Robinson Way-What do i do?

[nobbyn]

Hi Diddydicky and others , thank you for the help so far.

 

As an update, the telephone calls have stopped and i received my postal order back from them this morning with a letter stating:

 

"Following your request, we have today asked for a copy of the agreement or statement to verify that you are liable to pay the amount due. Your account has been placed in temporary delay pending receipt of this documentation and we will contact you again in due course"

[diddydicky]

thats fine

 

the fact that they sent your £1 does not relieve them of their obligations

 

how generous of them!

[nobbyn]

Well the 2 weeks are well and truly gone and i have not received any contact from Robinson Way, ALSO though i have also not receieved a statement from Halifax ths month although i continued to pay them at the end of July.

[nobbyn]

Hi.

I need some more assistance please.

 

I have just received from Robinson Way a letter with a scanned image of my credit agreement from Halifax with my signature.

 

This has taken them over a month to supply.

In the meantime i have continued to pay Halifax a set amount of money each month which has been accepted ( as it has not been returned ).

 

However i have now paid Halifax twice without receiving a statement from them and an amount is due to be paid next week.

 

I cannot afford to pay my debt outright and every other creditor has not given me any hassle at all compared to HBOS/Robinson Way.

 

Has anybody any ideas as to my next step.

1/ Should i offer RW the same payment as i am currently paying HBOS

2/ Should i demand an updated statement from HBOS

 

Any information would be greatly received.

 

Best Regards to all

 

Nobby

[diddydicky]

you could start by posting up what they have sent you- as it may not be compliant!

[nobbyn]

Thanks diddydicky,

do you mean a copy of my agreement? or the correspondance from RW?

many thanks

Nobby

[diddydicky]

agreement ( minus personal details)

[nobbyn]

[diddydicky]

sorry too small to read

[nobbyn]

Thread will not let me post images as i have not compiled enough posts yet.........

 

Not sure what to do now

[nobbyn]

As i cannot post images on here yet, i am seeking further advice please.

 

RW are continuing to pester my mobile and home phone every day but i will not answwer at present.

 

As explained in an earlier post i have a arrangement with ALL my other debtors but HBOS were the last to agree ( took 9 months ) and still charge some interest.

 

I have continued to pay HBOS direct every month but do not receive a statement for the last 3 months.

 

I have now received the following "legal looking" letter from RW stating the following:

 

" Dear Mr xxxxxx

The recent payment you made direct to our client HBOS has been credited to the above account.

 

Robinson Way Limited are dealing with this account and all payments MUST be come direct to ourselves.

 

You MUST NOT make payments to HBOS or any agencies acting their behalf, as they are no longer dealing with this matter.

 

Please make payments using one of the methods set out overleaf .

 

blah, blah, blah.

 

Collection manager ( no name given ) "

 

Should i ignore them, or write something to them offering the same amount as pay HBOS, or state that i am going to continue to pay HBOS as that is who my signed agreement is with and no-one else.

 

Any assistance is greatly appreciated as this matter is making wife ill.

 

Best Regards to all

 

Nobby (John)

[nobbyn]

How long do i give them to stop calling me and writing letters to pay them and not HBOS?

 

I have had no indication from HBOS that i should now pay RW and as far as i am concerned for a company to demand payment for a signed agreement with another is almost fraudulent.

 

I do not see why i should answer any letter or telephone call from RW until i hear from HBOS to the contrary.

 

Any ideas anyone please.

[nobbyn]

Received another letter from RW this morning, well not a letter but a "SECURITY TELEMESSAGE" which is just obviously a mass produced scanned documenet. Image attached.

 

They state that recent actiuons on my account are giving then concern.

What gives me concern is that they continue to call me everyday, sign leters with just a signiture and NO name. and i still state that my "signed CCA is with HBOS and not them"

 

Any ideas please as what to do, do i contact them (RW) as i have refused to do so apart from the initial letter requesting my CCA" or should i just continue to ignore them.

 

Many Thanks

John

Edited October 10, 2010 by nobbyn
Removed image and re-posted

[tracybeaker]

Hi N,

 

i also have one of those letters as well as several others which can after it - still no CCA though. You could really do with scanning the document they sent you up - the one pertaining to be a CCA.

 

I have now recieved a letter from a solicitors from the same address as Robbersway signed by the company not a solicitor - ie a crud letter which means nothing. I will personally now be sending the template letter warning solicitor to go away until CCA is produced.

 

Your situation is sounding very similar to my own (except I haven't been given any type of CCA document), I really would advice you to use photobucket to get that document scanned up - take a photo with your camera or phone then upload it to phototbucket - remove any personal data from the letter and let someone on here have a look at it as you can't really be advised properly without this document being seen.

 

Good luck with it all.

 

If your CCA turns out to be non enforceable - send the indispute letter ASAP and file all letters from Robbers Way under B for Bin, B******hit or B****ocks

 

Good Luck with it all

 

TB

[Halibutt]

POSTING SCANS/PHOTOS OF DOCUMENTS

 

In many threads, people advise posting scans/photos onto Photobucket.

Don't

. It's not secure and your other photos/identifying factors could be revealed to anyone who knows how to do it. For example, there's the "fusker" program. Read about it here:

http://en.wikipedia.org/wiki/Fusker

 

I would suggest an alternative: use sites like imagebam.com, imagevenue.com etc.

 

The reason being that

they do not require registration

, user names, or any other

personally identifying information

in the same way that sites like Photobucket, Flickr and Webshots, etc. do.

 

You post almost anonymously, although your IP address is logged (as with any mainstream site, Photobucket included). A site is not required to reveal your IP address unless legally ordered to do so. With Photobucket, Flickr, Webshots, etc. a

DCA

could simply look up your username, match it with other results in internet searches and use certain computer programs to have a look at

all

of the photos you've posted.

 

Sounds paranoid? Well, what if you've posted a picture on your Photobucket account of you standing outside your house, proudly holding your new baby, but your brand new car reg. is clearly visible, along with your house number, etc.? You suddenly get a call from the DCA asking how you could afford a new car and that you should now "up" your monthly payments. Starts getting a bit more worrying, doesn't it?

REMOVING PERSONAL INFO

FROM SCANS/PHOTOS

 

I've seen many examples in threads where people have used felt pen or biro to scribble over personal details.

Don't do it

. The information can easily be retrieved using Photoshop or similar.

Instead, use your photo editing software - even MS Paint will do the job.

 

In "Paint" simply open your document, use the "crop" tool to crop out any personal info. Drag the cursor around the bit you'd like to delete - it'll look like a rectangle with dotted lines. Hit the "delete" button on your keyboard. The pixel info is then removed from your image and can't be retrieved if someone tries viewing or downloading it - save your edited image under a different name and use the "properties" (right-click) function to remove personal details - this should prevent any info collection via EXIF data.

 

Here's an example:

 

[nobbyn]

Re-posted letter following editing in paint shop

 

[nobbyn]

Post deleted-images too small

Edited October 10, 2010 by nobbyn
Images too small

[nobbyn]

Images of my CCA with HBOS, can be viewed at the following album.

 

http://s1093.photobucket.com/albums/i435/nobbyn/

 

any comments greatly appreciated

 

Best Regards to all

 

Nobby (John)

Edited October 10, 2010 by nobbyn

[nobbyn]

If anyone could have a look at my CCA on the above post and give me some advice i would be most grateful.

Best Regards to all

 

Nobby (john)