ShedAnd Unenforcability Diary

[ShedAnd]

Re: ShedAnd Unenforcability Diary

Hi All any thing I need to send robway.

cheers

[PlanB]

Re: ShedAnd Unenforcability Diary

any thing I need to send robway.

I've had a quick look at your diary. Have you sent anything to Robinson Way since 20th March?

Is this latest letter dated 9th June (not the 12th?) from Drydens Fairfax solicitors not Robinson Way? I can't see any response from you to those letters 21st March and 16th April.

That letter threatens legal action in 10 days if no response (i.e. 19th June). It may not be a formal Letter Before Action but that needs to be checked just to be on the safe side.

[ShedAnd]

Re: ShedAnd Unenforcability Diary

Hi plan B all the letters are up to date on my diary the last letter was from drydens dated 9th June the ten days have lapses but I just think it was a threat o gram with then say "legal action MAY be taken" so I'm not sure if to wait or send a reply. Thanks Andy

[PlanB]

Re: ShedAnd Unenforcability Diary

any thing I need to send robway.

the last letter was from drydens dated 9th June the ten days have lapses but I just think it was a threat o gram with then say "legal action MAY be taken" so I'm not sure if to wait or send a reply.

In which case your response goes to DydensFairfax not Robinson Way. Since the letter is from a solicitor I think you need to reply not wait. I can't suggest what you should send because I admit I've not read all your diary but someone else will guide you. Their 10 day deadline has passed so you need to get cracking on a reply.

This looks like a case of they may have complied with s.78 in theory because they've sent you some documents but if that CCA does not contain the prescribed terms then it fails under s.61 which is a different argument. I had a similar situation in my Santander v Mayhew case when the DJ ruled they had complied with s.78 (even though they sent rubbish) but dismissed the claim for non compliance with s.61 (and other legal arguments). Read the judgment because that explains it well particularly paragraph 11 here: http://www.bailii.org/ew/cases/Misc/2012/14.html

[ShedAnd]

Re: ShedAnd Unenforcability Diary

Thanks for the reply I will wait to see if anybody can help me with what so send plus I'm on my phone at the moment so I will wait till I finish work later on then get cracking,
thanks for the speedy reply.

[Never-In-Doubt]

Re: ShedAnd Unenforcability Diary

Hi plan B all the letters are up to date on my diary the last letter was from drydens dated 9th June the ten days have lapses but I just think it was a threat o gram with then say "legal action MAY be taken" so I'm not sure if to wait or send a reply. Thanks Andy

I'd probably wait for now and see what comes next; if you've done the letter ping-pong, there won't be that much left to do if you're hitting stalemate.......

[ShedAnd]

Re: ShedAnd Unenforcability Diary

Ok thanks for that Niddy I think waiting is the best option, cheers once again.

[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

Letter off em Dated 30/06/2014

We have contacted you via letter and/or by telephonebut we have unable to get in touch with you.
your account remains unpaid with the balance outstanding due and we want to agree an affordable repayment arrangement with you based on your circumstances. please contact us on /*-*/- so that we can discuss your current financial situation.

we may even be able to offer a reduction to the balance you awe to settle this account,. to help you further, you may even be able to pay the reduced balance by instalments you can afford, and be able to maintain.

Please see letter dated 30/06/2014,

Letter off em Dated 30/06/2014

We have contacted you via letter and/or by telephonebut we have unable to get in touch with you.
your account remains unpaid with the balance outstanding due and we want to agree an affordable repayment arrangement with you based on your circumstances. please contact us on /*-*/- so that we can discuss your current financial situation.

we may even be able to offer a reduction to the balance you awe to settle this account,. to help you further, you may even be able to pay the reduced balance by instalments you can afford, and be able to maintain.

[IF]

Re: ShedAnd Unenforcability Diary

Hi, just checking if all is OK?

Best wishes
IF

[ShedAnd]

Re: ShedAnd Unenforcability Diary

Yes thank you it's all gone quiet from the creditors fingers crossed it stays quiet ..

[IF]

Re: ShedAnd Unenforcability Diary

Yes thank you it's all gone quiet from the creditors fingers crossed it stays quiet ..

I have my fingers crossed it stays quiet too

[ShedAnd]

Re: ShedAnd Unenforcability Diary

Letter off robway.. please could someone look at the letter dated 19/03/2015. Thanks....

Also we have received 2 other letters off them with new account numbers on each of them letter text says

(We are aware that this account is subject to a County Court Judgement, however, it is our aim to agree an affordable and flexible repayment arrangement with you, by understanding your individual circumstances)

We think they are from the 2 CCJ's from CL Finance that had stopped coming out of our account about a year ago..

Thanks for all your help in advance.....

[PlanB]

Re: ShedAnd Unenforcability Diary

Letter off robway.. please could someone look at the letter dated 19/03/2015.

Sorry to appear daft but which letter do you mean? You haven't posted on this thread since 2nd March 2015 so I can't see a letter dated 19th March 2015 from anyone

Plan B x

[ShedAnd]

Re: ShedAnd Unenforcability Diary

Hopefully this will work as I'm using my phone to post

[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 4th 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 8th 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 29th 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

Letter off em Dated 30/06/2014

We have contacted you via letter and/or by telephonebut we have unable to get in touch with you.
your account remains unpaid with the balance outstanding due and we want to agree an affordable repayment arrangement with you based on your circumstances. please contact us on /*-*/- so that we can discuss your current financial situation.

we may even be able to offer a reduction to the balance you awe to settle this account,. to help you further, you may even be able to pay the reduced balance by instalments you can afford, and be able to maintain.





19/03/2015 letter of them.....

Notice of Assignment We write to advise you that by an agreement dated 10th November 2012,
Robson way limited has assigned all the rights, obligations and benefits associated with the above account to Hoist Portfolio Holding 2 Limited to whom monies are now due Help Available –
Balance reduction offer Please note that BPO Collections Ltd is now managing your account on behalf of HPH2 Ltd (Ex-Sainsburys) The offer a flexible approach to repaying your account and it is their aim an affordable repayment arrangement with you, by understanding your individual circumstances We have allowed BPO Collections to accept a reduction in the amount you owe of 80% which would mean that paying only 20% of the amount outstanding would clear your balance, they can even discuss paying this at a reduced balance by affordable instalments. Please note that once the reduced balance is paid, where it is listed on a credit file this will be updated and partially settled with zero balance outstanding, and not as settled or satisfied
Notice of Assignment
We write to advise you that by an agreement dated 10
th
November 2012, Robson way
limited has assigned all the rights, obligations and benefits associated with the above
account to Hoist Portfolio Holding 2 Limited to whom monies are now due
Help Available – Balance reduction offer
Please note that BPO Collections Ltd is now managing your account on behalf of HPH2 Ltd
(Ex-Sainsburys)
The offer a flexible approach to repaying your account and it is their aim an affordable
repayment arrangement with you, by understanding your individual circumstances
We have allowed BPO Collections to accept a reduction in the amount you owe of 80%
which would mean that paying only 20% of the amount outstanding would clear your
balance, they can even discuss paying this at a reduced balance by affordable instalments.
Please note that once the reduced balance is paid, where it is listed on a credit file this will
be updated and partially settled with zero balance outstanding, and not as settled or satisfied
Call them to take advantage of this on 0141 375 0900 or if you are experiencing financial
distress at the moment you can contact them to discuss this in more detail
BPO Collections Ltd
The Grange Business Centre
Glebe Street
Stevenson
KA20 3EJ
If you believe that you have received this communication in error please contact BPO
Collections Ltd with all relevant information. Please note that in order to protect your
personal privacy they may need to verify your identit