ShedAnd Unenforcability Diary

[Deepie]

Re: ShedAnd Unenforcability Diary

Hi all please see letter dated 21/02/2014 from robway, I think this 1 needs a reply, thanks in advance.

• I'd send this if it were me---> Threat by Creditor - Threat-o-Gram Letter Before Action

[ShedAnd]

Re: ShedAnd Unenforcability Diary

ROBINSON WAY LTD

Type of account (credit card/loan) unknown

Date commenced Before 2004
Approx balance: £3044.25

Date last paid: Before 2004

Are you on arrangement or not paying: DMP

Status: Unknown

Account owner: Robinson way ltd, ex sainsburys

17 Nov 2012 CCA Request sent

23/11/2012. LETTER RECEIVED: Asking for name change confirmation with documentation and previous address.

26/11/2012. CCA request resent in maiden name.
6/12/12. Letter received. Following your request, we have today asked for a copy of the agreement/statement to verify that you are liable to pay the amount due.

Your a/c has been placed on a temporary delay pending receipt of this documentation and we will contact you again in due course.

23/01/2013: CCA request Received, sent to Niddy.
Confirmed no perscribed terms.

13/02/13 Letter off em!

We refer to your resent correspondence in which you claim this account is not enforceable.
We are satisfied that the documentation provided is sufficient to demonstrate liability and we will not enter into repetitive correspondence regarding this.
Your data will continue to be processed in line with the principles of the data protection Act 1998 and the account will continue to be reported to the credit reference agencies, where appropriate.if you neglect to make payment to us, further action will be taken against you.
We require payment proposals within 14 days.

07/03/13: Reply sent, thanks Scabhunter.

“Dear Sirs,

I am in receipt of your letter dated xx/xx/xxxx, and note its contents.

In response, I refer you to my previous letter of xx/xx/xxxx, in which I have outlined my position. If you dispute that position, it is your responsibility to demonstrate why, and not to send out routine templates which have no relevance to the actual situation. Your unsupported and ludicrous assertion that you are “satisfied that the documentation provided is sufficient to demonstrate liability” is entirely inconsistent with the position of the law itself, namely the Consumer Credit Act 1974, as referred to in the previous communication.

Note also that as a commercial operation, you are in no position to “require” anything. I suggest that you moderate the tone of your communications in future, as any further abusive or misleading communications will result in the submission of a formal complaint, which may be escalated to the relevant regulatory authorities.

Yours Faithfully,”


13/03/13: Letter again,
We agreed an affordable payment plan with your money advice agency, but we have not received the payments as promised. If you have made payment to us in the last few days please ignore the letter.
Otherwise please make payment of the overdue sum as soon as you can blah blah blah.
IGNORED!
16/03/13: Another letter.
We write to acknowledge the above complaint received by yourselves.
The matter will be investigated thoroughly by our complaints and compliance department and we will report our findings directly to the complainant and we will contact you again ASAP, but certainly no later than 4 weeks time.
We will eagerly wait.

04/05/13 letter off em.
See attached.

27/05/13: Letter sent to em, Final response (CCA received)

11/06/13: letter off em.

Further to your recent correspondence, contents of which have been noted.

After reviewing the account we have made our position perfectly clear and will not enter into repetitive correspondence regarding this matter.

As previously advised we believe that the documents supplied comply fully with the requirements of the Consumer Credit Act 1974. However any assertions that the agreement is UE would be for the matter for a court to determine, should either party wish to enter into litigation.

In the absence of any alternative dispute, we now require your proposals for payment within the next 14 days. After this time collection activity will resume on your account or we may transfer your account to our firm of solicitors who may commence legal action against you.


29/06/13: letter off DRYDENSFAIRFAX.


We have been instructed by our clients agent, robinson way, in relation to the above outstanding debt. legal action mey be taken against you unless you take steps to resolve this matter within 10 days of the date of this letter.
to avoid further action you should either, Make payment in full, Pay what you can now and agree an affordable repayment arrangement to repay the remainder by contacting robinson way on 0845605***.

payment should be made...blah blah blah...

Any court action may result in additional court fees. blah blah blah.....

15/07/13, Threat to Commence Litigation letter sent.

18/07/13: letter off them.

As we have been unable to contact you via any other way, we may now arrange for a doorstep collection agent to call at your address to agree an affordable payment plan with you, dependant on your personal circumstances.

To avoid the matter being escalated to this next stage of the debt collection process involving a home visit, please contact this office to discuss your circumstances and to agree an affordable payment plan directly with us.

05/09/2013: letter off em.

We have sent you a number of letters, tried to telephoneyou, and our doorstep collection agent may have called at your home, but youraccount remains unpaid.
The full balance is due and payable, but this may not beaffordable.
Note: We can offer a reduction to the balance owed to settlethis account depending upon your circumstances. To help settle this account youmay even be able to pay the reduced balance by instalments you can afford, andwill be able to maintain.

Ignored

Received a letter off em: 03/02/2014

Immediate Action Required
This is a notice about your unpaid account which is in our hands to collect. We are authorised to negotiate repayment of the account with you
Act Now Call us without delay
To pay using a your card, or you can pay online at : www.robway.co.uk or use the slip overleaf
Tell us if you cannot pay in full we will agree an affordable payment plan that you can keep up
Take Notice
If you fail to pay and neglect to deal with account further action may be taken to recover the amount due.


Letter off em, 21/02/2014

Important….Do not ignore

Our Client has authorised us to recover the full amount you owe, shown above
Note: Unless you pay, or agree an affordable payment plan with us without delay, we may consider taking court action to recover the amount due
If court action is taken and a court considers your failure to pay to be due to your refusal or neglect to pay, an order for repayment may be made. If you fail to pay in accordance with a court repayment order, the following may occur

An application to the court to enforce repayment
Future credit, especially mortgages, may be difficult to obtain
This account may continue to worry you
Unpaid Debts don’t just go away, or get forgotten no matter how much people want to happen. Call us to pay, or agree a payment plan, directly, If you prefer you can deal with online at: www.robway.co.uk or by email: payline@robinson.way.com


Letter off em 28/02/14 We know how easy it is for debts to mount up, and how worrying it is to work out how to pay them. we want to help you to clear up this debt once and for all.

Call us today - we can agree a reduced balance you can pay to settle this acc, and you may be able to pay the reduced balance by affordable instalments. Our collection agents are waiting to take your call.

ACT NOW! - If we do not receive a response from you we will have no alternative but to take further action.
TELL US! - You must tell us if you cannot pay. we will help you if we can.

if you have problems paying this account it is still better to talk to us,0000 or online or email.

Letter off robway I think it crossed in the post with the letter we sent them back last week.

Thanks in advance.

[ShedAnd]

Re: ShedAnd Unenforcability Diary

ROBINSON WAY LTD

Type of account (credit card/loan) unknown

Date commenced Before 2004
Approx balance: £3044.25

Date last paid: Before 2004

Are you on arrangement or not paying: DMP

Status: Unknown

Account owner: Robinson way ltd, ex sainsburys

17 Nov 2012 CCA Request sent

23/11/2012. LETTER RECEIVED: Asking for name change confirmation with documentation and previous address.

26/11/2012. CCA request resent in maiden name.
6/12/12. Letter received. Following your request, we have today asked for a copy of the agreement/statement to verify that you are liable to pay the amount due.

Your a/c has been placed on a temporary delay pending receipt of this documentation and we will contact you again in due course.

23/01/2013: CCA request Received, sent to Niddy.
Confirmed no perscribed terms.

13/02/13 Letter off em!

We refer to your resent correspondence in which you claim this account is not enforceable.
We are satisfied that the documentation provided is sufficient to demonstrate liability and we will not enter into repetitive correspondence regarding this.
Your data will continue to be processed in line with the principles of the data protection Act 1998 and the account will continue to be reported to the credit reference agencies, where appropriate.if you neglect to make payment to us, further action will be taken against you.
We require payment proposals within 14 days.

07/03/13: Reply sent, thanks Scabhunter.

“Dear Sirs,

I am in receipt of your letter dated xx/xx/xxxx, and note its contents.

In response, I refer you to my previous letter of xx/xx/xxxx, in which I have outlined my position. If you dispute that position, it is your responsibility to demonstrate why, and not to send out routine templates which have no relevance to the actual situation. Your unsupported and ludicrous assertion that you are “satisfied that the documentation provided is sufficient to demonstrate liability” is entirely inconsistent with the position of the law itself, namely the Consumer Credit Act 1974, as referred to in the previous communication.

Note also that as a commercial operation, you are in no position to “require” anything. I suggest that you moderate the tone of your communications in future, as any further abusive or misleading communications will result in the submission of a formal complaint, which may be escalated to the relevant regulatory authorities.

Yours Faithfully,”


13/03/13: Letter again,
We agreed an affordable payment plan with your money advice agency, but we have not received the payments as promised. If you have made payment to us in the last few days please ignore the letter.
Otherwise please make payment of the overdue sum as soon as you can blah blah blah.
IGNORED!
16/03/13: Another letter.
We write to acknowledge the above complaint received by yourselves.
The matter will be investigated thoroughly by our complaints and compliance department and we will report our findings directly to the complainant and we will contact you again ASAP, but certainly no later than 4 weeks time.
We will eagerly wait.

04/05/13 letter off em.
See attached.

27/05/13: Letter sent to em, Final response (CCA received)

11/06/13: letter off em.

Further to your recent correspondence, contents of which have been noted.

After reviewing the account we have made our position perfectly clear and will not enter into repetitive correspondence regarding this matter.

As previously advised we believe that the documents supplied comply fully with the requirements of the Consumer Credit Act 1974. However any assertions that the agreement is UE would be for the matter for a court to determine, should either party wish to enter into litigation.

In the absence of any alternative dispute, we now require your proposals for payment within the next 14 days. After this time collection activity will resume on your account or we may transfer your account to our firm of solicitors who may commence legal action against you.


29/06/13: letter off DRYDENSFAIRFAX.


We have been instructed by our clients agent, robinson way, in relation to the above outstanding debt. legal action mey be taken against you unless you take steps to resolve this matter within 10 days of the date of this letter.
to avoid further action you should either, Make payment in full, Pay what you can now and agree an affordable repayment arrangement to repay the remainder by contacting robinson way on 0845605***.

payment should be made...blah blah blah...

Any court action may result in additional court fees. blah blah blah.....

15/07/13, Threat to Commence Litigation letter sent.

18/07/13: letter off them.

As we have been unable to contact you via any other way, we may now arrange for a doorstep collection agent to call at your address to agree an affordable payment plan with you, dependant on your personal circumstances.

To avoid the matter being escalated to this next stage of the debt collection process involving a home visit, please contact this office to discuss your circumstances and to agree an affordable payment plan directly with us.

05/09/2013: letter off em.

We have sent you a number of letters, tried to telephoneyou, and our doorstep collection agent may have called at your home, but youraccount remains unpaid.
The full balance is due and payable, but this may not beaffordable.
Note: We can offer a reduction to the balance owed to settlethis account depending upon your circumstances. To help settle this account youmay even be able to pay the reduced balance by instalments you can afford, andwill be able to maintain.

Ignored

Received a letter off em: 03/02/2014

Immediate Action Required
This is a notice about your unpaid account which is in our hands to collect. We are authorised to negotiate repayment of the account with you
Act Now Call us without delay
To pay using a your card, or you can pay online at : www.robway.co.uk or use the slip overleaf
Tell us if you cannot pay in full we will agree an affordable payment plan that you can keep up
Take Notice
If you fail to pay and neglect to deal with account further action may be taken to recover the amount due.


Letter off em, 21/02/2014

Important….Do not ignore

Our Client has authorised us to recover the full amount you owe, shown above
Note: Unless you pay, or agree an affordable payment plan with us without delay, we may consider taking court action to recover the amount due
If court action is taken and a court considers your failure to pay to be due to your refusal or neglect to pay, an order for repayment may be made. If you fail to pay in accordance with a court repayment order, the following may occur

An application to the court to enforce repayment
Future credit, especially mortgages, may be difficult to obtain
This account may continue to worry you
Unpaid Debts don’t just go away, or get forgotten no matter how much people want to happen. Call us to pay, or agree a payment plan, directly, If you prefer you can deal with online at: www.robway.co.uk or by email: payline@robinson.way.com


Letter off em 28/02/14 We know how easy it is for debts to mount up, and how worrying it is to work out how to pay them. we want to help you to clear up this debt once and for all.

Call us today - we can agree a reduced balance you can pay to settle this acc, and you may be able to pay the reduced balance by affordable instalments. Our collection agents are waiting to take your call.

ACT NOW! - If we do not receive a response from you we will have no alternative but to take further action.
TELL US! - You must tell us if you cannot pay. we will help you if we can.

if you have problems paying this account it is still better to talk to us,0000 or online or email.

14/03/14 Letter off them:

Important..please contact us

Your account still remains unpaid despite previous letters and calls. Your account is due to be transferred to our solicitors, drydensfairfax in the next ten days, who may consider court action
If you would rather agree an affordable repayment plan directly with us to prevent this account been passed to our solicitors please contact us without delay
If you prefer you can deal with your account online at out website www.robway.co.uk or you can email us at payline@robinson-way.com

Hi All, Thanks for your help so far I have received another letter of robway please see letter dated 14/03/14, Thanks in advance.

[ShedAnd]

Re: ShedAnd Unenforcability Diary

Hi All, Thanks for your help so far I have received another letter of robway please see letter dated 14/03/14, Thanks in advance.

Hi do I need to send a letter to this 1 thanks.

[MrsD]

Re: ShedAnd Unenforcability Diary

they are so thick!

I'd send off a one liner reiminding them of your last letter

something like

Dear Halfwits

I refer to your letter of blah blah

Can I refer you to the lettter of blah blah received at your office on blah blah

up your bum with a big jaggy thistle

Shed

[ShedAnd]

Re: ShedAnd Unenforcability Diary

they are so thick!

I'd send off a one liner reiminding them of your last letter

something like

Dear Halfwits

I refer to your letter of blah blah

Can I refer you to the lettter of blah blah received at your office on blah blah

up your bum with a big jaggy thistle

Shed

Cheers MrsD, I am sending this tomorrow.

I refer to your letter dated 12/03/2014 of solicitor threats.

Can I refer you to the letter sent to your office on and dated 26/02/2014, Read it! And stop sending letters of threats until you decide to respond to me with an actual reply and refrain from sending computer generated drivel.

[ShedAnd]

Re: ShedAnd Unenforcability Diary

CL FINANCE.

• Type of account: Loan
• Date commenced: before 2004
• Approx balance: £12763.42
• Date last paid: Before 2004
• Are you on arrangement or not paying: DMP
• Status: unknown
• Account owner: CL Finance
• Original Creditor: HSBC BANK PLC

17 Nov 2012, CCA Request sent.
4/12/12: Not heard from them as to date.

04/05/13: Finally got a reply:

We acknowledge receipt of your letter dated 1st may 2013 (it was dated 17/11/12) in which you requested a copy of your credit agreement under section 77 or 78 of the consumer credit act 1974.

Please note that we do not currently hold a copy of the required document on site. Therefore, we are in the process of retrieving a copy for you. We confirm that while your request remains outstanding, enforcement action will not be taken against you.

Please note that although the agreement may not be enforceable while your request for a copy of it remains outstanding, this does not mean that your debt is wiped out. Any outstanding debt is still owed and you must continue to make payments. If you do not make payment then we will be entitled to request payment from you. We may also pass details of any default to a credit reference agency and pass your information to a debt collector. This view is shared by the OFT.

Letter off em 08/10/2013,

We write further to communications in which you requested acopy of your agreement under section 77/78 of the Consumer Credit Act 1974
We can confirm that until such a time when we are in aposition to provide a copy, there will be no enforcement action taken againstyou.
Please note that although the agreement may not beenforceable while your request for a copy of it remains outstanding, this doesnot mean that your debt is wiped out. Any outstanding debt is still owed andyou must continue to make payments. If you do not make payment then we will beentitled to request payment from you. We may also pass details of any defaultto a credit reference agency and pass their information to a debt collector.This view is shared by the Office of Fair Trading.

Letter off em 19/03/14:

Notice of Assignment

We write to advise you that by an agreement dated 13/12/2013 CL Finance Ltd (part of lewis group) has assigned all of the rights, obligations and benefits associated with the above account to Hoist Portfolio Holding Ltd (HPH Ltd) to whom all monies are now due
Please note that Robinson Way Ltd are now managing your account on behalf of HPH Ltd and it is essential that all future payments and correspondence regarding this account be directed to them at
RobWay Ltd
Address
When contacting Robinson Way, please use the reference number xxxxxxx
You should contact Robinson Way to organise payment of this account, a letter from Robinson Way is enclosed. If however, you believe that you have received this communication in error please contact Robinson Way with all relevant information. Please note in order to protect your personal privacy they may need to verify your identity.

And the enclosed letter from Robway.

Your account details have been passed to us by our client to act as a collection agent and we will now be dealing with this account on their behalf.
We offer flexible approach to repaying your account and we want to agree an affordable repayment arrangement with you, by understanding your individual circumstances.
If you are experiencing financial difficulty, our collection agents are fully trained to assist you with your current situation and have a range of options to help.
We will be contact with you in the next 7 days by letter and/or phone in order to discuss your repayment options with you. In the meantime, if you want to contact us you can use any of the methods overleaf or call us on 0845 xxxxxxx or you can visit our website at: www.robway.co.uk

Hi I have had a letter off CL Finance please see letter dated 19/03/14, also I never received anything off them dated 13/12/13, I think this need a reply something like sold whilst in dispute.

Cheers in advance

[MrsD]

Re: ShedAnd Unenforcability Diary

one of these I think................http://www.all-about-debt.co.uk/old/...firming-no-cca

[ShedAnd]

Re: ShedAnd Unenforcability Diary

Is that to CL Finance or Robway?

[ShedAnd]

Re: ShedAnd Unenforcability Diary

Is that to CL Finance or Robway?

Hi who am i sending this to?

[ShedAnd]

Re: ShedAnd Unenforcability Diary

ROBINSON WAY LTD

Type of account (credit card/loan) unknown

Date commenced Before 2004
Approx balance: £3044.25

Date last paid: Before 2004

Are you on arrangement or not paying: DMP

Status: Unknown

Account owner: Robinson way ltd, ex sainsburys

17 Nov 2012 CCA Request sent

23/11/2012. LETTER RECEIVED: Asking for name change confirmation with documentation and previous address.

26/11/2012. CCA request resent in maiden name.
6/12/12. Letter received. Following your request, we have today asked for a copy of the agreement/statement to verify that you are liable to pay the amount due.

Your a/c has been placed on a temporary delay pending receipt of this documentation and we will contact you again in due course.

23/01/2013: CCA request Received, sent to Niddy.
Confirmed no perscribed terms.

13/02/13 Letter off em!

We refer to your resent correspondence in which you claim this account is not enforceable.
We are satisfied that the documentation provided is sufficient to demonstrate liability and we will not enter into repetitive correspondence regarding this.
Your data will continue to be processed in line with the principles of the data protection Act 1998 and the account will continue to be reported to the credit reference agencies, where appropriate.if you neglect to make payment to us, further action will be taken against you.
We require payment proposals within 14 days.

07/03/13: Reply sent, thanks Scabhunter.

“Dear Sirs,

I am in receipt of your letter dated xx/xx/xxxx, and note its contents.

In response, I refer you to my previous letter of xx/xx/xxxx, in which I have outlined my position. If you dispute that position, it is your responsibility to demonstrate why, and not to send out routine templates which have no relevance to the actual situation. Your unsupported and ludicrous assertion that you are “satisfied that the documentation provided is sufficient to demonstrate liability” is entirely inconsistent with the position of the law itself, namely the Consumer Credit Act 1974, as referred to in the previous communication.

Note also that as a commercial operation, you are in no position to “require” anything. I suggest that you moderate the tone of your communications in future, as any further abusive or misleading communications will result in the submission of a formal complaint, which may be escalated to the relevant regulatory authorities.

Yours Faithfully,”


13/03/13: Letter again,
We agreed an affordable payment plan with your money advice agency, but we have not received the payments as promised. If you have made payment to us in the last few days please ignore the letter.
Otherwise please make payment of the overdue sum as soon as you can blah blah blah.
IGNORED!
16/03/13: Another letter.
We write to acknowledge the above complaint received by yourselves.
The matter will be investigated thoroughly by our complaints and compliance department and we will report our findings directly to the complainant and we will contact you again ASAP, but certainly no later than 4 weeks time.
We will eagerly wait.

04/05/13 letter off em.

You have complained that documents supplied in relation to a request under the
Consumer Credit Act 1974, do not comply fully with the Act. You are also unhappy that you have been sent a standard 'template' letter, which has no relevance to the issues raised. If this is not the full nature of your complaint, please contact us with further details.

Robinson Way Limited purchased the above account in August 2008. The
outstanding balance was in relation to an unpaid Sainsbury's credit card with a balance due of £XXXXX

Between August 2009 and November 2012 we have received numerous payments
through Step Change Debt Charity (formally Consumer Credit Counselling
Service), totaling £XXXX

On 4^th December 2013, we received a request for a copy agreement under the
Consumer Credit Act 1974. The account was immediately placed on hold and the relevant documentation requested from the original creditor.

A copy of the credit agreement, together with terms and conditions and statements, were sent to you on 15th January 2013.

On 8^th February 2013 we received a letter from you stating that you were unhappy with the documents supplied as you felt they did not comply fully with the
Consumer Credit Act, in particular that the prescribed terms had been omitted.

A letter was sent to you in response, however we note that you were unhappy with the content; I am sorry you felt that this letter did not answer your concerns.

In conclusion we cannot uphold your complaint. At the point you requested a copy agreement, Robinson Way Limited immediately suspended collection of your account.
Whilst we appreciate that the documents took longer to supply than 12 days, under the
Consumer Credit Act 1974 this means that the debt cannot be enforced until such times that the request can be complied with. Temporarily suspending the account prevented any potential collection activity which may have involved litigation proceedings, and therefore ensured compliance with the Act.

27/05/13: Letter sent to em, Final response (CCA received)

11/06/13: letter off em.

Further to your recent correspondence, contents of which have been noted.

After reviewing the account we have made our position perfectly clear and will not enter into repetitive correspondence regarding this matter.

As previously advised we believe that the documents supplied comply fully with the requirements of the Consumer Credit Act 1974. However any assertions that the agreement is UE would be for the matter for a court to determine, should either party wish to enter into litigation.

In the absence of any alternative dispute, we now require your proposals for payment within the next 14 days. After this time collection activity will resume on your account or we may transfer your account to our firm of solicitors who may commence legal action against you.


29/06/13: letter off DRYDENSFAIRFAX.


We have been instructed by our clients agent, robinson way, in relation to the above outstanding debt. legal action mey be taken against you unless you take steps to resolve this matter within 10 days of the date of this letter.
to avoid further action you should either, Make payment in full, Pay what you can now and agree an affordable repayment arrangement to repay the remainder by contacting robinson way on 0845605***.

payment should be made...blah blah blah...

Any court action may result in additional court fees. blah blah blah.....

15/07/13, Threat to Commence Litigation letter sent.

18/07/13: letter off them.

As we have been unable to contact you via any other way, we may now arrange for a doorstep collection agent to call at your address to agree an affordable payment plan with you, dependant on your personal circumstances.

To avoid the matter being escalated to this next stage of the debt collection process involving a home visit, please contact this office to discuss your circumstances and to agree an affordable payment plan directly with us.

05/09/2013: letter off em.

We have sent you a number of letters, tried to telephoneyou, and our doorstep collection agent may have called at your home, but youraccount remains unpaid.
The full balance is due and payable, but this may not beaffordable.
Note: We can offer a reduction to the balance owed to settlethis account depending upon your circumstances. To help settle this account youmay even be able to pay the reduced balance by instalments you can afford, andwill be able to maintain.

Ignored

Received a letter off em: 03/02/2014

Immediate Action Required
This is a notice about your unpaid account which is in our hands to collect. We are authorised to negotiate repayment of the account with you
Act Now Call us without delay
To pay using a your card, or you can pay online at : www.robway.co.uk or use the slip overleaf
Tell us if you cannot pay in full we will agree an affordable payment plan that you can keep up
Take Notice
If you fail to pay and neglect to deal with account further action may be taken to recover the amount due.


Letter off em, 21/02/2014

Important….Do not ignore

Our Client has authorised us to recover the full amount you owe, shown above
Note: Unless you pay, or agree an affordable payment plan with us without delay, we may consider taking court action to recover the amount due
If court action is taken and a court considers your failure to pay to be due to your refusal or neglect to pay, an order for repayment may be made. If you fail to pay in accordance with a court repayment order, the following may occur

An application to the court to enforce repayment
Future credit, especially mortgages, may be difficult to obtain
This account may continue to worry you
Unpaid Debts don’t just go away, or get forgotten no matter how much people want to happen. Call us to pay, or agree a payment plan, directly, If you prefer you can deal with online at: www.robway.co.uk or by email: payline@robinson.way.com


Letter off em 28/02/14 We know how easy it is for debts to mount up, and how worrying it is to work out how to pay them. we want to help you to clear up this debt once and for all.

Call us today - we can agree a reduced balance you can pay to settle this acc, and you may be able to pay the reduced balance by affordable instalments. Our collection agents are waiting to take your call.

ACT NOW! - If we do not receive a response from you we will have no alternative but to take further action.
TELL US! - You must tell us if you cannot pay. we will help you if we can.

if you have problems paying this account it is still better to talk to us,0000 or online or email.

14/03/14 Letter off them:

Important..please contact us

Your account still remains unpaid despite previous letters and calls. Your account is due to be transferred to our solicitors, drydensfairfax in the next ten days, who may consider court action
If you would rather agree an affordable repayment plan directly with us to prevent this account been passed to our solicitors please contact us without delay
If you prefer you can deal with your account online at out website www.robway.co.uk or you can email us at payline@robinson-way.com


20/03/14 my reply

I refer to your letter dated 12/03/2014 of solicitor threats.

Can I refer you to the letter sent to your office on and dated 26/02/2014, Read it! And stop sending letters of threats until you decide to respond to me with an actual reply and refrain from sending computer generated drivel.

21/03/14 Letter off em.

Thank you for your recent correspondence regarding documents supplied in relation to a request under the consumer credit act 1974. We confirm we have issued our final response to you regarding this on 29^th April 2013. Please find enclosed a copy of our response. (A copy included dated on here 04/05/13)

In the absence of any alternative dispute, we now require your affordable proposals for payment within the next 14 days. After this time collection activity will resume on your account. Please complete and return the enclosed financial statement with your offer of payment.

Hi Letter of them arseholes robway please see letter dated 21/3/14, Does this need a reply or shall I wait as my last letter to then crossed in the post.

[ShedAnd]

Re: ShedAnd Unenforcability Diary

one of these I think................http://www.all-about-debt.co.uk/old/...firming-no-cca

Who do I send this to MrsD? regards.

[ShedAnd]

Re: ShedAnd Unenforcability Diary

ROBINSON WAY LTD

Type of account (credit card/loan) unknown

Date commenced Before 2004
Approx balance: £3044.25

Date last paid: Before 2004

Are you on arrangement or not paying: DMP

Status: Unknown

Account owner: Robinson way ltd, ex sainsburys

17 Nov 2012 CCA Request sent

23/11/2012. LETTER RECEIVED: Asking for name change confirmation with documentation and previous address.

26/11/2012. CCA request resent in maiden name.
6/12/12. Letter received. Following your request, we have today asked for a copy of the agreement/statement to verify that you are liable to pay the amount due.

Your a/c has been placed on a temporary delay pending receipt of this documentation and we will contact you again in due course.

23/01/2013: CCA request Received, sent to Niddy.
Confirmed no perscribed terms.

13/02/13 Letter off em!

We refer to your resent correspondence in which you claim this account is not enforceable.
We are satisfied that the documentation provided is sufficient to demonstrate liability and we will not enter into repetitive correspondence regarding this.
Your data will continue to be processed in line with the principles of the data protection Act 1998 and the account will continue to be reported to the credit reference agencies, where appropriate.if you neglect to make payment to us, further action will be taken against you.
We require payment proposals within 14 days.

07/03/13: Reply sent, thanks Scabhunter.

“Dear Sirs,

I am in receipt of your letter dated xx/xx/xxxx, and note its contents.

In response, I refer you to my previous letter of xx/xx/xxxx, in which I have outlined my position. If you dispute that position, it is your responsibility to demonstrate why, and not to send out routine templates which have no relevance to the actual situation. Your unsupported and ludicrous assertion that you are “satisfied that the documentation provided is sufficient to demonstrate liability” is entirely inconsistent with the position of the law itself, namely the Consumer Credit Act 1974, as referred to in the previous communication.

Note also that as a commercial operation, you are in no position to “require” anything. I suggest that you moderate the tone of your communications in future, as any further abusive or misleading communications will result in the submission of a formal complaint, which may be escalated to the relevant regulatory authorities.

Yours Faithfully,”


13/03/13: Letter again,
We agreed an affordable payment plan with your money advice agency, but we have not received the payments as promised. If you have made payment to us in the last few days please ignore the letter.
Otherwise please make payment of the overdue sum as soon as you can blah blah blah.
IGNORED!
16/03/13: Another letter.
We write to acknowledge the above complaint received by yourselves.
The matter will be investigated thoroughly by our complaints and compliance department and we will report our findings directly to the complainant and we will contact you again ASAP, but certainly no later than 4 weeks time.
We will eagerly wait.

04/05/13 letter off em.

You have complained that documents supplied in relation to a request under the
Consumer Credit Act 1974, do not comply fully with the Act. You are also unhappy that you have been sent a standard 'template' letter, which has no relevance to the issues raised. If this is not the full nature of your complaint, please contact us with further details.

Robinson Way Limited purchased the above account in August 2008. The
outstanding balance was in relation to an unpaid Sainsbury's credit card with a balance due of £XXXXX

Between August 2009 and November 2012 we have received numerous payments
through Step Change Debt Charity (formally Consumer Credit Counselling
Service), totaling £XXXX

On 4^th December 2013, we received a request for a copy agreement under the
Consumer Credit Act 1974. The account was immediately placed on hold and the relevant documentation requested from the original creditor.

A copy of the credit agreement, together with terms and conditions and statements, were sent to you on 15th January 2013.

On 8^th February 2013 we received a letter from you stating that you were unhappy with the documents supplied as you felt they did not comply fully with the
Consumer Credit Act, in particular that the prescribed terms had been omitted.

A letter was sent to you in response, however we note that you were unhappy with the content; I am sorry you felt that this letter did not answer your concerns.

In conclusion we cannot uphold your complaint. At the point you requested a copy agreement, Robinson Way Limited immediately suspended collection of your account.
Whilst we appreciate that the documents took longer to supply than 12 days, under the
Consumer Credit Act 1974 this means that the debt cannot be enforced until such times that the request can be complied with. Temporarily suspending the account prevented any potential collection activity which may have involved litigation proceedings, and therefore ensured compliance with the Act.

27/05/13: Letter sent to em, Final response (CCA received)

11/06/13: letter off em.

Further to your recent correspondence, contents of which have been noted.

After reviewing the account we have made our position perfectly clear and will not enter into repetitive correspondence regarding this matter.

As previously advised we believe that the documents supplied comply fully with the requirements of the Consumer Credit Act 1974. However any assertions that the agreement is UE would be for the matter for a court to determine, should either party wish to enter into litigation.

In the absence of any alternative dispute, we now require your proposals for payment within the next 14 days. After this time collection activity will resume on your account or we may transfer your account to our firm of solicitors who may commence legal action against you.


29/06/13: letter off DRYDENSFAIRFAX.


We have been instructed by our clients agent, robinson way, in relation to the above outstanding debt. legal action mey be taken against you unless you take steps to resolve this matter within 10 days of the date of this letter.
to avoid further action you should either, Make payment in full, Pay what you can now and agree an affordable repayment arrangement to repay the remainder by contacting robinson way on 0845605***.

payment should be made...blah blah blah...

Any court action may result in additional court fees. blah blah blah.....

15/07/13, Threat to Commence Litigation letter sent.

18/07/13: letter off them.

As we have been unable to contact you via any other way, we may now arrange for a doorstep collection agent to call at your address to agree an affordable payment plan with you, dependant on your personal circumstances.

To avoid the matter being escalated to this next stage of the debt collection process involving a home visit, please contact this office to discuss your circumstances and to agree an affordable payment plan directly with us.

05/09/2013: letter off em.

We have sent you a number of letters, tried to telephoneyou, and our doorstep collection agent may have called at your home, but youraccount remains unpaid.
The full balance is due and payable, but this may not beaffordable.
Note: We can offer a reduction to the balance owed to settlethis account depending upon your circumstances. To help settle this account youmay even be able to pay the reduced balance by instalments you can afford, andwill be able to maintain.

Ignored

Received a letter off em: 03/02/2014

Immediate Action Required
This is a notice about your unpaid account which is in our hands to collect. We are authorised to negotiate repayment of the account with you
Act Now Call us without delay
To pay using a your card, or you can pay online at : www.robway.co.uk or use the slip overleaf
Tell us if you cannot pay in full we will agree an affordable payment plan that you can keep up
Take Notice
If you fail to pay and neglect to deal with account further action may be taken to recover the amount due.


Letter off em, 21/02/2014

Important….Do not ignore

Our Client has authorised us to recover the full amount you owe, shown above
Note: Unless you pay, or agree an affordable payment plan with us without delay, we may consider taking court action to recover the amount due
If court action is taken and a court considers your failure to pay to be due to your refusal or neglect to pay, an order for repayment may be made. If you fail to pay in accordance with a court repayment order, the following may occur

An application to the court to enforce repayment
Future credit, especially mortgages, may be difficult to obtain
This account may continue to worry you
Unpaid Debts don’t just go away, or get forgotten no matter how much people want to happen. Call us to pay, or agree a payment plan, directly, If you prefer you can deal with online at: www.robway.co.uk or by email: payline@robinson.way.com


Letter off em 28/02/14 We know how easy it is for debts to mount up, and how worrying it is to work out how to pay them. we want to help you to clear up this debt once and for all.

Call us today - we can agree a reduced balance you can pay to settle this acc, and you may be able to pay the reduced balance by affordable instalments. Our collection agents are waiting to take your call.

ACT NOW! - If we do not receive a response from you we will have no alternative but to take further action.
TELL US! - You must tell us if you cannot pay. we will help you if we can.

if you have problems paying this account it is still better to talk to us,0000 or online or email.

14/03/14 Letter off them:

Important..please contact us

Your account still remains unpaid despite previous letters and calls. Your account is due to be transferred to our solicitors, drydensfairfax in the next ten days, who may consider court action
If you would rather agree an affordable repayment plan directly with us to prevent this account been passed to our solicitors please contact us without delay
If you prefer you can deal with your account online at out website www.robway.co.uk or you can email us at payline@robinson-way.com


20/03/14 my reply

I refer to your letter dated 12/03/2014 of solicitor threats.

Can I refer you to the letter sent to your office on and dated 26/02/2014, Read it! And stop sending letters of threats until you decide to respond to me with an actual reply and refrain from sending computer generated drivel.

21/03/14 Letter off em.

Thank you for your recent correspondence regarding documents supplied in relation to a request under the consumer credit act 1974. We confirm we have issued our final response to you regarding this on 29^th April 2013. Please find enclosed a copy of our response. (A copy included dated on here 04/05/13)

In the absence of any alternative dispute, we now require your affordable proposals for payment within the next 14 days. After this time collection activity will resume on your account. Please complete and return the enclosed financial statement with your offer of payment.

16/04/12, letter off em

Thank you for your recent contact, our client has confirmed that they do not hold any record of a dispute and they are unable to provide documentation as per your request. As you have exhausted all our internal complaints procedures we can only recommend that your next steps would have to be to get in touch with the financial ombudsman service. We have held your account for 30 days to wait your response.

Does this need a response or shall we wait to see what they send next?

Thanks in advance.

[MrsD]

Re: ShedAnd Unenforcability Diary

I would wait and see what happens next

[ShedAnd]

Re: ShedAnd Unenforcability Diary

ROBINSON WAY LTD

Type of account (credit card/loan) unknown

Date commenced Before 2004
Approx balance: £3044.25

Date last paid: Before 2004

Are you on arrangement or not paying: DMP

Status: Unknown

Account owner: Robinson way ltd, ex sainsburys

17 Nov 2012 CCA Request sent

23/11/2012. LETTER RECEIVED: Asking for name change confirmation with documentation and previous address.

26/11/2012. CCA request resent in maiden name.
6/12/12. Letter received. Following your request, we have today asked for a copy of the agreement/statement to verify that you are liable to pay the amount due.

Your a/c has been placed on a temporary delay pending receipt of this documentation and we will contact you again in due course.

23/01/2013: CCA request Received, sent to Niddy.
Confirmed no perscribed terms.

13/02/13 Letter off em!

We refer to your resent correspondence in which you claim this account is not enforceable.
We are satisfied that the documentation provided is sufficient to demonstrate liability and we will not enter into repetitive correspondence regarding this.
Your data will continue to be processed in line with the principles of the data protection Act 1998 and the account will continue to be reported to the credit reference agencies, where appropriate.if you neglect to make payment to us, further action will be taken against you.
We require payment proposals within 14 days.

07/03/13: Reply sent, thanks Scabhunter.

“Dear Sirs,

I am in receipt of your letter dated xx/xx/xxxx, and note its contents.

In response, I refer you to my previous letter of xx/xx/xxxx, in which I have outlined my position. If you dispute that position, it is your responsibility to demonstrate why, and not to send out routine templates which have no relevance to the actual situation. Your unsupported and ludicrous assertion that you are “satisfied that the documentation provided is sufficient to demonstrate liability” is entirely inconsistent with the position of the law itself, namely the Consumer Credit Act 1974, as referred to in the previous communication.

Note also that as a commercial operation, you are in no position to “require” anything. I suggest that you moderate the tone of your communications in future, as any further abusive or misleading communications will result in the submission of a formal complaint, which may be escalated to the relevant regulatory authorities.

Yours Faithfully,”


13/03/13: Letter again,
We agreed an affordable payment plan with your money advice agency, but we have not received the payments as promised. If you have made payment to us in the last few days please ignore the letter.
Otherwise please make payment of the overdue sum as soon as you can blah blah blah.
IGNORED!
16/03/13: Another letter.
We write to acknowledge the above complaint received by yourselves.
The matter will be investigated thoroughly by our complaints and compliance department and we will report our findings directly to the complainant and we will contact you again ASAP, but certainly no later than 4 weeks time.
We will eagerly wait.

04/05/13 letter off em.

You have complained that documents supplied in relation to a request under the
Consumer Credit Act 1974, do not comply fully with the Act. You are also unhappy that you have been sent a standard 'template' letter, which has no relevance to the issues raised. If this is not the full nature of your complaint, please contact us with further details.

Robinson Way Limited purchased the above account in August 2008. The
outstanding balance was in relation to an unpaid Sainsbury's credit card with a balance due of £XXXXX

Between August 2009 and November 2012 we have received numerous payments
through Step Change Debt Charity (formally Consumer Credit Counselling
Service), totaling £XXXX

On 4^th December 2013, we received a request for a copy agreement under the
Consumer Credit Act 1974. The account was immediately placed on hold and the relevant documentation requested from the original creditor.

A copy of the credit agreement, together with terms and conditions and statements, were sent to you on 15th January 2013.

On 8^th February 2013 we received a letter from you stating that you were unhappy with the documents supplied as you felt they did not comply fully with the
Consumer Credit Act, in particular that the prescribed terms had been omitted.

A letter was sent to you in response, however we note that you were unhappy with the content; I am sorry you felt that this letter did not answer your concerns.

In conclusion we cannot uphold your complaint. At the point you requested a copy agreement, Robinson Way Limited immediately suspended collection of your account.
Whilst we appreciate that the documents took longer to supply than 12 days, under the
Consumer Credit Act 1974 this means that the debt cannot be enforced until such times that the request can be complied with. Temporarily suspending the account prevented any potential collection activity which may have involved litigation proceedings, and therefore ensured compliance with the Act.

27/05/13: Letter sent to em, Final response (CCA received)

11/06/13: letter off em.

Further to your recent correspondence, contents of which have been noted.

After reviewing the account we have made our position perfectly clear and will not enter into repetitive correspondence regarding this matter.

As previously advised we believe that the documents supplied comply fully with the requirements of the Consumer Credit Act 1974. However any assertions that the agreement is UE would be for the matter for a court to determine, should either party wish to enter into litigation.

In the absence of any alternative dispute, we now require your proposals for payment within the next 14 days. After this time collection activity will resume on your account or we may transfer your account to our firm of solicitors who may commence legal action against you.


29/06/13: letter off DRYDENSFAIRFAX.


We have been instructed by our clients agent, robinson way, in relation to the above outstanding debt. legal action mey be taken against you unless you take steps to resolve this matter within 10 days of the date of this letter.
to avoid further action you should either, Make payment in full, Pay what you can now and agree an affordable repayment arrangement to repay the remainder by contacting robinson way on 0845605***.

payment should be made...blah blah blah...

Any court action may result in additional court fees. blah blah blah.....

15/07/13, Threat to Commence Litigation letter sent.

18/07/13: letter off them.

As we have been unable to contact you via any other way, we may now arrange for a doorstep collection agent to call at your address to agree an affordable payment plan with you, dependant on your personal circumstances.

To avoid the matter being escalated to this next stage of the debt collection process involving a home visit, please contact this office to discuss your circumstances and to agree an affordable payment plan directly with us.

05/09/2013: letter off em.

We have sent you a number of letters, tried to telephoneyou, and our doorstep collection agent may have called at your home, but youraccount remains unpaid.
The full balance is due and payable, but this may not beaffordable.
Note: We can offer a reduction to the balance owed to settlethis account depending upon your circumstances. To help settle this account youmay even be able to pay the reduced balance by instalments you can afford, andwill be able to maintain.

Ignored

Received a letter off em: 03/02/2014

Immediate Action Required
This is a notice about your unpaid account which is in our hands to collect. We are authorised to negotiate repayment of the account with you
Act Now Call us without delay
To pay using a your card, or you can pay online at : www.robway.co.uk or use the slip overleaf
Tell us if you cannot pay in full we will agree an affordable payment plan that you can keep up
Take Notice
If you fail to pay and neglect to deal with account further action may be taken to recover the amount due.


Letter off em, 21/02/2014

Important….Do not ignore

Our Client has authorised us to recover the full amount you owe, shown above
Note: Unless you pay, or agree an affordable payment plan with us without delay, we may consider taking court action to recover the amount due
If court action is taken and a court considers your failure to pay to be due to your refusal or neglect to pay, an order for repayment may be made. If you fail to pay in accordance with a court repayment order, the following may occur

An application to the court to enforce repayment
Future credit, especially mortgages, may be difficult to obtain
This account may continue to worry you
Unpaid Debts don’t just go away, or get forgotten no matter how much people want to happen. Call us to pay, or agree a payment plan, directly, If you prefer you can deal with online at: www.robway.co.uk or by email: payline@robinson.way.com


Letter off em 28/02/14 We know how easy it is for debts to mount up, and how worrying it is to work out how to pay them. we want to help you to clear up this debt once and for all.

Call us today - we can agree a reduced balance you can pay to settle this acc, and you may be able to pay the reduced balance by affordable instalments. Our collection agents are waiting to take your call.

ACT NOW! - If we do not receive a response from you we will have no alternative but to take further action.
TELL US! - You must tell us if you cannot pay. we will help you if we can.

if you have problems paying this account it is still better to talk to us,0000 or online or email.

14/03/14 Letter off them:

Important..please contact us

Your account still remains unpaid despite previous letters and calls. Your account is due to be transferred to our solicitors, drydensfairfax in the next ten days, who may consider court action
If you would rather agree an affordable repayment plan directly with us to prevent this account been passed to our solicitors please contact us without delay
If you prefer you can deal with your account online at out website www.robway.co.uk or you can email us at payline@robinson-way.com


20/03/14 my reply

I refer to your letter dated 12/03/2014 of solicitor threats.

Can I refer you to the letter sent to your office on and dated 26/02/2014, Read it! And stop sending letters of threats until you decide to respond to me with an actual reply and refrain from sending computer generated drivel.

21/03/14 Letter off em.

Thank you for your recent correspondence regarding documents supplied in relation to a request under the consumer credit act 1974. We confirm we have issued our final response to you regarding this on 29^th April 2013. Please find enclosed a copy of our response. (A copy included dated on here 04/05/13)

In the absence of any alternative dispute, we now require your affordable proposals for payment within the next 14 days. After this time collection activity will resume on your account. Please complete and return the enclosed financial statement with your offer of payment.

16/04/12, letter off em

Thank you for your recent contact, our client has confirmed that they do not hold any record of a dispute and they are unable to provide documentation as per your request. As you have exhausted all our internal complaints procedures we can only recommend that your next steps would have to be to get in touch with the financial ombudsman service. We have held your account for 30 days to wait your response.

12/06/14 letter off there sols

We have been instructed by our client’s Robinson Way, in relation to the above outstanding debt. Legal action may be taken against you unless you take steps to resolve the matter within 10 days of the date of this letter (9.06.14)
To avoid further action you should either

Make payment in full or
Pay what you can now and agree an affordable repayment arrangements to repay the remainder by contacting Robinson Way on 0845 6051366
Payment should be made using one of the payment methods overleaf. If you need to discuss this matter or require further help or advice please speak to Robinson Way
Any court action may result in additional court fees, solicitor’s costs and interest being incurred which would be added to the amount outstanding. Please contact Robinson Way to agree an affordable payment plan within 10 days of this letter

Hi all, Just a Quick update please see letter dated 12/06/14, do I need to act on this.

Thanks in advance.