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sl8yr

Various debts paid to various DCA's since 2005

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Hi All,

Ive got a few issues and Id appreciate any help with them.

 

I've been medically unfit to work (from 2005) and live in Northern Ireland, the credit card agreements date from 2003/4.

 

Its my first post and sorry its so long winded.

 

Firstly,

 

I sent a CCA request to Robinson Way on 27-9-12 regarding a debt on a Saisnbury credit card.

 

Ive been paying a token amount to various Dca's since 2005.

 

RW are the latest one's to have bought it.

 

On 5-10-12 got an acknowledgement from them.

 

On 15-11-12 got an update letter saying they were trying to contact original seller.

 

Received the CCA from them on 22-11-12.

 

My question is have I any grounds to make a complaint against them as I didn't receive the CCA within 42 days, and is the CCA valid?

 

Secondly,

 

Robinson Way have obtained a cc debt I had with Cabot (and have been paying a token amount from 2005).

 

An agent from RW turned up on my doorstep on 29-11-12 out of the blue,

I wasn't home at the time but rang him and was told that he could turn up without an appointment between the hours of 8am and 9pm.

I was under the impression that a home visit required my consent and an agreed appointment time etc.

Am I incorrect on this??

 

Thirdly. I requested a CCA from Wescot on 29-9-12 but have not received any acknowledgement or response from them at all.

 

What is my next step concerning them?

 

Many thanks for any help at all on this,

here is the CCA that I did receive from RW

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Robbersway doorstepped you?? I thought that this was illegal in NI?

 

Any that haven't supplied you with a CCA, you don't pay and no longer correspond with, all they need is this http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

The clown from robbersway who turned up on your doorstep can be given short shrift, if they don't leave when told to do so, shut the door and call the peelers.

 

Look in my signature to see how to upload scans, jpeg is too small.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I think RW are confusing their proposed doorstep visits with the rules for bailiffs .

 

They are supposed to write first to arrange a visit along with advising you of the purpose of their visit.

 

Send this letter to them amending it where necessary and you should hear no more from them-

 

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT.

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i'd start a thread for EACH debt.

 

and get your CRA file too.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks everyone:-) I can't seem to post a photobucket image (of the RW CCA) on here until Ive completed 10 posts. Thanks for the advice though, I'll get on the ball and any Im still struggling with I'll post in a separate thread, Cheers!

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scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks very much, heres the CCA I received from Rw

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can you please get your CRA file

 

see below

 

that CCA is compliant but that really means very little today

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi dx, Im going to have to obtain my cra file by post, unfortunately I dont have any credit cards at all and can't get my identity verified online. I'll send of for my file today....What should I be looking for when I receive it?

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what shows against your debts

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Are there any late charges on the accounts? Is there any PPI on the accounts?

 

As these accounts are so old, and should they issue Court papers, you can ask for the originals to be in Court. We all know these were shredded years ago.

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Yes,

There are late charges showing on the statement I received along with the CCA.

 

Regarding the PPI I dont think so, although on the credit agreement (pdf above) I notice a box ticked for 'Credit Care insurance. That's very good news regarding the originals :wink: ,

 

in case they start with the bully boy tactics.

 

Ive sent of for my cra file but won't recieve it for a couple of weeks.

 

I was going to offer them a token payment each month as the debt is mine,

and Ive been paying various DCA's a token amount each month for it,

but whether RW accept it or not is open for debate.

Is that my best course of action for now or should I wait until I get my cra file?

 

Many thanks for all the advice Ive received here, Id be clueless without it and it's really appreciated.

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await cra file

 

debt could be dead or un-en

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Just a quick update

re: Robinson Way and the Cabot debt,

 

After requesting a CCA just got a letter back from them saying they are no longer managing the account.

..and all future payments must be sent to their client (Cabot) directly..

..yeah right.

 

...These clowns turned up on my doorstep regarding this and can't even produce the CCA when asked to.

 

Seems like they will try every trick in the book to get payment for what is now probably an unenforceable debt as they are the 2nd DCA that couldn't produce anything valid concerning it.

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you are learning!!

 

that cra file is going to be an eye opener i bet!

 

dont forget

 

if you are payig anyone

and they fail the 12+2 days CCA request

stop paying

fire off the failure to comply let.

 

i'd do that even with RW/Cabot

that'll put then inthere place..

 

ruddy fleecers!!

 

dx

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Lol thanks dx, I'll update when I get cra file....Ps. This site is fantastic!!

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Yep your not wrong there sl8yr, these companies will use every single trick in the book to con money out of people, people should never ever accept anything they are told by such laughable outfits, question everything, that is the only real protection people have.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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