has not had any new posts for the last 3466 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

Received a demand from Robinson Way & Co with reference to my Sainsburys credit card.

This card is part of a CCCS Debt Management Plan, I owe (with charges) around £2300 on the card and £8000 in total.

 

I had a telephone call from the DCA (Robinson Way) asking me to pay the full debt at once, I explained that it was part of a management plan and was told that "they'll look into it and contact me" This was the first I knew that the debt had been passed to them.

 

About 6 weeks later I then received a final demand from them (the DCA) and now Sainsburys won't talk to me, referring me to the DCA instead.

 

I then sent a letter to the DCA, asking for copy of my credit agreement under the Consumer Credit Act 1974 enclosing a PO for £1.

 

This PO was returned along with a compliment slip explaining " We have requested the info you require and have sent a separate letter explaining our process."

 

What does this mean and what to do next?

 

I am annoyed at my treatment, I have tried to service all my debts as best I can and feel that Sainsburys have not even tried to make any allowance for my situation.

 

Thanks in advance.

 

Andy

Link to post
Share on other sites

Send the fools this....

 

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I/we look forward to your reply.

 

PRINT NAME DO NOT SIGN

 

 

(Also - refuse to answer security questions if they ring)

Link to post
Share on other sites
  • 1 month later...

Tried Mr.TONs letter and Robinson Way replied "account on hold and a copy agreement requested", this was on 05/10 about a week after I sent Mr.TONs letter.

 

Along with this reply, was a statement of insolvency for a group of companies called London Scottish (bank, computer, finance, etc.).

 

Are London Scottish anything to do with Bank of Scotland who operate the Sainsbury’s bank? Or is Robinson Way part of this group?

 

Still haven't received a copy of my credit agreement, just a letter saying the account is on hold and that Robinson are still waiting for Sainsbury’s to pass the agreement to them!

 

It's now 6 weeks since my first request for a copy of my agreement and all I've had is a further "still waiting" letter a week ago

 

Meanwhile I'm still paying the amount agreed under my Debt Management Plan to Sainsbury’s, should I stop this payment because my account is now "on hold"!

 

Suggestions please.

 

Thanks.

Link to post
Share on other sites

There is simply no proof of this debt, so i dont know why you are still paying.

They've had their 12+2 days & their time is up = no excuses.

They are now in default.

Report them to the OFT & trading standards.

Link to post
Share on other sites
Are London Scottish anything to do with Bank of Scotland who operate the Sainsbury’s bank? Or is Robinson Way part of this group?

Deals/Restructuring  /  Robinson Way sale fetched £73m THEBUSINESSDESK.COM

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

send then this

Address

 

Date

 

Dear Sir/Madam

 

I refer to your letter dated (date) in which you confirm that you are unable to comply with my formal request pursuant to s.78(1) of the Consumer Credit Act 1974.

 

I note that the Credit Services Association, in the first paragraph of its Code, state that members must act lawfully at all times. Furthermore, under the CPUTR 2008 failing to comply with a code of conduct to which you have subscribed is unfair trading.

 

In the circumstances, I will not enter into further correspondence with you, and any further unlawful demands or contact will be viewed as harassment and reported to the appropriate enforcement agency.

 

Finally, as you have failed to comply with my request, I require you to return the £1.00 fee without delay.

Edited by lilly white

Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

Link to post
Share on other sites

Thanks and very interesting.

 

So my debt may have been sold twice, once to Robinson as part of London Scottish and then to the people who brought Robinson?

 

Will send the letter, have already received my £1 postal order back, it was in the first “we are waiting for the agreement copy” letter!

 

And will stop paying.

 

Thanks once again

 

Andy

Link to post
Share on other sites
  • 2 weeks later...

Thanks to everyone who advised, Robinson still haven't given up though!

 

A copy of my credit agreement arrived today (06/11) along with a letter asking me make a "proposal for settlement" of my account.

 

This is about a month and a half after my original request, interestingly, it's not signed or dated by Sainsbury’s bank!

 

Is it a valid agreement and what to do next? Tell Robinson "no CA in time, no agreement"?

 

Thanks

Link to post
Share on other sites

Can you post it up after removing identifying details?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

Upload them to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting & copy & paste the URLs back here.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites
  • 3 months later...

Robinson Way seem to have gone away, http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/221487-newbie-needs-advice-dca.html for the thread.

 

Have now got Westcot onto me!

 

Had the standard notice of debt collection from Westcot, so set them a CCA request, they've just replied " We are not the creditor for this account but instructed on behalf of the above client (Sainsburys)" and they have returned my £1.00, stating that it needs to be payable to Sainsburys and have placed my account on hold for 14 days.

 

What next?

 

Do I take their word that they have Sainsburys authority to collect this debt, or should I contact Robinson Way, in case Westcot is stealing their business?:rolleyes:

Should I resend the CCA with the correct payee (Sainsburys)? or a go away letter?

 

Thanks for your help and I must say that after all the times people like Westcot and Robinson Way have scared friends and family, it's fun biting back a little!:D

Link to post
Share on other sites

yes 12+2 days from when you sent the CCA

PGH7447

 

 

Getting There Slowly

---------

 

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

Link to post
Share on other sites

no 12+2 days from when you sent that is why they have the extra 2 days postage

PGH7447

 

 

Getting There Slowly

---------

 

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

Link to post
Share on other sites
  • 2 months later...

Need some advice about this please, about 2 weeks ago I received a letter from Westcot offering " the opportunity to make a reduced settlement"!

 

I've ignored this letter, think it may be an attempt to get me admit that I owe them money.

 

However a few days ago a copy of my CCA tuned up, it's exactly the same one that Robinson & Way sent. (see here) http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/221487-newbie-needs-advice-dca.html

Is this a valid stand up in court CCA?

 

What should I do? Try for a reduced settlement? I believe that the CCA isn't valid, that's why Robinson passed it over to Westcot.

 

Advice and moral support please!

Link to post
Share on other sites

any offer of a reduced settlement in my opinion is the last act of desperation on a dept they know they are unlikely to be able to enforce and may soon be statute barred

 

thats just the way my DCAs have acted as the SB deadline looms

Link to post
Share on other sites

That's my gut feeling too, Robinson & Way unloaded the debt onto Westcot after I asked for a DCA and Westcot have just sent me the same info (even later!), that didn't work for Robinson & Way!

 

Still a bit scary though!

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...