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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
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Robinsons Way [HPH2 ltd]- fake payment - old Cap1 debt - help


reverof
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Hi all,

 

After hearing nothing for sometime, noticed

 

I received a letter (attached) for a Statute Barred debt from over 7 years ago from Robinson way saying

"Thank you for your payment, which leaves the balance as stated above.

We have agreed with you to pay your account by installments."

 

This has amazed me as I have not spoken to anyone let alone made ANY payment to them.

 

How do I go about making sure they are not trying to set me up ,

 

do i send the Statute Barred letter to data controller or do I need to adjust it

and add something in to request the alleged payment information (bank account etc)

 

Also noticed at bottom it says its gone to Hoist Group and Robinson Way are managing account ,

maybe Hoist Group have lied and said they agreed/spoke to me ?

 

This is totally fake and I would not/will not ring them ever so wanted to make sure I send the right letter to them.

This cant be legal surely for them to make up an agreement?

 

Thanks again in advance for all your help.

Edited by reverof
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Write to them,

do not phone,

ask when and what time the payment was made,

who made the payment,

how the payment was made and

where the payment was made.

 

 

it will be interesting to see what they come back with. send by recorded so that you can see they have received it.

 

if you can upload the letter in pdf format, the image is too small to read.

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Thank you for your reply ,

 

Yes I would/have never phoned them as do not trust any of them.

 

 

I can draw up a letter asking those questions ans put the line about not acknowledging the debt

however do you think it would be best to combine with the statute barred letter to data controller,

requesting them to cease action on the SB debt etc ?

 

Kills 2 birds with 1 stone or should I firstly ask about payment details as you said?

 

Thanks again

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Thank you , I am attaching another letter came around same-time from Hoist , shows 2 payments made within the same month - who on earth would do that ?!

 

Will get letter sent out and clearly state I do not acknowledge debt and its SB. Plus will include a section on alleged payments made and again state that I am concerned as it is potential fraud.

 

Ill send it to both Robinson and Hoist as on the letters it shows 2 different addresses , Manchester and Jersey in small print at bottom for Hoist.

 

Thanks again for the help will update if/when I hear back.

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Letters about SB and proof for rogue payments, have been sent to both Robinson Way and Hoist, have kept record of it all and sent tracked so hopefully they should stop their bogus claims.

 

Will update when/if I hear back and hope if anyone else gets anything like this this thread helps them too.

 

Thanks for all your help

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HPH2, hoist & robbers are all the same company

 

 

was this an overseas capital one card?

 

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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Hi Dxt

 

Nope UK card from years ago approx £2k total.

 

Im guessing they have made up a fake claim so they can say I agreed to pay back and then did not .

 

The 2 payments on the Hoist letter I attached 2nd show that I made 2 payments in the same month May 2014 ?

 

Never spoke with them and never made any offers/payments.

 

If I ever have to I would only do it in writing and why on earth would I pay twice in same month

= definatly a total lie, maybe to get me to ring in then they can say I agreed over phone or something.

 

Yeah noticed they have same address at top of letters,

however Hoist have a Jersey address and different company number so sent them both the same letter today

 

Will update when/if I hear back and thanks again for the help

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Once statute barred, it cannot become live again even if it was you who made a payment. You cannot claim payments back however, but they cannot 'un' statute bar it.

 

 

Have you checked your bank accounts etc to make sure they haven't taken it somehow ?

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Hi Conniff

 

Just checked now just in-case and there is nothing there on those dates they mention on letter 2 form Hoist. Have checked both my accounts and nothing mentioned so its totally made up. Must be a new tactic to get people to call in ?

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It's not new, it's usually with just a pound, there are a lot of reports in the forums of them, (and others), trying it on.

 

As it is statute barred, send them the letter saying it is barred and you will not be paying and they must leave you alone.

You don't have to send the letter, but they will probably continue to bug you if you don't.

Edited by Conniff
corrected typo
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Thanks for the advice, have sent letters to both addresses saying statue barred ( thanks to BRIGADIER2JCS from 2 years ago who helped with template for SB letter previously)

 

I added in a part saying they need to provide the proof letsgetitsorted mentioned : time, location, method and who made the alleged payments as I have never agreed to repayment plan or made a payment on a debt i do not acknowledge.

 

Thanks again for the help and will update if/when I hear from them

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Are you absolutely sure it is statute barred, they may be fishing.

 

I didn't ask because it says 7 years, but it is a very pertinent question also, are you sure these are your accounts ?

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  • 2 weeks later...

UPDATE : 28th July

 

Well I have had a response and I am gobsmacked!

 

They say that an "authorized representative" for me made payment to them and therefore the debt is not statue barred !

 

They then say they have attached a statement that shows payments totaling approx £100 and all the lines on the statement say they are "Cash Paid To Us" , all payments are this year and the real obvious lie is that they claim the last payment made was on the 22nd July 2014 - this is the day AFTER they received my Letter

 

I am totally amazed they are trying to say its not statue barred and now lieing totally about payments , no reference numbers nothing just "Cash Paid to US"

 

Any help is appreciated how do I make sure they stop this fraudulent claims ? What letter/action should I take next ?

 

Thanks for any help in advance

Edited by reverof
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Write back to Robbers Way...

 

You need to fully pin them down, who was this "Authorised Representative"?

 

If this person is authorised you need to see documentation giving your explicit approval that this person can act on your behalf.

 

You need full copies of all paying in slips so you can hopefully see either a name, dates so that the payments match, at what Bank Branch & Where the paying in location is?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Thanks Stigman,

 

There was no representative and why would anyone pay cash? - so basically I just write back telling them to show further proof of payments and who the representative is, where paid in and copies of slips etc ??

 

Or is it best to tell them to go away with a letter stating that I have no representatives and noone is/has ever been authorized to act on my behalf relating to any financial issues ever - also I can highlight the debt is statute barred still (as Conniff mentioned still SB can not be un-statute barred after 6 years) and they should cease activity on it etc

 

Want to make sure I am not saying wrong things as they are very dodgy , still can not believe the cheek - even adding another payment the day AFTER my SB/prove payments letter arrived with them !

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Make sure you tell them that you are issuing formal complaints to fos and fca. And that you will be taking legal advice.

 

I bet theyll either try one last attempt at lying or theyll say it was an admin error. If the latter you can call them out on it as theyve made it pretty obvious it isn't an error.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks Stigman,

 

There was no representative and why would anyone pay cash? - so basically I just write back telling them to show further proof of payments and who the representative is, where paid in and copies of slips etc ??

 

Or is it best to tell them to go away with a letter stating that I have no representatives and noone is/has ever been authorized to act on my behalf relating to any financial issues ever - also I can highlight the debt is statute barred still (as Conniff mentioned still SB can not be un-statute barred after 6 years) and they should cease activity on it etc

 

Want to make sure I am not saying wrong things as they are very dodgy , still can not believe the cheek - even adding another payment the day AFTER my SB/prove payments letter arrived with them !

 

 

 

Good morning Rev,

 

 

Responding to your PM.

 

 

RW or Hoist now run by Najib Nathoo ex 1st Credit so it's him who needs tackling here.

 

 

So:

Mr Najib Nathoo,

CEO Hoist Finance

Carolina Way

Quays Reach

Salford

Manchester

M50 2ZY

 

 

Date:

 

 

Ref: Use theirs:

 

 

Re: Formal Complaint:

 

 

Unauthorised Payments:

 

 

Dear Mr Nathoo,

 

 

I refer you to recent correspondence between Robinson Way and myself in regard to Statute Barred Debt allegedly arising from an account with xxxxxx in the sum of £ xxx.xx.

I have enclosed copies of all correspondence for clarity and the avoidance of any misunderstanding.

 

 

Please take note of the following points.

 

 

1. This alleged debt is statute barred and I will not make any payments now or in the future.

2. Robinson Way has claimed that an " Authorised Representative" has made a series of payments in regard to the alleged debt, the last on being made on xx.xx.xxxx.

3. I have not at any time authorised and such payments to be made by any 3rd party and have had no knowledge of the alleged payments until I received Robinsons Way's letter dated xx.xx.xxxx.

4. The alleged payments are totally refuted and are clearly false, any responsibility for the alleged payments is denied.

5. Robinson Way WILL now disclose the identity of the alleged authorised person.

6. Robinson Way WILL now provide me with a copy of the alleged authorisation document which must of course have my signature.

 

 

I require Robinson Way a company for which you are responsible as CEO to respond in full to this complaint. I am aware that a Formal Complaint allows Robinson way 56 days to investigate and respond, but due to the seriousness of this matter a prompt and complete reply is expected.

 

 

I reserve the right to make complaints to all relevant regulatory bodies regarding the conduct of Robinson Way and its fitness to hold a Consumer Credit Licence.

 

 

Add/Amend/Edit as required.

 

 

Send by signed for post, check delivery date:

 

 

Brig.

Edited by caro
  • Confused 1

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Thank you so much for your help renegade imp and of course brigadier - really really appreciated

 

Amazing advice and I hope anyone else that gets anything like me will be helped by my experiences too

 

Will get this sent off and update here if/when I hear back

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Whoever paid in these amounts must have been given a receipt. As the person paying in is your 'authorised' agent, ask for a copy of those receipts.

 

 

Will they say the didn't give receipts.

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Do they have a payment counter?

Do you live in the same part of the country as the address on their letter? if not, how far would you have needed to travel to make such a cash payment?

How would you actually pay these "people" cash?

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