Natwest - robbersWay Chasing old disputed debt

[Goatan]

I have been arguing with natwest about a default notice they have placed on my file for a disputed debt. I would like to know if they can do this whilst the the debt is in default and is this letter a valid default letter.

It has made me remove the link anyone know how i can show you this letter without using a link or picture?

[silverfox1961]

Hi,

Once you reach 20 posts, you will be able to post up pictures. You already have 16, Wander around the forum and see where you can add snippets of information then try again

[Goatan]

Not to much i can offer at the moment except moral support but will see what i can do.

[Goatan]

 

Seems i have now made enough posts to post a picture.

can any tell me if this is a correct default

my main concern is that there seems to be no figures and there was no attached notice as it says.

 

arrgh anyon know how to get the pictures the right size?

Edited February 7, 2011 by Goatan
pictures to small

[MandM]

Try Photobucket. Might take a few attempts but you'll get there

 

Link >>>> http://www.consumeractiongroup.co.uk/forum/content.php?115-How-to-open-a-PhotoBucket-account-and-use-it-to-post-pictures-on-the-Consumer-Action-Group

 

M

[Goatan]

Im just recently gota letter for Robinson way limited who are chasing a debt with NatWest

trouble is the majority of the debt is disputed and is currently being investigated by the FOS

 

what should i send the Robinson way to get them to back off.

also the amount they are asking for is well above the disputed amount.

[PriorityOne]

What kind of debt is it? Is it disputed because of charges?

[Goatan]

No part of the debt is an overdraft that i was paying off happily and will do again once they acknowledge their mistake.

The majority though is fraud that the bank allowed to take place despite getting the card cancelled and warning them that i suspect fraud might take place.

 

I didn't think bank charges where disputable anymore.

[PriorityOne]

Were the police involved? The easiest way to get shot of them would be to quote a crime ref. number...

[Goatan]

thats a good point i do have a crime ref number.

[PriorityOne]

Excellent.... In that case, write and say that the matter is currently part of a police investigation for fraud and quote the crime re. no. State that any further demands for payment will be forwarded on to the police and FOS without further notice. Send by rec. delivery.

 

[Goatan]

Letter sent lets see what they say after that.

[Bazooka Boo]

This is just too easy!

[Goatan]

An update to all this,

 

despite me making Robinson way aware of what was going on they have sent another letter threatening a doorstep visit.

 

Unfortunately like a Muppet I didn’t keep a copy of my last letter so I don’t feel I can complain to the OFT about them this time.

 

However I am going to send the standard CAG letter to ward off their visit along with this.

 

The total of this debt is disputed by myself due to NatWest allowing fraud to be carried out after they were warned of the potential for fraud and my card being cancelled.

 

As you are aware from my previous letter this is currently being investigated by the FOS and the police as a crime (ref: XXXXXX) which NatWest my well has been an unwitting accessory to.

 

The OFT makes it clear that it is unfair to continue collection whilst a debt is in dispute which this debt clearly is.

 

Until the FOS and police report back I will not enter into any further conversations with you and I will raise a complaint with the OFT as I would consider your continued attempts to collect a disputed debt that is under investigation by the OFT to be vexatious and unfair and possibly subject to legal action due to harassment.

 

Please do Let me know what you think of it.

[PriorityOne]

Looks fine to me.

 

Don't worry about a doorstep visit though; they're not bailiffs and can do nothing to you at all. If they turn up, tell them to foxtrot oscar.

[Goatan]

Oh very definitely

 

my plan to do that just annoying and a little bit worrying if my Mum answers she has tendency to panic at official looking things and might pay thinking that she's helping.

 

I have made her aware of what she should do .

 

Forgot to say as well I actually got 2 letters from them with the same date.

 

One saying we want all the money and we will send a local rep.

 

The other one offering a substantial discount, no details just says a substantial discount they don’t sound completely confident of their position.

[Bazooka Boo]

Robbersway are the leaders in circus events who tour this country, if they are so inept and uneducated as to send some total moron to your address who even feels like they some how have one iota of legal nous to be asking a stranger for money, then it is solely up to you how you deal with such an imbecile, your choice of words and actions are of your own doing!

[Goatan]

OK an update on this Robinsons way still have sent me letters including another doorstep colection threat. (i have the video camera battery on chrage for that ) Which is the most appropriate/best agency to?

 

durrr which is the best agency to complaign to?

[Bazooka Boo]

OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

Financial Ombudsman http://www.financial-ombudsman.org.uk/consumer/complaints.htm

 

Local MP http://www.writetothem.com/

 

Media http://www.bbc.co.uk/watchdog/gotastory/

 

Obviously keep copies of their tame letters, send copies to the above if requested, and there is nothing else to do except IGNORE robbersway, all they can do is continue sending more deforestation including empty threats, if anyone purporting to be from this hilarious outfit does decide to grace you with their presence, then the length of time for them to remove themselves from your property should be the only words that leave your lips! Swiftly followed by the slam of the door.

[Goatan]

Draft of the copmlaint im goign to send out any comments welcome.

 

I wish to complain about the company trading as Robinson Way. They are chasing me for a disputed debt on behalf of NatWest the reason the debt is disputed is NatWest failed to cancel a debit card after I warned them about the possibility of fraud. They subsequently passed the cost of this fraud onto me despite it being there fault. This fraud and copmlaint against NatWest is currently under investigation by the financial ombudsman and police (police ref: ). I have informed Robinson way of this but they have ignored my correspondence and continue to send letters demanding payment for this disputed debt and threatening visits to my postal address which is actually owned by my parents and would cause them distress as well as embarrassment for me.

[Bazooka Boo]

Dear Sir/madam,

 

I wish to make a formal complaint about Natwest and their chosen third party debt collection agency 'Robinson Way'.

 

The bank was informed by myself od DD/MM/YYYY that I believed there would be fraudulent activity on my account, I therefore closed this in order to prevent any such activity.

However the bank for some unknown and unexplained reason, allowed fraudulent activity to be carried out on the account I had closed, and as such, feel that they somehow have authority to chase me for this money that was taken from the account.

 

The actions of their chosen third party debt collection agency leaves a lot to be desired, and is a reflection of the banks customer service, I will hold Natwest responsible for any and every threat intimidation and personal abuse that may be used by Robinson Way.

 

I have a Police incident reference number for this clear case of fraud (123456) The FOS is also investigating the matter, yet Natwest along with Robinson Way still feel it necessary to blatantly disregard and continue to attempt to threaten and intimidate me by way of written correspondence.

 

Whilst these tactics may have worked on others in the past, until the FOS and the Police have carried out their investigations, I will not entertain the bank or this Robins way outfit, I will continue to log all calls and maintain my diary of events with a view to seeking legal advice and taking action against the bank and their chosen third party DCA if they continue to pursue me when I am not liable.

[Goatan]

I like it thank you Bazooka Boo

[Bazooka Boo]

Give it a few tweaks here and there, my head isn't as quick today so not my best!

[Goatan]

Thats cool still better than mine

[Goatan]

many moons ago I had a problem with NatWest and a payday loan they had paid despite me cancelling the debit card. after an initial complaint they reversed the payment but a few weeks later they re did the payment or should I say payments as they were taken in 7 chunks of £100. Anyway I went through their complaints procedure with no joy then the FOS who just rubber stamped their decision and thought that was that as i could not pay anything back at the time the account had massive charges and went into default.

 

Just a few days ago i saw this BBC article http://www.bbc.co.uk/news/uk-19598492 -which should probably grace the CAG front page as i bet it would be useful to a few cagers- which explicitly states that the banks cannot just make a payment to a payday loan company or anyone else against my will and how the banks are unsurprisingly still ignoring the law on this.

Anyway as I now realise that the bank was wrong and the FOS was wrong i was wondering how i go about taking them to court. Would it be simply a case of taking them to small claims to get the money and charges refunded so that the default would be taken off?