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    • Hi dx   Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently.   I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article'  as I dont think the PPi team showed them the original claim form maybe, who knows.   Expanding, sorry I missed the word PPi after 'loan' in my post you quoted and highlighted. To be clear, the life protector was not for a loan, but a mortgage, and that mortgage did have a mis-sold PPi on it which they have admitted and refunded.   If it helps, I have several mortgage offers here from 1999 and they say 'Minimum life cover to be assigned to the bank'    The odd thing here is, I started the mortgage and PPi in 1999 but it was 2003 this life assurance started. I do categorically recall being told it was something I had to have though.   Many thanks   E 
    • MP's are good for other things but for some reason are not very good for Council Tax.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help  
    • forget bailiffs they can do nothing on a consumer credit debt covered by the consumer credit act. most certainly no right of forced entry nor clamping or seizing vehicles etc etc .    and it most certainly doesn't matter, even if someone did , which they didn't, contact them and said he's got money.   you've picked up some rather wild ideas on debts and CCJ's etc from some where which are totally incorrect and way off the rails of what really happens..   your next action is to goto your credit file and write down the 3 CCJ number. then on monday go ring northants bulk RECORD YOUR CALL. quote the three CCJ numbers and ask them for a copy of EACH judgement to be sent by email PDF. also ask them to either send copies of the 3 CLAIMFORMS TOO. or if they cant do that  get them to readout for each one: the address it was served too and the EXACT details of the Particulars of claim box    once you have those details comeback to this thread.   by the way who is the fleecing DCA that pulled these 3 stunts...lowell, cabot, Link, Intrum. hoist..?? who.  
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Help - RWay 9 Year Old Debt - lowell claimform What to do?


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I received a letter today from robbers way, for an account with capitol one from 12 years ago, informing me of a subsequent notice of arrears, with a default agreement dated 1st Oct 2008, when I have had no contact between myself and/ or robbers way/ capitol one for 12 years.

I was intending a CCA request, and if sent something, then an SAR, because as far as I can see, they are relying upon the fact that, unfortunately, most people are unaware of the options open to them, other than just give in and pay up. Also the amount being asked for is more than 5 times the original debt.

Never mind, it could be raining!

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I received a letter today from robbers way, for an account with capitol one from 12 years ago, informing me of a subsequent notice of arrears, with a default agreement dated 1st Oct 2008, when I have had no contact between myself and/ or robbers way/ capitol one for 12 years.

I was intending a CCA request, and if sent something, then an SAR, because as far as I can see, they are relying upon the fact that, unfortunately, most people are unaware of the options open to them, other than just give in and pay up. Also the amount being asked for is more than 5 times the original debt.

 

Tom if you have not made an acknowledgement or a payment in a six year period within the 12 years (the limitation act is for 6 years) then I'd personally send a stat barred letter rather than play ping pong with them for a CCA.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Thanks for the advice S, it's much appreciated.

I've tried looking on here for a template letter, but I can't seem to find one.

If you know the whereabouts of a template letter, I would be grateful if you could point me in the right direction.

Thanks again, Tom.

Never mind, it could be raining!

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Thank you both for your help, letter sent this morning.

Hopefully that will do the job.

TOTN.

 

Ok not a prob... they'll either drop it or come back saying you made a payment in 20xx, if they do that then we'll ask them to prove it :razz:

 

Did you send it recorded delivery?

 

S.

  • Haha 1

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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  • 3 weeks later...

RE; Robinson way, and my 12 year old debt,

I received a letter this morning saying,

"having reviewed your comments, we can now advise you that we have closed your account in our files, and you will receive no further communication from ourselves in this matter"

Once again Bazooka and Shadow, thanks for the advice.

TOTN.

Never mind, it could be raining!

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Well done, the perfect result and start to the week!

Make a copy of it and keep it safe, just in case...:whoo:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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RE; Robinson way, and my 12 year old debt,

I received a letter this morning saying,

"having reviewed your comments, we can now advise you that we have closed your account in our files, and you will receive no further communication from ourselves in this matter"

Once again Bazooka and Shadow, thanks for the advice.

TOTN.

 

Brilliant news!

 

As to the thanks, cheers, its always good but you missed out yourself, you were the one who did the work. We all just advised from arms length.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Hi All Caggers

 

I really need some help please. SAR to HBOS and CCA request to Robbers Way in Aug 10.

CCA request to RW included t&Cs, default and termination notice. No documents received.

 

I placed this account in dispute with RW in September, writing to Robbers Way to advise again what I required.

At the end of September Robbers Way have advised me that they would contact me in due course and placed the account on hold.

 

SAR docs received from HBOS with numerous queries as previous posts advise.

I wrote a LBA to HBOS as previous account details used for this consoldidation loan were not sent,

but CCA is showing as well as payments with various balances that do not add up.

No default or termination notice details sent.

 

End Oct 10, another letter from RW stating that they have noted the dispute and will make the necessary enquiries and let me know the outcome in due course.

In the meantime they will stop all collection activity for this account.

 

Over the past couple of days, I have been receiving phone calls regarding this account from a company.

I have not answered the security questions and advised them to put whatever they want to say in writing.

 

I came home today to a letter from IQOR Recovery Services to recover the outstanding balance.

I assume this is the company who have been ringing.

When I asked how they got this number,

they advised they were provided it by Halifax,

which I have not given to them as the account is over 12 years old and I have moved since then.

 

Do I now just write them a letter which advises that this account is in dispute?

Its not the Christmas present I was looking for! :???:

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If this the account the RW put on hold, then I suggest that you write to IQOR advising them that it is against OFT debt collection guidelines for RW to have passed on the account to them while in dispute. Send them a copy of the letters from RW, so they can see for themselves. Tell them that you do not wish to communicate with them in any way and will wait to hear from RW in due course. Send recorded delivery.

 

This happened on one of my relatives debts. RW passed on the account to another company in this situation and as soon as I told the other company, no more was heard again.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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And you MUST report ALL involved in this, robbersway, and idiot Iqor, to the OFT&TS via http://www.consumerdirect.gov.uk/contact

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just responding to PM,

 

Cant add anything at present other than to report to their local trading standards in nottingham I believe.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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  • 2 weeks later...

Thanks guys!

 

Got a financial statement letter from IQOR Friday! Of course I will consider filling it all in and sending it to them :madgrin: NOT!

The debt is less than £5,000. Ive done everything I need to do thanks to you guys!

 

'iGnore' is my intention- iQor may consider a name change.

 

Hope you all have a great Christmas!

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  • 2 weeks later...

Hi All

 

I havent been as lucky as Tom of the Night!

I have today received a letter from Halifax which provides a copy of the agreement, T&Cs and statement of account.

It doesnt answer my queries raised with Halifax following the SAR,

but I believe this is in response to my letter sent to IQOR to advise that account is in dispute

and should be passed back to Robbers Way as they have not replied to my CCA request.

Although the CCA request isnt stated in Halifax's letter today,

I expect that I will be contacted by Robbers Way or IQOR again shortly.

 

My question is what should I do?

 

 

The amount is over £3,000, but less than £5,000 and I have been making payments of £1 up until August this year.

The SAR shows the account was written off on more than 1 occassion, but re-instated.

I could try and ask for a F&F settlement, but couldnt afford anything remotely close to that.

 

 

I have not had a copy of the termination notice or default and the loan refers to consolidation of another account which I dont have any information on.

I did ask for these and that request has been ignored.

 

Do I sit tight and wait for the threat of court action?

Can I be taken to court without a termination notice or a default notice?

It would appear that it is possible?

Can anyone advise me how to handle this please?

 

SF2010

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Are you saying that they failed to reply fully to your SAR? If so and they are passed the 40 day time limit, then you should send them a LBA outlining the information you asked to receive but failed to be sent, give them anoth 14 days in which to comply with your SAR if they don't then you will report them to the ICO.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Bazooka

 

Yes they failed to comply fully. I did send them a LBA by recorded delivery, but felt a little cautious about starting court proceedings under the circumstances, so I left it. I was leaving it as a delay tactic should they decide to try and take me to court. I can use it to demonstrate that I have outstanding issues with the account that have not been resolved. Perhaps thats not the best approach Baz?

 

There are still many unanswered questions in relation to the consolidation loan, but my main concern is not having any idea of when this account was defaulted or terminated. Nothing in the SAR indicates when that happened and they havent sent me a copy of any notices, but it was about 10 years ago.

 

Any advice please?

 

SF2010

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Hi Bazooka

 

Yes they failed to comply fully. I did send them a LBA by recorded delivery, but felt a little cautious about starting court proceedings under the circumstances, so I left it. I was leaving it as a delay tactic should they decide to try and take me to court. I can use it to demonstrate that I have outstanding issues with the account that have not been resolved. Perhaps thats not the best approach Baz?

 

There are still many unanswered questions in relation to the consolidation loan, but my main concern is not having any idea of when this account was defaulted or terminated. Nothing in the SAR indicates when that happened and they havent sent me a copy of any notices, but it was about 10 years ago.

 

Any advice please?

 

SF2010

 

Hello again SF2010

 

Well, you need to list out these outstanding issues with the account/your personal data and suply this list to the SAR department and insist that they comply fully with your subject access rights and their obligations under the DPA 1998, give them a further 14 days to respond/comply in full, before you send your complaint to the ICO.

 

With reference to your pm (today), do you have a relative or a very good friend who might be willing and able to raise a lump sum in order to offer this creditor a Full and Final payment (settlement) to the account?

 

Kind Regards

 

The Mould

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Hi Mould, I may possibly be able to gather about 10% of the total at the most, expecially at this time of the year. Many of my relatives have helped me out over the past year when things were particulalry difficult and I dont come from a well to do family, so I doubt they will be able to assist with anything but a small token.

 

I already wrote a LBA to Halifax in relation to non compliance, but they didnt respond. I am well within my rights to go straight to the ICO now. Just a thought, what if they dont have the information relating to the account that was consolidated? Im not looking for an answer as such as of course I will have to wait and see.

 

Thank you for your time.

 

SF2010

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If you have already sent them a LBA and they are still laughing at you, then yes inform the ICO immediately, let him investigate, I always say that you shouldn't threaten these companies with such action unless you are willing to carry it out, it makes it more difficult for others who intend on using the full weight of the law, plus it tells them your a push over, make that complaint to the ICO asap!

http://www.ico.gov.uk/complaints.aspx

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 5 months later...

Hi All

 

I recently received an annual statement from Halifax showing the outstanding debt and payments which amount to nil,

as I stopped paying this in August 2010 when I made a CCA request to RW who was collecting the debt at £1 per month.

 

There has been an attempt to pass this to yet another DCA, Westcot (though I understand they are also known as Robbers Way).

The account remains in dispute with Robbers Way and I have heard nothing from them since putting it in dispute.

They tried to pass it to a company called IQOR in December.

I sent IQOR an account in dispute letter and they never contacted me again.

I am about to do the same to Westcot.

 

After sending Westcot the account in dispute letter, perhaps they too will go underground.

I am still concerned and I am moving to another area soon and although I only get these letters periodically,

if Im not here to respond when they do decide to write letters, could this affect me?

They could no doubt proceed to a CCJ or something without me knowing.

 

I am awfuly tired of this, its like a little omen that comes along every few months/years to knock you off your feet.

 

Any advice would be welcomed. :-(

 

SF2010

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