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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
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    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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What to do with Robinson Way!


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Hi all

 

I hope you can help.

 

Robinson Way have filed a default against what was originally a Next Directory Debt. This debt is satisfied and has been for some time.

 

I do not ever recollect having received a default notice. Nether Robinson Way or Next hold a CCA for this account. Therefore could I not challenge their rights to hold and distribute the information?

 

Several unhelpful responses were banded about by them back in 2009 one of which is shown below.

LondonScot.jpg

 

Incendently the cra's show it as london scottish but the responses have come from the lovely robinson way.

 

Can I file in court to force them to stop disseminating my data without permission - and how do I go about it - or is it not that simple?

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sorry what are you trying to do?

get a recent default removed?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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is it a default or an 8 on the cra file?

 

how long after your last fin in/out was the default put on and by whom?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Robinson Way are the hired hounds section of London Scottish, they're all in the same 'group'

 

They were until the management buy out - are they still related?

 

I thought the bank bit went t*ts up?

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Its definately listed as a default. I'm not sure who put it there - I can only assume it was London Scottish? Thats what it is listed as.

 

Sorry I am just reading that letter again - which states that the default was 2005 and the payment was 2007. Still i'd rather not wait another 16 months for it to drop off - esp as I dont like people holding on to my data when they do not have permission to do so.

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They were until the management buy out - are they still related?

 

I thought the bank bit went t*ts up?

 

 

Methinks they went into admin in Dec 08, the letter above was Jan 09, most likely old paperwork....although I have a letter here dated later than that from RW that has the same company details at the bottom...I also have a later letter quoting them as changing name...I didn't notice much of a difference in the name change though...but it was at the latter part of 2009.

I reside in Dawlish Warren but am not a rabbit.

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Its definately listed as a default. I'm not sure who put it there - I can only assume it was London Scottish? Thats what it is listed as.

 

Sorry I am just reading that letter again - which states that the default was 2005 and the payment was 2007. Still i'd rather not wait another 16 months for it to drop off - esp as I dont like people holding on to my data when they do not have permission to do so.

 

well unless i'm missing something

its there for 6yrs as you've surmissed

cant see what you can do about it

it was legit at that time most prob.

 

which cra is this from?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Its from Experian.

 

You're not missing anything - its just that no one has a copy of a CCA - so how do they think they have permission to file defaults against me etc?

 

Or am I completely off track in saying that?

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I am just contemplating. I do not recollect having received a Default or a notice of assignment from Next or London Scottish. If I SAR them both to ask for all information held then that could show a flaw in their data? Pondering. Equally maybe it will show they "sent" me all that I should have had - only mysteriously I never received any of it?

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pers i'll be honest

you're flogging a dead horse.

 

the FOS and the OFT are down on record as saying that cra files can be updated regardless of any dispute over 'an agreement' as long as a credit relationship exists or existed at that time.

 

bit like the 'is it an application or an agreement' arguement.

 

as long as no-one has updated the file after 3-6mts since YOUR last financial in/out i can't see anyway of removing it.

 

as for the SAR might/might not give you the letter, again, they are not 'obliged' to hold a copy of any computer generated automatic letters, just ref to one was sent, or would of been sent in the natural course of a credit relationship.

 

thats my take anyhow.

 

hth

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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