Robinson Way harassing me

[freddotty]

I have received 2 letters from Robinson Way asking me to confirm that I used to live at an old address,

I left this address around 15 years ago.

 

I did not reply to either of these letters and (maybe foolishly) destroyed them.

 

I had previously had letters from MacKenzie Hall and eventually sent them a statute barred letter

as the debt they were referring to was not only one that I didn't recognise, but was over 6 years old.

 

Today I have had a phone call from Robinson Way which has made me feel quite scared.

 

I refused to go through their data protection as I recognised the name,

but I am very worried about what their next move might be.

 

I wish I had kept the letters now, but unfortunately on another forum I read that the best thing to do was to bin them.

 

Any advice please?

[renegadeimp]

Ignore their silly phone calls. The sole purpose of the calls is to harass you.

[Stigman]

As Renegadeimp says above, the sole purpose of the phone call is to harass, bully and intimidate you into making a payment.

 

Ignore the letters asking for you to confirm your previous details, it is for them to prove and not for you to confirm or deny.

 

Eventually, you will receive a demand through the post, when you receive this letter, send back the Statute Barred letter from the template section which can be found in the top tool bar "Library" in green.

 

When Robinson Way reply, come back and post up what they have to say.

 

Do not lose sleep over these cretins, just ignore and enjoy your day.

 

Stigman

[dx100uk]

if yo've already sent one SB letter to another fleecers

and this debt is def NOT on your CRA file

and you've def NOT made any payment for 6yrs

 

then you've nailed you colours to your flagpole.

 

DCA's get about 75% of their income by Fleecing people on debts they no longer owe

hoping they do not know their legal rights.

 

dx

[Ros1609]

Wait til they send you a letter which they no doubt will, check your CRA file and if the debt isn't on there then send the SB letter.

[freddotty]

I have had another phone call this morning, this time I was actually working (I work from home) so I told them I couldn't talk. How long is this likely to go on and at what point do I take action? I am feeling really stressed about this.

[dx100uk]

writing only put the phone down.

 

don't entertain them at all.

 

its the way they operate

[ericsbrother]

whistle down the phone or put it to one side for half an hour.

 

They wont be able to disconnect their end and they wont be able to harass the next person down the line.

 

Alternatively you can tell them that you are not the person they are looking for

(they certainly cant prove you are otherwise the previous palaver wouldnt have happened)

and tell them that you are recording the conversation to pass on to the Information Commissioner's Ofice

and FCA as a complaint for harassing you when they havent followed the DPA requirements

and do not authorise them to ever phone you again..

[Stigman]

Alternatively you can tell them that you are not the person they are looking for

 

Personally would not recommend getting involved in any conversation.

 

As already advised, just say "In Writing Only" and hang up.

 

Stigman

[freddotty]

I have had another phone call this morning,

this time an automated message asking me to choose an option. I put the phone down.

 

I have also had a third letter with details of who the alleged debt is owed to

with a reference number, account number and amount due.

I have no idea what this alleged debt is.

 

What do I do at this stage

- as I say, I have no idea what this debt is supposed to be,

I do not believe that I have any unpaid debts

- I suspect this is the same one that has been passed to Robinson Way by MacKenzie Hall.

 

Is there any way of finding out what the debt is?

 

I feel uncomfortable not knowing and worry that it will keep getting passed from one debt collector to another.

 

And how can I send a statute barred letter if I don't know when the debt was from?

 

Help please, this is really worrying me.

[Annie71]

If you have had a letter then send the prove it letter from the library.

If they then do prove it send the statute barred letter.

 

I say do it this way as you can not know if its statute barred or even yours unless they prove what the debt is

[renegadeimp]

Annies advice is spot on. Just make sure you header the letter ' I DO NOT ACKNOWLEDGE ANY LIABILITY TO ANY ALLEGED ACCOUNT TO YOU OR YOUR CLIENT.'

 

Use nice big red letters or something so they understand. They are known for ignoring the letters. Make sure to send it by royal mail recorded delivery, and track reciept.

[dx100uk]

have you checked your cra file

just to be sure it not been trashed?

 

dx

see below

[freddotty]

I have checked my credit report through Noddle and there is nothing showing, the address Robinson Way is not even on there (although I did live there over 15 years ago). I have a 5/5 credit rating and no trace of the alleged debt.

 

Can you please explain what you mean by "to make sure it has not been trashed"?

[dx100uk]

exactly that.

 

good nothing shows so well statute barred.

 

as annie said prove it letter now

or just cut direct to the SB letter

 

dx

[freddotty]

Thank you. I have the prove it letter ready to post. I will report back, thank you to everyone for your help so far

[Stigman]

I have checked my credit report through Noddle and there is nothing showing

 

Noddle has been known in the past for being out of date as they are the least used of the Credit Reference Agencies.

 

Be best to check with either Experian or Equifax, but please remember that a free trial is only for 30 calender days, if not cancelled your card will be debited by up to £14.99.

You can apply by post for £2 postal order as well for a full copy of your credit report.

 

Stigman

[freddotty]

I have just had my fifth phone call from RW and am still refusing to discuss the matter with them.

 

I sent the prove it letter which was received and signed for by them this morning.

 

I am still worried about all this,

I have already used Experian for a credit report previously

so would have to pay £14.99 to look at my report again,

 

I could try Equifax but does anyone have any experience of Check My File,

which claims to give the most detailed report?

 

These people really are horrible,

they are making me feel very vulnerable

and I want to set my mind at rest about this alleged debt,

of which I know nothing.

[Desperate Daniella]

Hi freddotty,

 

If they phone again just hang up or say you will be reporting them to FCA, ICO, Office of Fair Trading, Financial Ombudsman and the CSA (Credit Services Association).

 

Or just say, "Hold on for a minute," and leave them hanging on while you clatter about, hoover, listen to the radio, whatever.

 

They have had your letter which you can prove, and they must now respond.

 

I know it's awful to be harassed by these phone calls but unless they write back within 14 days with details of a genuine debt start reporting them for demanding money to which they have no legal right.

 

DD

[Jam_Buttie]

Don't answer the phone.

[dx100uk]

ignore then.

 

files clean

sit back and laugh.

 

dx

[Desperate Daniella]

You and I might do that but freddotty isn't happy to do that and is feeling vulnerable so I think wants to knock it on the head and get them to go away for good.

[dx100uk]

if the sb letter has been set to robbersway

they should not be harassing a debtor.

 

report them to the oft/fos ico etc etc

 

dx

[freddotty]

I have signed up for a month's free report with Equifax. There is nothing on my credit history apart from settled and up to date accounts. How come they have "found" this alleged debt? I can see that there is a "trace enquiry" from Robinson Way on the 10th of October, but I don't know what this means.

[dx100uk]

well they've done the same as you

looked for it to see if its 'live'

 

or they used the cra file to get your current details to harass you on.

 

this is the trouble with having

say a mobile contract

 

all you pers phone numbers get published so little fleecers can try their luck

on old dead debts

hoping they'll find a mug that don't know their rights

 

dx