Robinson Way old london Scottish finance debt

[jj itch]

should i quote in the dispute letter the information Pinky69 mentions about the case Wilson v Secretary of state etc

[Pinky69]

I personally would tell them it is unenforceable because the the credit amount is wrong, for which you have proof. If you just say it is unenforceable they will just come back at you and say it isn't. You don't have to quote the case. I wouldn't worry about them. There is nothing they can do about it.

[Huff&Puff]

On reflection, Pinky's way is best, at least it should avoid "yes it is" / "no it isn't" letter ping-pong. Personally, I'm not a believer in ever quoting cases at any DCA, I take the view that it's better to keep what, or how much, you know to yourself.

[jj itch]

another letter from Robinson and Way, wanting money wanting us to ring them, told them the agreement is not enforceable and it is in dispute now, what do I do next

[Pinky69]

Nothing. You have put the account in dispute now you can just ignore them. They will keep writing but there is nothing they can do - the agreement is not properly executed and that is that.

[Huff&Puff]

If they continue to harass you, report them to Trading Standards and the OFT for chasing a disputed debt.

[jj itch]

another letter from R & W saying they want us to contact them re payment they are not wanting to have letters back and forth, they say they have sent the correct paper work the uneforceable agreement and statements.

They seem to be threatening, I cant scan their recent letter as my scanner is not working due to moving house.

[Huff&Puff]

Now you report them. Do not contact RW.

[jj itch]

Another letter from Robinson and Way what should i do ignore it

 

[Pinky69]

Another one for your ignore file. Don't bother about the imperious tone of their letters. They are up the Swannee without a paddle, they know it and no outfit deserves it more.

[jj itch]

ok, but they have sent the uneforceable agreement, statements and they say i have acknowledged the debt because I was paying them a £1 a month, should i still ignore them. The statements are originally from london scottish.

[Pinky69]

It doesn't matter what happened before. You didn't know before you asked that they were asking you for payment on a non-existent agreement. Rob Way are the collection arm of London Scottish, which went into administration last year. It doesn't matter who was pursuing you - they shouldn't have been doing it without a lawful agreement - that is the law.

[jj itch]

How long before they give up though

[Huff&Puff]

How long before they give up though

 

You may have to wait for the alleged debt to become Stat Barred before they give up altogether, as nobody will enforce the rules DCAs do what they like Have you reported them yet? Because that will often make them go away, for a while anyway.

[Pinky69]

I got them to give up by making complaints to their complaints departments every time they wrote that they were pursuing me for debts in dispute that had no agreements and sending copies of all these complaints to the OFT. I had a few DCAs pursuing me a couple of years ago and are all long gone. I got rid of DLC by writing really cheeky letters to their owner Robin Faccenda at his chicken HQ and bypassing DLC altogether. Cabot I just stood up to and Moorcroft practically gave up without a fight because they haven't a clue.

[jj itch]

I have been reading the OFT guidance on uneforceable agreement Janu 2010 does this mean that i am fighting a losing battle here and just pay R & W

[Pinky69]

Why should it? The agreement you have is unenforceable.

[Huff&Puff]

This entire forum is testimony to the fact that it is not a losing battle. But it is people with that attitude that makes the DCAs continued to pursue alleged debts that they have no other hope of collecting on :(

[jj itch]

The OFT are now investigating RW now. They want to look into it further.

[regan11]

If the agreement is unenforceable then all you are going to get is hollow threats, stand up to them and everytime they hassle you, report them.

[jj itch]

will do, OFT have asked for all copy of letters that i have sent them

[jj itch]

London Scottish Finance ltd (in administration)

I have received a default notice from them, going to scan it in and attach it later. i thought this lot had given up but obviously not. what should i do threatening to take us to court

[jj itch]

i received this today

[twoman]

subbing

[twoman]

I notice in the DN it states "if you end this agreement" , "under this agreement" etc etc.What agreement! they can not produce the agreement and therefore can not enforce it and if they want to take you to court let them.

There are some really good people on here with expertise in dealing with hese people and they will advise you on what to do as and when you recieve the threat-o-grams.

 

Twoman