Trouble from Robinson Way old cap1 debt

[tacklebob]

Morning all,

 

Can someone please advise with some trouble I am having from Robinson Way.

 

 

They wrote to me regarding a debt they said they had purchased.

 

I wrote a CCA request and have heard nothing for 8 months.

 

Now they have sent the attached.

 

As you will see it says "application form".

Also I have had no Notice of Assignment regarding this debt;

just a letter saying they have brought it.

Also I honestly can not remember this debt.

 

The application form is dated around the time my husband got made redundant

and I acknowledge we panicked at the time;

so it may be from them but I am 99.9% sure I have not paid anything on it in the last six years.

 

So I dont really know which route to go down with them...help needed please:|

[dx100uk]

sadly that image is too small

 

however.

if you have made no financial transactions on the A/C in 6yrs

it will be statute barred or very close to it

 

pers i would do nithing more

 

it is up to them to PROVE it is not SB'ed

not you to prove it IS.

 

me thinks you are on a phishing list.

 

of old debts that these chancers are looking to find mugs who will pay up on.

 

are you happy it is SB'ed, ??

 

dx

 

siteteam

[tacklebob]

Sorry I am not sure why it is showing small. I am very good at keeping paperwork and can not find anything in the last five years. I am just worried that if I go down the SB'ed route; am I admitting the debt? then if I have paid it in the last five years, have I shot myself in the foot if they havent got an agreement.

[dx100uk]

the sb route is you doing nothing more - ignore them

 

if you wanted you could SAR the OC, then that would tell you exactly

might also be of use to have all the statements to p'haps reclaim the unlawful charges or mis-sold PPI?

 

there are only two methods of admittance:

 

one a payment [but that could always be deemed as made under duress - esp if there is a big time gap and a leecher dca conned you]

 

a letter 'specifically' stating i ack this debt and signed by you.

 

verbal or 'inherent' by another type of letter do not count .

 

dx

[tacklebob]

Morning all,

I am not sure why but all my attachments are showing too small to read but I have had further correspondence from Robinson Way.

I sent an account in dispute letter because they had not provided a CCA,

evidence of any payments against the alleged account and no notice of assignment.

In their letter they refuse to communicate further with me or to lodge my letter as an official complaint

stating they are satisfied of my liability.

They state they will continue to process my data and pass to other third parties and will take further action if no payment

is received within 14 days.

1, Can they legally refuse to lodge my letter as an official complaint

(which was stated in it), not send a copy of their official complaints policy and can they refuse to communicate any further in the matter?

2, How will they try to collect payments if they will not communicate any further?

3, Can they still legally use my data?

Many thanks as always.

[silverfox1961]

Hi,

I have had one occasion where a DCA refused to deal with a complaint as it wasn't headed "Formal Complaint" Pedantic, I know but if you didn't head it as such then that may be why they are trying to wriggle out of dealing with it.

I would be writing back stating that you think the complaint has not been dealt with and to escalate it to a manager.

 

Your data can still be processed and will show on your credit file until 6 years have elapsed from the date of default.

 

As for them not communicating with you. I think that is purely the complaint issue but if they try to get another DCA to collect, you can send them packing.

 

Can you try to repost the image above using Photobucket or similar.

[dx100uk]

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

[tacklebob]

I have tried to attach it again.

[silverfox1961]

Well that one worked but what I meant was to repost the image you posted in post 1

[tacklebob]

Sorry, I have now attached response to my CCA request.

[silverfox1961]

Even though the agreement is a little blurry, I think I can see that it states that you have read the terms and conditions overleaf. If that is correct, I would tend to think it is enforceable. I also can see a date but not too clearly. Does it say 18/04/07?

[tacklebob]

It is 18/04/97. They have not sent any terms and conditions; does that make a difference. Also I am 99.9% sure I have not made any payments within the last six years.

[silverfox1961]

The best bet now is to SAR the Original creditor to find out when the last payment was made.

You could check your credit file as if they have defaulted you, the last payment is usually 3 to 6 months before the default date. The last payment date is the important one