robinson way DCA (ex abbey)

[thematrix28]

in 2009, i had an unauthorised overdraft which i used £50,

eventually i gained bank charges which i couldnt pay which racked up to £238.56.

 

i have been receiving letters from robinson way for the past 2 years so i decided to call them.

i asked for proof of claim to the debt which they said they dont have to show me and also a signed contract between me and them stating that i have agrreed the payment to robinson way,

ehich they claim is also non existant.

 

what they did say is that, as it was a current account,

there is no agreement other than the signature i provided to abbey upon opening my current account.

they said they will send an 'notice of assignment' which gives them the legal right to claim and retrieve the debt from me.

they refuse to aknowledge the existance of a contract between me and robinson way but insist that they will persue the claim against me.

 

i was told she is gonna send me this notice of assignment but will not give me any proof that there is a contract between us

and i have 3 weeks to respond to the letter.

how can i get out of this????

[ims21]

Thread moved to debt collection forum

[dx100uk]

if the debt is all or mostly bank charges

they'll go nowhere near a court

which is why the oc sold it on

 

you are safe to ignore them

 

you should never ever phone a DCA

in writing only

 

they'll tell you all sorts on the phone

that they will not state in a letter

anything to make you pay

 

dx

[citizenB]

Have a read of the BCOBs articles linked in my signature and highlighted in green. See if you can see a way forward in those.

[thematrix28]

ok thanks to everyone who replied but i need some more advice if poss.

 

ROBinson way debt agency said that no contract is signed on a current account i dont belive this is true

and when they bought the debt (which they admitted) that the T&C come over to them aswell. They said if it was a loan or credit card there is a contract but not with a current account

 

So its my understanding that if a debt agency buy my debt then isnt that the end of the contract with the abbey and me because on the abbey accounts it will show that its settled now ROBinson way have to chase me for the debt but what happened to them asking me prior to setteling the debt if i would pay them back and if what i write is true then i dont have any contract or agreement to pay ROBinson way anything. in my understanding they are acting unlawful and hoping that there terror tactics will make me pay can someone please clarify if this is true.

[dx100uk]

no doesnt work like that

 

they are right in what they say

there is nothing to cca them on.

 

bcobs might be an idea

else ignore them

 

they'll not do court for fear of a counter claim.

 

whos name is against this debt on your cra file?

 

dx

[thematrix28]

whos name is against this debt on your cra file?

 

how can i find that out

also why dont they show me a loss on there accounts they have off this debt that would then give them a leg to stand on in court i checked them out on company house website it says they are a private limited company do you know the difference with private limited and just limited company if there is any

 

and is it true they take the T&C with them when they buy the debt and they stand

[dx100uk]

your jumping up the wrong tree

and one whichhas been debated 1000's of times before

and sadly has no bearing.

 

look in my sig about cra files.

 

dx