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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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Robinson Way Daily Address History Checks


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just wondering if anyone else is having this problem of robinson way doing credit report address history checks everyday for the past month?

 

 

i have already cca'd and heard nothing back except we cannot retrieve your consumer credit agreement.

 

 

anyones views or advice would be really helpful.

Edited by Jet29
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yes i've contacted them numerous times no reply

 

 

im more wondering about the law etc as they have not requested my permission to access my credit report

and in regards to how its affecting my credit report as there's an address search everday since i cca'd them from 1st feb until 22nd feb.

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They shouldnt be checking it every day like that. What are the searches recorded as? Are they hidden searches or seen by any lender.

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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never heard anything

 

 

just one letter saying they couldnt retrieve the cca from the original creditor

 

 

which took them 2 months to send me after my request and

 

 

it just said we'll keep you updated no further action.

 

 

debt collection searches?

 

 

im on noddle there just in the address history searches everyday since 1st feb.

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im more wondering about the law etc as they have not requested my permission to access my credit report

 

Hi Jet, Welcome to CAG,

 

I am assuming Robinson Way own the debt?

If they do then Robinson Way have bought the rights to update your Credit File but correctly, the default date must not change from the original, the Original Creditor must then remove their default and return the balance to zero along with a satisfied marker.

 

You need to write to Robinson Way giving them x amount of days to remove all data, if not report & complain to the Information Commissioners Office.

The frequency of the searches are excessive and unnecessary.

 

A check on who you are should not be visible or disclosed to other lenders.

 

If you have done a CCA request then this must be either a loan or credit card? Check all of your statements and claim all of the late charges/letter & telephone charges and any PPI if it was applied, please do not use a Company to reclaim PPI, you can do it yourself for free here, any problems just ask.

If you do not have all of your statements these can be obtained by sending the Original Creditor a Subject Access Request, this does cost £10, likewise, all reclaims goes to the Original Creditor and not Robinson way.

 

Stigman

  • Confused 1

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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Hoist Portfolio are stated as the debt owner which i know is a sub company of robinson way

 

 

.in regards to the loan it was at santander for 2 years after default

never heard a thing paid pretty much all it back

then through another debt collection company

then it was passed back to santander

then i received a dodgy looking letter stating hoist porfolio had purchased the remainder of the debt under £1000.

 

 

i've had about 20 calls from robinson way throughout december

never answered

then i cca'd them end of december

never heard anything since except a letter as i stated above

about not being able to obtain the cca as the company no longer exists i had the loan with.

 

 

thanks for your help.

 

 

in regards to the charges

 

 

the loan would have finished in 2011

santander have been putting £30 interest charges on every yearly statament

since it was passed back to them in 2011 but now sold on to hoist portfolio.

 

thanks stigma

 

 

i'll sar santander and

 

 

i've sent robinson way a message requesting they remove all the address history

checks off my credit report again.

Edited by Jet29
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You asked whether anyone else is having this happen to them.

 

 

Well Santander recently off loaded 270,000 non-performing accounts to Hoist,

mostly former Abbey / cahoot , Alliance and Leicester , Bradford and Bingley - so the answer to your question must be yes.

 

Much more important than the address checks [unseen to others, btw]

is the fact that R W [Hoist's subsidiary] are using them as part of the pre-litigation assessment process.

 

 

Some court claim cases have started trickling through onto the forum.

 

 

I'd be looking at them if I were you, especially if you have assets or disposable income.

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You asked whether anyone else is having this happen to them. Well Santander recently off loaded 2,700 non-performing accounts to Hoist, mostly former Abbey / cahoot , Alliance and Leicester , Bradford and Bingley - so the answer to your question must be yes.

 

Much more important than the address checks [unseen to others, btw] is the fact that R W [Hoist's subsidiary] are using them as part of the pre-litigation assessment process. Some court claim cases have started trickling through onto the forum. I'd be looking at them if I were you, especially if you have assets or disposable income.

 

Thanks for the reply so in your view it seems like there trying to obtain daily information on my finances to build a claim up against me?

 

 

I have no assets

Im living at my parents and have no job since september 2014

and every account stated on my credit report is showing zero both credit cards maxed out.

 

 

my only source of income is jsa at the moment.

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Sleep sound in your bed then. If you have nowt they can get nowt. They will just threaten you but unlikely to be daft enough to take legal action.

 

As I stated above never heard anything after I sent cca request in dec 2014 then received a letter stating they couldnt get the cca from the creditor

and no further action was needed until they get the cca to send to me.

 

 

then I checked my credit report today and found daily debt collection markers from rw on previous address searches.

 

 

just wondered what they were trying to do as I have absolutely no experience or knowledge of debt collectors.

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Thanks for the reply so in your view it seems like there trying to obtain daily information on my finances to build a claim up against me? I have no assets Im living at my parents and have no job since september 2014 and every account stated on my credit report is showing zero both credit cards maxed out.my only source of income is jsa at the moment.

 

They wouldn't need to check your file daily to build up a claim against you, most (not all ) references on a file such as CC/ Current Accounts/ DCA are updated monthly.

 

I see no logical reason as to why RW would do this, either you're reading the file wrong or RW have a system glitch somewhere.

 

If you are intent on writing/sending a message to RW, I'd make it formal and ask for the reasons as to why they feel the need to be looking in on your file daily, the formal side helps

if you want to progress to making a complaint against them to whomever, ICO (paper trail and all that). You should also ask that unless a valid/verifiable

reason is given that you'll be speaking to the ICO etc etc.

 

Any letter sent, send Signed For, and don't sign with your regular signature.

 

For your info, RW about 3 years ago were phoning me daily, several times a day for around 4 months anything from 7.30am in the morning to 9pm and sometimes later at night, always the same automated reply, in the end I changed to a new number just for RW . blocked all other incoming calls and set it so RW's numbers made it through the filter

and then set up a redirect for them. I redirected it to their own offices. Took a week but in the end they stopped calling. Debt they were attempting to collect on was stat barred anyway.

I reside in Dawlish Warren but am not a rabbit.

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Wouldn't be writing to R W if I were you. Even if the daily soft searches carried on. They would soon stop though. The less u wave your arms about the less they'll notice you. They can't do much if you've no assets and they've no CCA, but their mail can get irritating.

 

By all means complain to ICO if you want to be public spirited.

 

 

You say you've no experience of DCAs yet previously you said you'd paid one for some time. You ought to have learnt from that mistake what they're like.

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