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Re: ShedAnd Unenforcability Diary
Update: What could I send them now or shall I just wait till there next letter.
Cheers Shed.
Originally posted by ShedAnd
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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.
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.
Cheers Shed.
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