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1st Credit/Robinson Way

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Hi Caggers.


Thought I'd start a thread about these as they are now chasing me with increased frequency.



Bank of Scotland Credit Card account - got into difficulties in 2005. They passed it to Blair Oliver & Scott (who I believe are part of BOS anyway).


Sent a Subject Access Request to Bank of Scotland Data Controller in August 2008, with £10 fee, but didn't even receive an acknowledgment, much less the data I requested.


Paid then £5 a month until 2009 when Bank of Scotland sold it to 1st Credit. I received two notices of assignment from Bank of Scotland - one dated December 2008, then an identical one dated March 2009 :???:. Also received one in March from 1st Credit.


From then on, received various threats from 1st Credit and LCS Solicitors.


Sent a S78 request to 1st Credit in May 2009, which was not acknowledged or replied to.


Further threats received from Connaught Collections Ltd, J&P Solicitors, then back to 1st Credit themselves, who took a helpful tone, offering to kindly help me in times of hardship etc etc.


Then it went to Debt Help Services (DHS) in March this year, who listed Bank of Scotland as client :???:.


Then it went to Maqckenzie Hall for a wee bit, before the latest letters from Robinson Way, the last of which was headed, boldly: "Where have we gone wrong?"


At no point have I received a Default Notice, from anyone. At no point have I been provided a copy of any credit agreement.


Letters are coming thick and fast however. Should I remind them that the account is in dispute (viz my s78 request) and that I have never received a Defauklt Notice, or should I stay quiet?

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you appear to be on a phishing list


pers i'd ignore everyone until you get a valid CCA appear.



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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Oh dear...


1st crud are playing silly f'ers.


Write ONE short letter and copy everyting sent :)


Non comp. of CCA request = NO alledged account!

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.


Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.


If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.


I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...


<--- If you feel I've helped, please twinkle my star :)

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save that for the court, go for the cca first




Getting There Slowly



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

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