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DCA meeting tomorrow - help !


spacehopper
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Hi everyone,

 

I would appreciate any input to help me on my way.

 

I'm not a bad person (you'll have to take my word!).

I had a Credit Card with Providian which became Monument, which they closed on 1st June 2004 after defaulting. This was after a period of considerable financial strain and redundancy.

Since then (they didn't have a phone number for me), I ignored letter after letter. I hoestly was just waiting to be taken to court so they could means test me and I'd pay what I was told. the letters kept coming, threatened visits never materialised, court action never happened.

 

Debt was eventually sold onto Cabots may 2006, with Robinson Way acting for them.

 

But then it happened ! Robinson Way came to my door. The debt is now £4850+, when it defaulted it was £4100 (Cabot have been adding interest). I asked the guy (quite pleasant) to come back Monday evening.

 

What can I do now to minimise how much I have to pay ? Can I produce a CCA request for Robinson Way or does it have to go to Cabot?

sorry I'm rambling .....

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Hi everyone,

 

I would appreciate any input to help me on my way.

 

I'm not a bad person (you'll have to take my word!).

I had a Credit Card with Providian which became Monument, which they closed on 1st June 2004 after defaulting. This was after a period of considerable financial strain and redundancy.

Since then (they didn't have a phone number for me), I ignored letter after letter. I hoestly was just waiting to be taken to court so they could means test me and I'd pay what I was told. the letters kept coming, threatened visits never materialised, court action never happened.

 

Debt was eventually sold onto Cabots may 2006, with Robinson Way acting for them.

 

But then it happened ! Robinson Way came to my door. The debt is now £4850+, when it defaulted it was £4100 (Cabot have been adding interest). I asked the guy (quite pleasant) to come back Monday evening.

 

What can I do now to minimise how much I have to pay ? Can I produce a CCA request for Robinson Way or does it have to go to Cabot?

sorry I'm rambling .....

 

CCA RW. The Providian info will long since have been shredded.

  • Haha 1

"Why CCJ when you can CCA!"

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When the guy comes back this evening, politely tell him that you are taking advice and ask him to leave. Remember, he has no powers of entry and no more rights than your paperboy.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Hand him your CCA request with a £1 chq and tell him to politely go away as this debt is in dispute. Do not argue with him or get into offering payments. Tell him from now on you will only deal wit him in writing.

But first off are you sure there is no CCJ on this account.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Agree with gizmo111, as long as there's no CCJ hand the guy your CCA request but also inform him that he'll be trespassing if he does comes back and that any future communication must be in writing.

 

Good luck, Dave.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

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Thank you everyone, excellent advice and well received.

I can confirm there is no CCJ for this. Today I have sent Robinson Way (Salford Head Office) the CCA request with the £1 cheque via recorded courier. The local collector received a copy of the letter, along with the advised "this debt is in dispute" speech. He left slightly bemused that all his well practised "how much can you afford to pay tonight?" routine fell on deaf ears.

 

I'll keep you posted.

Thanks again, your advice has let a chink of light through an awfully big dark cloud that has followed me for years.

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"Salford Head Office"

 

Their Quays Reach, Carolina Way address is not their head office, Mount Street, Manchester is. Just for info... It'll still get there.

 

Fun & games;

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/71386-diskmandave-robinson-way-co.html

 

Happy reading! ;)

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

--

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  • 2 weeks later...

Hi spacehopper,

if you want to complain further then my advice would be to wait until the calender month has expired. Once the second deadline has expired, then you can start to complain further!!

good stuff so far!

Red

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Spacehopper, it's best to WAIT.

They know the time frames ;)

 

Now is the time to get all your documentation togather and make sure ll contact is logged.

Once they pass 12+month keep waiting until they demand payment. Once they do it's time to make a report to Trading Standards for non-compliance of CCA.

When dealing with TS bear in mind that they have a very difficult job to do so deal with them in a calm and professional manner. Ranting and raving and demanding action will get you no where fast.

 

Good luck and keep us posted.

Be VERY careful whose advice you listen too

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