Robinson Way threatening house visit

[nyvas]

HI all in CAG,

 

Thank you for previous help.

 

I have a big problem with robinson way.

 

They are claiming that I owe them.

 

The main thing is that the debt that they are claiming has attained statute barred in 2010 which meant that the debt is 7 years old.

But they insert their update date which is in october 2008 and are trying to claim the debt

 

.I have not previously acknowledge the debt in any way where I even changed our landline phone number.

Now they are threatening me with doorstep visiting agent.

 

I know that they shouldn't change or cheat me with the default date.

 

However I have only one report from call credit which I had saved previously indicating the default date is on 2004 where I have lost other document regarding the debt.

 

Please help me as I am having hard time finding template letter.

 

If I am to write to them complaining about the default date should I produce proof or should I ask them the last statement without acknowledging the debt

or should I continue ignore them..

 

i am pretty confused..

[citizenB]

You will find a Statute barred letter in the CAG library, which is linked at the top of each screen.

 

In order to become statute barred, no liability should have been acknowledged or any monies paid for a period of 6 years.

 

Check your credit files and see if the debt they are pursuing is still being recorded.

 

A DCA cannot alter the default date from when the original creditor first registered it. They can only update it for the period not exceeding 6 years.

 

Many DCAs will argue that limitation accrues from the time when the "default notice" is issued. It does not. Simple as that.

 

Limitation clock starts ticking from when the payment is due and not paid not when they send a default notice.

 

We see often that CRA entries will date 5 or 6 months ahead of when the payment was missed.

 

People need to be sure that they aren’t being hoodwinked and that the DCA is extending limitation so they can sue when they are not allowed to.

 

Many DCAs, including Robbers Way like to threaten/intimidate by saying they will visit. They mostly do not. However, there is a letter in the CAG library which advises that they would be in breach of OFT guidelines if they do turn up on your doorstep without an appointment.. And presumably you arent going to make one.

 

If they do turn up, have a copy of hte letter printed off and just hand it to them and ask them to go away.

 

If you truly believe the account is statute barred, send off the SB letter and let them prove otherwise.

 

It has not been unknown for "phantom payments" to show up on statements. If they do, then again, its for the pursuer to prove that you made them.

[dx100uk]

HI all in CAG,

 

Thank you for previous help.

 

I have a big problem with robinson way.

 

They are claiming that I owe them.

 

The main thing is that the debt that they are claiming has attained statute barred in 2010 which meant that the debt is 7 years old.

But they insert their update date which is in october 2008 and are trying to claim the debt

 

.I have not previously acknowledge the debt in any way where I even changed our landline phone number.

Now they are threatening me with doorstep visiting agent.

 

I know that they shouldn't change or cheat me with the default date.

 

However I have only one report from call credit which I had saved previously indicating the default date is on 2004 where I have lost other document regarding the debt.

 

Please help me as I am having hard time finding template letter.

 

If I am to write to them complaining about the default date should I produce proof or should I ask them the last statement without acknowledging the debt

or should I continue ignore them..

 

i am pretty confused..

 

robbersway have NO LEGAL POWERS to do nowt!

 

as for the doorstepper

 

call the police if they turn up.

 

they have no legal powers to demand any money at the door

 

they have no more powers than the MILKMAN

 

they are NOT bailiffs!!

 

dx

[BRIGADIER2JCS]

Have RW actually changed the default date or have they

updated the entry when they aquired the debt.??

[nyvas]

HI thank you for wonderful reply,

The have updated the entry when they acquired the debt however the letter they had been sending me stated their updated date as the default date.The information on this debt in credit file has been cleared last year.I called up the credit reference agency and they told me that they will clear defaulted account after 6 year where it attained statute barred status.This RW has been chasing me 6 months after the debt information has been cleared from credit reference agency..

[BRIGADIER2JCS]

I think you should make a Formal Complaint to RW,

and then copy it to the OFT..

you could write as follows.

To: The Compliance Manager RobinsonWay

 

Dear Sir or Madam,

 

Take Note: I do not acknowledge any debt to your company.

 

I am wrining with regard to the entry RW have place on my credit

files with xxxxxx regarding the alleged debt from (original creditors name)

as you are wll aware this alleged debt is STATUTE BARRED I should not

need to remind you of the OFT Guidance 2003 updated October 2011

and was laid down ithis regarding attempts to collect statute barred debt.

For Clarity and to avoid further confusion the alleged debt is statute barred

thereforeI will NOT be making any payment or offer of payment., you will

therefore remove all data relating to me from your record forthwith.

 

I am sure you are aware of the requirements for placing defaults with

credit reference agencies, especially that which states that once a debt

has been defaulted no further default or change of the original default

date can be made, you have ccontraveened this protocol in placing

a false default on my file as follows (enter details here)

You will immediately remove the false entry from my files and cease

to process my data

For information a report of RWs conduct and breaches of regulation and

guidance is being reported to the OFT and ICO.

Copy to the CRAs.

 

Brig.

[ashmk]

Home visit letters are a very common this time of year, in fact I would be willing to bet most DCA's send them in the run up to Christmas. They know most people have some money saved up and they know you don't want any stress so they chance their luck with a bit of pressure selling.

 

Pay no attention to it, if they do turn up tell them to fob off.

[theshuffler]

Not one but two of these muppets were lurking at my door last week when I pulled up in the car.

Me Can I help you?

 

Muppets ..... Mr ???????? Me yes .

Mr ****** ????????? again a yes from me .

 

We are from Robinson Way can we talk to you?

Me Em NO!. So much for security questions. Me Time to go lads !

Muppets What?

Me time to go boys.

Muppets we really need to discuss this matter.

Me what matter?

Muppets this debt .

Me what debt ?

Muppets Its a lot of money

Me what is ?

Muppets this debt. producing a piece of paper.

Me oh let me see wow yes that is a lot of money .

Muppets So what are you going to do about it?

Me what am I going to do about it?

Muppets yes .

Me Do you owe me this money?

Muppets No you owe us .

Me Oh dear not much I can do about that, by the way any identification?

Muppets we have this piece of paper.

Me wow Im gonna get me one of those .

Muppets We really need to discuss this debt

Me what debt

Muppets this debt ( waving his piece of magic paper)

Me sorry Im a bit confused why do we want to discuss it again.

Muppets Its a lot of money

Me yes we are both agreed on that .but why do we want to discuss it ?

Muppets well you owe it to us

Me I do ?

Muppets yes .Its a lot of money

Me ok we have already established its a lot of money .

Muppets Well what are you going to do about it .

Me absolutely nothing. what are you going to do about that?

Muppets We need to discuss a payment plan .

Me ok lads you do that and good luck with it. see ya .

Muppets what?

Me bye lads happy Christmas. and by the way dont ever come near my door again or I will call the police.

Muppets what?

Me byeeeeeeeeeeeeeeee see ya have a good one.

 

Oh what fun bet santa doesnt bring me anything that will give me as much pleasure.

As all my debts are stat barred Im gonna miss them.

[citizenB]

The shuffler.. please, please report this to the OFT. They are simply not allowed to do this.

[Bombaymix]

I know it's not funny... But I actually just LOL'ed at the shufflers chat with Mr Robinson and Mr Way...

 

Hopefully they won't be back at your door!

 

To the OP... Take the (as usual) fantastic advice here and get that letter sent to them!

[sillygirl1]

Get complaining NOW

 

http://www.consumerdirect.gov.uk for the Office of Fair Trading

 

This is very much against their debt collecting guidelines.

[theshuffler]

Complaint went off as quickly as they did. I remember the bad old days when one of those muppets would of put the fear of god into me. Not anymore thanks to this site. I quite look forward to their letters nowdays. Having said that the OH defaulted on her payplan near two years ago and she recently recieved a DN. All quiet since though so I imagine there will be a sneaky ccj poping up a new thread and a source of entertainment on the horizon.