Robinson Way - unknown debt - Ex RBS Style Card

[ims21]

What type of card are you using?

 

Alternatively you can sign up for the free trial of the major ones but make sure you cancel within the 30 day period to avoid being charged.

[Loanly]

visa debit

[ims21]

Well the card should be OK

 

You can apply for a postal report for £2 or as I say, get onto one of the main ones and go for the free trial but do remember to cancel within the 30 days.

 

Also bear in mind that Noddle is an offshoot and therefore some of their data may not be completely up to date.

[Loanly]

Nightmare. Cheers trying again.

 

Getting really annoyed with this now.

 

Next steps to complete your order

Unfortunately, we have been unable to activate your account online using the information that you have provided. Please contact our Customer Care Team to compelete your order.

 

using Equifax

 

Ok may I summarise everything so far as the thread has gone to a new page, and perhaps this thread may help somebody in the future going through a similar situation.

 

Equifax gave me my credit report. There is nothing suspicious, and no fraudulent activity, which of course was my main concern.

 

The only things listed on there are my bank accounts, which are all in green.

 

I see two 'Trace Enquiries' by this Robinson Way company, but nothing on my credit report that gives any indication as to why they are contacting me.

 

The "Prove it" letter is all you need at this stage.

 

Could you just clarify one thing for me please:

 

The template letter reads:

I have no knowledge of any such debt being owed to {INSERT CREDITOR NAME}.

Now - I don't know the name of the person/company they claim I owe a debt to, as they didn't give me this information, only the following:

 

Due to: HPH LTD (Ex Style)

Our Reference: *********

Account Number: ***************

Amount Due: £279.20

and I understand HPH LTD

IS

Robinson Way..?

 

Is there a standard paragraph I could add to this letter to enquire exactly who I am supposed to owe money to?

 

Apologies if I've misunderstood or repeated myself slightly, but it feels like it maybe isn't exactly the right letter to send - I just want to be sure.

 

Thanks for your patience.

 

Yes HPH (Hoist Port Folio) own the debt now.

 

I'll draft for you this afternoon, as this is not your debt I think your feeling is correct, just let me know if this is what you want.

 

If it's no trouble, it will be appreciated, and I will send it out as quick as I can print it.

[BRIGADIER2JCS]

The cards are required for ID purposes only, e.g., registered at your current address, it is normal verification procedure.

[Loanly]

Yes this was explained to me above, I get that now, but it didn't help as neither Noddle or Equifax have accepted my details anyway. :/

[ims21]

You could order the postal version for £2.

[Loanly]

Waiting to hear back from Equifax, having contacted them and provided some proof of ID

 

Long.

 

Will update the thread as and when.

 

Thanks for all the help so far.

[Loanly]

Hello again

 

 

Equifax finally gave me my credit report. Looking at it, there is nothing suspicious on there which of course I am thankful for.

 

There appears to be no fraudulent activity, which of course was my main concern.

 

The only things listed on there are my bank accounts, which are all in green.

 

I see two 'Trace Enquiries' by this Robinson Way company.

 

So, this is all rather strange.

 

What now?

 

Ok give me a while to compose a missile and I'll get back!

 

@BRIGADIER2JCS

 

Any joy with this? Or were you going to link me to the 'prove it' letter that @ims21 mentioned or perhaps you had something similar in mind.

 

As I explained in my post above I have nothing on my credit report that could give any indication as to why Robinson Way are contacting me.

 

Thanks in advance

[ims21]

The "Prove it" letter is all you need at this stage.

[Loanly]

Could you just clarify one thing for me please:

 

The template letter reads:

I have no knowledge of any such debt being owed to {INSERT CREDITOR NAME}.

 

Now - I don't know the name of the person/company they claim I owe a debt to, as they didn't give me this information, only the following:

 

Due to: HPH LTD (Ex Style)

Our Reference: *********

Account Number: ***************

Amount Due: £279.20

 

and I understand HPH LTD is Robinson Way..?

 

Is there a standard paragraph I could add to this letter to enquire exactly who I am supposed to owe money to?

 

Apologies if I've misunderstood or repeated myself slightly, but it feels like it maybe isn't exactly the right letter to send - I just want to be sure.

 

Anyhow It will be interesting to see how they reply eventually.

Edited February 20, 2014 by Loanly

[ims21]

OK much appreciated, will copy the Prove-It letter now and post it to Robinson Way this afternoon.

 

Make sure you check it and amend to suit before printing and posting.

[Loanly]

sorry I edited my post above, could you check please...many thanks

[BRIGADIER2JCS]

Hi loanly,

 

Not forgotten just waiting for the CRA data, I can still draft a letter or you can use the "prove it " letter.

 

Yes HPH (Hoist Port Folio) own the debt now.

 

I'll draft for you this afternoon, as this is not your debt I think your feeling is correct, just let me know if this is what you want.

 

Within an hour approx. just cleaning up after a small flood.

 

OK Time to ignore the threat monkeys at Robbers Way and go to the top at Hoist Portfolio.

With just a copy to RW.

I will save and edit on return whilst writing this.

 

Private & Confidential

 

For the Personal Attention of:

 

Mr Najib Nathoo

CEO

Hoist Portfolio Holdings 2

First Floor Le Mesurier House

Rue Le Mesurier

St. Helier

Jersey

JE2 4YE..

 

Date...........:

 

Ref: Robinson Way Ref:....................:

 

Re: Formal Complaint:

 

Dear Mr Nathoo,

 

I write in reference to contact being made by your " collection agency" Robinson Way regarding an alleged debt supposedly purchased by Hoist Portfolio Holdings 2 from CL Finance.

 

Please take note I do not acknowledge any debt to Hoist Portfolio Holdings 2.

 

For clarification and for the avoidance of any misunderstanding I Mr xxxxx xxxxxx have now knowledge of any debt to CL Finance or any company that from which it may have acquired this alleged debt.

 

I have not been a customer of any lender, finance company, or credit card provider, my financial arrangements consist on of bank account (s) [ amend if needed] and I have therefore no outstanding credit debts.

 

Having checked my credit reference files I have found that there are no entries for any outstanding credit debts of any age.

 

From this I have concluded that I am not the debtor you seek and I deny all liability.

 

I remind you of the OFT Guidance on debt collection 2003/2006 (up dated Nov. 2012 ) and the following sections.

 

Deceptive and/or Business Methods.

 

Section 3.8 Dealings with (alleged) debtors are not to be deceitful and or unfair.

 

Section 3.9 (a) Sending demands for payment, by any means. to an individual,

when it is uncertain whether he is the actual debtor.

 

(b). Disclosing debt details to an individual when it is uncertain that he is the actual debtor.

 

(j). Requiring an individual to prove he is Not the actual debtor who owes an outstanding debt.

 

Given the information here in I require Hoist Portfolio Holdings 2 to instruct its agent Robinson Way to cease all contact in any manner and to remove All reference and data relating to me from its records with immediate effect.

 

HPH 2 will confirm in writing that it has complied with these requirements within 7 working days.

 

Any further " debt collection" activity from HPH or any associated company or agent will be treated as harassment, and I remind you of the recent judgement Robertson -v-BOS.

 

This letter is being copied to Robinson Way.

 

OK loanly??

[Loanly]

Sorry I didn't get to see this earlier, I had to go out and didn't get back until late.

 

Looks amazing thanks - I really don't think I would have had the confidence to come up with anything like that by myself.

 

Will be posting to them first thing tomorrow morning.

 

 

Just one thing:

 

the recent judgement Robertson -v-BOS.

 

Any info on that? A quick google didn't bring up anything that seemed particularly relevant.

 

Cheers

[dx100uk]

think this is it:

 

http://www.scotcourts.gov.uk/opinions/2011CSOH84.html

 

dx

[BRIGADIER2JCS]

Thanks dx.

[punkoala]

Hello everyone,

 

I've been following a number of threads on here when I received a letter from the nice people at Robinson Way and started doing some research.

 

I've noticed that when some people have requested a CCA, Robinson Way have used the postal order towards the debt, so using some off the structured letters on the forum I've drifted a letter of my own.......

 

[removed]

 

So I'm now just waiting for Robinson Way to produce a document with my signature on stating that in fact I owe this debt.

 

I will keep everyone updated with this

[BRIGADIER2JCS]

Any cheque or PO sent to a DCA for a SAR or CCA request should be clearly marked " For Statutory Fee Only"

Take a Photocopy of it.

[Loanly]

Hello - thanks for all the help with this, drafting the letter etc, back in February. Sorry I didn't get back to the thread any sooner, it slipped my mind as I've been very busy with other things.

 

I finally received a reply from them towards the end of April.

 

Dear ***************

 

RE:Hoist Portfolio Holding Limited - Ex RBS Style Card

Account Number: ***************

 

I refer to recent communication in which you made a complaint to us regarding your account listed above. My understanding of your complaint is that you are unhappy we have contacted you in relation to an account which you do not believe you owe.

 

I am sorry you have had cause to complain and I thank you for bringing the matter to my attention. I have investigated the issues you have raised and I am now in a position to report my findings.

 

Having reviewed this matter, I can see that your address was located via a trace; however, due to the age of the account we have been unable to obtain any further information. Therefore, I have partially upheld your complaint in this instance and apologise for any inconvenience this may have caused you.

 

I can confirm that we will not make any further attempts to contact you in relation to this matter.

 

I trust you are satisfied with my explanation which you may regard as our final response to your complaint. However, if after consideration, you remain dissatisfied you have the right to refer your complaint to the Financial Ombudsman Service. You must do this within six months of the date of this letter. Enclosed is a leaflet produced by the Financial Ombudsman Service, for your information.

 

(illegible signature, no printed name)

 

Hmm. This part really annoyed me:

 

...regarding your account listed above.

 

Well of course it isn't my account as like I said I haven't taken out credit... feels they are still pinning it to me :/

 

This part annoyed me more:

 

due to the age of the account we have been unable to obtain any further information. Therefore, I have partially upheld your complaint in this instance and apologise for any inconvenience this may have caused you.

 

Doesn't really feel like a genuine apology. Especially their use of "partially" - makes me wonder which part of the complaint are they abiding by and which part are they dismissing...

 

Not happy with their response despite assurance they will not attempt to contact me about it again.

[dx100uk]

typical fleecing tactics

 

opps you caught us out.

 

the OFT would be happy to see this letter i'd bet!

 

just think if you'd not found CAG

 

you'd be another of the 100'000's of MUGS that think these DCA's have the powers

to just take/fleece money from you.

 

sadly 75%+ I bet of debts are paid this way

goes direct to THEIR POCKET to enable them to fund fleecing people

 

dx

[2Grumpy]

Try the Financial Ombudsman. They are useless and just about take the side of the companies in my experience, however it will cost RW for their trouble.

 

Have you checked that they haven't trashed your credit record?

[BRIGADIER2JCS]

The FCA is the body to complain to.

[ScarletPimpernel]

I suspect that the reason DCAs never wholly admit to their incompetence in cases like this is because to do so would be an admission of their disregard for the regulatory rules that they are obliged to adhere to, and that might well come back to bite them if a complaint is made.

 

We all know that DCAs fail to carry out any sort of due diligence where tracing and documentation is concerned, and we know why; as mentioned above, some people will pay up anyway, and few complain. It is, though, worth a complaint, because the FCA are proving stricter than the OFT.

[BRIGADIER2JCS]

Well said!!!