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    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
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Please help with Robinson Way Limited


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Please could you advise me and help me through this problem with Robinson Way Limited?

 

I have just received a letter named and addressed to me,

saying that they are chasing a debt owed to 'equidebt - ex nationwide. It is for quite a lot of money.

 

The fact is I have never heard of this debt, nor have i ever taken out or bought anything from Nationwide or equidebt for this amount.

 

No default even shows up on my credit report or history, as i have just bought a new house (we've only lived here 12 months)

and my credit history was very good, throughout the house buying process, with no debtsoutstanding.

 

They are threatening to advise their client to take me to court.

 

I have never heard of any of these people.

 

After looking at the support and advice of others in this group, I have sent the template letter to them,

stating that i know nothing about the debt owed and to send me written evidence.

 

Is that ok to start with or do i need to do anything else?

 

Who are these people and who are equidebt?

 

Will they be able to black list my property and involve my wife?

 

Will this damage hers or my credit history, even though i have now sent them a letter disputing their claim?

 

I would really appreciate any words of advice or wisdom.

 

Thank you

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Please could you advise me and help me through this problem with Robinson Way Limited? I have just received a letter named and addressed to me, saying that they are chasing a debt owed to 'equidebt - ex nationwide. It is for quite a lot of money.

 

The fact is I have never heard of this debt, nor have i ever taken out or bought anything from Nationwide or equidebt for this amount. No default even shows up on my credit report or history, as i have just bought a new house (we've only lived here 12 months) and my credit history was very good, throughout the house buying process, with no debtsoutstanding.

 

They are threatening to advise their client to take me to court. I have never heard of any of these people. After looking at the support and advice of others in this group, I have sent the template letter to them, stating that i know nothing about the debt owed and to send me written evidence.

 

Is that ok to start with or do i need to do anything else? Who are these people and who are equidebt? Will they be able to black list my property and involve my wife? Will this damage hers or my credit history, even though i have now sent them a letter disputing their claim?

 

I would really appreciate any words of advice or wisdom.

 

Thank you

Hi welcome to CAG,

 

I suggest that you write to the Compliance Manager at RW send this by recorded delivery.

 

ref: as on their letter.

 

 

Dear Sir or Madam,

 

I refer to your letter dated xx xx xxxx in which you allege that I owe a debt for £xxxxxx to Equidebt for an account with Natationwide, please take note I do not acknowledge any debt to Robinson Way, Equidebt or Nationwide,.

 

I have not been contacted by any of the parties you mention in your letter at any time.

 

Having checked my personal credit history I have concluded that any such alleged debt is now statute barred therefore I will not now or at any time in the future make any payment or offer of payment in regard to the allged debt.

 

Please note I am fully aware of the OFT Guidance on Debt Collection 2003/2011 and the sections regarding the pursuit of statute barred debt.

 

You will now cease to process and store all data relating to me with immdeiate effect.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

RD this and see what crawls out of the woodwork.

  • Confused 1

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I did have a Nationwide account, but I stopped using it ten or twelve years ago, when I moved house. I'm not sure I closed it officially, but it hasn't been used for at least 10 years and it was empty when I left, transferring all of the Direct debits etc. I don't have any of the paperwork now. Would have thrown it out after about 6 years!?

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1. Is that ok to start with or do i need to do anything else?

2. Who are these people and who are equidebt?

3. Will they be able to black list my property and involve my wife?

4. Will this damage hers or my credit history, even though i have now sent them a letter disputing their claim?

 

I would really appreciate any words of advice or wisdom.

 

Thank you

Hold the horses here a bit. Let's take this one step at a time.

 

1. Your response was exactly the right one, as stated by Havinastella. They should cease all collection activity while they process your request. If they do not, raise an official complaint with them.

2. They are a debt collection agency. DCA. Main stream creditors do not like to get their hands dirty with defaulted debts. So they pass these debts on to DCAs, either using them as an agent or selling the debts via assignment. A DCA acting as an agent has no legal powers at all.

3. This is a way off yet. But, if the debt is yours (it isn't) then they can legally report the status of the debt to your credit file. There is no such thing as blacklisting. However, if (and only if) your wife has a joint account with you she might find it harder to get credit.

4. As above. If they falsely mark your credit file with a default, this can be removed.

 

You should check your credit file from time to time. DCAs can be cavalier about registering defaults so you should check to make sure they haven't.

 

Noddle is based on the smaller of the three agencies (Callcredit) but you get online access for free and for life (the other 2 cost £15 a month after the first month).

Noddle

ICO - credit reference agencies

You can get paper copies for £2 each, per agency.

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It is quite simple if this account was closed 12 years ago and no payment or acknoeledgment in writting has been made in that time the debt became statute barred after 6 years anyway so they cannot damage any thing now.

 

RW have been taking on a large amount of old debt, but of course they are not made aware of just how old the debt is or it's status in regard to the Limitation Act 1980.

 

I'll amend the letter for you to send.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Your fine with your wifes account it would only affect both if it was a joint account.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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plus its a DCA chasing a debt for a DCA no the OC mationwide

 

where in all the concorted rights of assignment that sits as to even IF

any DCA can do anything to you is very debateable

 

sounds like they are just phishing to see if they can find a mug who knows no better to spoof into paying.

 

either that or its a case of fraud.

 

if you did default on the account, its long dropped off your cra file [the defaults 6th birthday]

 

you'll prob find Robbersway have no paperwork at all [DCADCA they never do]

and when they do get it

it'll be just bank statements [as there is no CCA on bank accounts]

 

they either see its so old and drop it like a hot stone

or

they'll magic up some phatom payment in 2007 to claim its not SB'd

 

dx

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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  • 2 months later...

Hi, returned with news...Robinson way sent a letter back, saying they were letting go of my so called 'case' and passing it on (or back.) That was in October.

 

Now I've just had a letter from Mackenzie Hall for the same amount!

 

Never heard from them before.

 

I'm sending them the letter I sent Robinson Way.

 

Really annoying.

 

When will this all go away?!

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Yes same letter but add that RW has ''given up'' on the account very recently.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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IMHO its time to stop the letter tennis

 

dx

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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