Let the fun commence - 6 year journey starts here!

[Brusselsprout]

Just wait till you receive any letters from Robinson Way (RW), they will phone you an awful lot so be perpared to fail security questions and ask for all comunication in writing,
they have a few of my accounts and have now taken to calling with a recorded request asking anyone that answers to press 1 to speak to a customer service agent. I normaly press BLOCK,
they have Hundreds of different numbers but all with a Manchester area code, as I now have no one living in Manchester to call me I know who it is and will sometimes tell them I'm not here,

Hubby answered the phone the other day, only because I was in the garden and couldn't hear the phone, they said "it's RW can we speak with Mrs NW," he said no put it in writing, "er we have but she hasn't replied", not got the point then have you, and hung up.

Thanks Nightwatch!

That's the last thing i need is another non-stop phone caller!! but hey-ho, that's the nature of the beast! It is the calling of my house phone that causes most issues for me, as nobody knows of my situation, and RW making themselves known as RW to other household members could be awkward!
Thanks
Brussel

[nightwatch]

Just wait till you receive any letters from Robinson Way (RW), they will phone you an awful lot so be perpared to fail security questions and ask for all comunication in writing,
they have a few of my accounts and have now taken to calling with a recorded request asking anyone that answers to press 1 to speak to a customer service agent. I normaly press BLOCK,
they have Hundreds of different numbers but all with a Manchester area code, as I now have no one living in Manchester to call me I know who it is and will sometimes tell them I'm not here,

Hubby answered the phone the other day, only because I was in the garden and couldn't hear the phone, they said "it's RW can we speak with Mrs NW," he said no put it in writing, "er we have but she hasn't replied", not got the point then have you, and hung up.

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

DEBT#7

• Type of account: Santander Overdraft
• Date commenced: April 1998
• Approx balance: £770
• Date last paid: last Full payment made via DMP in January 2017. Reduced payment in February. Missed payment in March.
• Are you on arrangement or not paying: Currently not paying
• Status Account:defaulted July 2016
• Account owner : Santander using Wescot as agents

Nothing sent to them yet... a little lost as to what to do with overdrafts!

Again, i did speak to Westcot a while back admitting this debt, and telling them about my DMP with SC...
17th May 2017: Letter received from Westcot asking why I have not been paying them through Stepchange. Asking me to contact them...
17th July 2017: Statement received from Santander, and also asking for me to speak to them to resolve any issues.
30th July 2017: Letter received from Westcot asking me to contact them or they will persist with collection activity.
20th August 2017: Letter from Santander saying Robinson Way will now be dealing with this account

Hi Guys

Hope we are all well.

Received a letter yesterday from Santander saying Robinson Way will now be dealing with this account! Am i to assume that Westcot have been dropped? I hardly heard anything from Westcot, and they barely made an effort to collect on this. Also, I am yet to send anything to anyone about this account, so do i send the CCA requests to Santander and Robinson Way or Just to Robinson Way?? Also, if anyone has any experience with Robinson Way, please let me know what to expect!

Cheers
Brussel

[Brusselsprout]

If you can put up with the calls for a while, you can send the sold in dispute letter also add that you will only deal with them by snailmail and you request the removal of all telephone numbers

Thanks for the advice guys... I'll will sit tight for a while then, and see what comes

[nightwatch]

If you can put up with the calls for a while, you can send the sold in dispute letter also add that you will only deal with them by snailmail and you request the removal of all telephone numbers

[The Tech Clerk]

tell them anything in writing only for the benefit of doubt! moorcroft are only collectors for account owners and paid commissions if they ever get a mug to pay! speak to them why? just follow advice on here or else they will see you as a soft touch, they will not go away regardless and you would get bombarded with threatograms and begging letters! sit back after Moorcroft do not buy debts! so do not own an alledged debt! send a dispute letter much later but that is all!

[Brusselsprout]

Yes i would send he sold in dispute letter when you hear from them, but don't be too quick in sending it

Ok will do Thanks...

Would i be ok in speaking to them to tell them NOT to call my home phone number? or would that be a bad idea? Can i somehow speak to them without screwing myself over liability wise?

Thanks
Brussel

[cymruambyth]

Yes i would send he sold in dispute letter when you hear from them, but don't be too quick in sending it

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

DEBT #4

• Type of account: Nationwide Credit card
• Date commenced: September 2012
• Approx balance: £4,200
• Date last paid: last Full payment made via DMP in January 2017. Reduced payment in February. Missed payment in March.
• Are you on arrangement or not paying: Currently not paying
• Status Account: Defaulted August 2016
• Account owner : Nationwide

Sent a CCA early March 2017. No response from them. I understand this will no doubt be enforceable but just want to see what they send anyway
24th March 2017: CCA signed for at Nationwide.
25th April 2017: Still no response regarding CCA request.
May 12th 2017: Arrears letter received, and it appears to show that a partial payment of £1 has been made to the account in March. My CCA request standing order payment maybe!
19th June 2017: 'Demand for payment letter' received. 7 days to contact them or they may instruct external agency to collect.
3rd July 2017: Letter offering discount if i contact them within 7 days. Still no response to CCA request.
6th July 2017: Phone-call from Nationwide (could be for my loan or overdraft account, but didn't make it far enough to find out which one). A rather uppity fella who got all petulant when i said i wanted to communicate in writing only and said 'i must warn you, that we will pass this onto an external debt collector'.
12th July 2017: 'Final Notice' letter received. Contact within 7 days of letter or they will refer to Debt collection agency.
5th August 2017: Letter from Nationwide informing me that Moorcroft will be taking management of the account on their behalf. Still no CCA received.

Hi guys

Hope we are all well

I received a letter today from Nationwide saying Moorcroft will be taking over management on their behalf. Now, i still haven't received a CCA from Nationwide, so when Moorcroft start getting heavy to i send them the dispute letter? Even though it hasnt actually been sold to them? orrrrr... do i just ignore completely? I hear they can be quite pushy!!

Thanks
Brussel

[Brusselsprout]

Hi, yep just hang in there,wait to see what comes next and post up here, we will then see who has the lucky task of receiving your next template letter. NW

Ok will do

Speaking of template letters; do you think I am ok to use the SAR template? It says to not use those template letters at the moment, but not sure if that applies to all the letters in that section...

Thanks
B

[nightwatch]

Hi, yep just hang in there,wait to see what comes next and post up here, we will then see who has the lucky task of receiving your next template letter. NW

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

DEBT #4

• Type of account: Nationwide Credit card
• Date commenced: September 2012
• Approx balance: £4,200
• Date last paid: last Full payment made via DMP in January 2017. Reduced payment in February. Missed payment in March.
• Are you on arrangement or not paying: Currently not paying
• Status Account: Defaulted August 2016
• Account owner : Nationwide

Sent a CCA early March 2017. No response from them. I understand this will no doubt be enforceable but just want to see what they send anyway
24th March 2017: CCA signed for at Nationwide.
25th April 2017: Still no response regarding CCA request.
May 12th 2017: Arrears letter received, and it appears to show that a partial payment of £1 has been made to the account in March. My CCA request standing order payment maybe!
19th June 2017: 'Demand for payment letter' received. 7 days to contact them or they may instruct external agency to collect.
3rd July 2017: Letter offering discount if i contact them within 7 days. Still no response to CCA request.
6th July 2017: Phone-call from Nationwide (could be for my loan or overdraft account, but didn't make it far enough to find out which one). A rather uppity fella who got all petulant when i said i wanted to communicate in writing only and said 'i must warn you, that we will pass this onto an external debt collector'.
12th July 2017: 'Final Notice' letter received. Contact within 7 days of letter or they will refer to Debt collection agency.

Hi guys

Received a Final notice letter today from Nationwide, and if no response they will send to DCA! Still no sign of CCA, so do i just wait until it is with the DCA, then ask the DCA to provide CCA? Or just keep ignoring until the legal letters start to come?

It's weird but I am like a dog waiting for the mailman to get here, so i can see what exciting letters i receive! A little warped eh!

Thanks
Brussel

[Brusselsprout]

you could always send the telepone harrasment letter, found in templates.
Nationwide took there time sending my CCA, I think they only sent it after it was passed to a DCA

ok, thanks Nightwatch...seems strange that they wouldn't send it, considering that this will most likely be an enforceable account...although for me, i guess it is best for it to be sold on...

Cheers

[nightwatch]

you could always send the telepone harrasment letter, found in templates.
Nationwide took there time sending my CCA, I think they only sent it after it was passed to a DCA

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

DEBT #4

• Type of account: Nationwide Credit card
• Date commenced: September 2012
• Approx balance: £4,200
• Date last paid: last Full payment made via DMP in January 2017. Reduced payment in February. Missed payment in March.
• Are you on arrangement or not paying: Currently not paying
• Status Account: In arrears
• Account owner : Nationwide

Sent a CCA early March 2017. No response from them. I understand this will no doubt be enforceable but just want to see what they send anyway
24th March 2017: CCA signed for at Nationwide.
25th April 2017: Still no response regarding CCA request.
May 12th 2017: Arrears letter received, and it appears to show that a partial payment of £1 has been made to the account in March. My CCA request standing order payment maybe!
19th June 2017: 'Demand for payment letter' received. 7 days to contact them or they may instruct external agency to collect.
3rd July 2017: Letter offering discount if i contact them within 7 days. Still no response to CCA request.

Hi Guys, and Gals

Nationwide seem to be challenging PRA group for the 'how many phonecalls can we throw at you' award! Just a quick question really: I am ok deflecting the calls by refusing security questions, that's fine. They have still not responded to my CCA request, which was sent back in March. Also they have not replied to my CCA request for my Nationwide Loan! Is this typical of Natiowide to just ignore? Both were signed for, and they used the standing order payments as payments towards alleged debts! Do i just keep ignoring or tell them that they are yet to respond to my CCA letters?! I was tempted today to let the lady know that they have not replied to my CCA requests!! As they are becoming a bit irritating!!

Cheers
Brussel