Robinson way

[CLARISSA]

Hi there everyone,hope I'm doing this right as I'm not great with the internet.I'm in need of some help as I'm really don't no what to do.
I recieved a letter this morning from a company called robinson way asking me to call which I did as I was no aware what it regarded.it had my name and old address so I thought I should.I was told I owe money to o2 I told them I am unaware of ever having a phone with o2 and was told it was two phones.I asked when this is from and was told there not sure but the last payment was July 2004 I asked what address was this set up he couldn't tell me.I really can not recall ever taking these phones but we are going back 10years.I'm not sure what to do any help on this matter would be of great help and appreciation.

[FlamingParrot]

Re: Robinson way

Hi and welcome

All DCAs will want you to call them, however, it's best not to and to keep all communications in writing. :typing:

Even if you had an O2 account, if the last payment was in 2004, this would be well and truly statute barred, as it's been over 6 years without payment or written acknowledgment. :grin:

You could either send a prove it letter or a statute barred letter.

Prove it letter:

Dear Sirs

Account No: xxxxxxxxxxxxxx

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

I would point out that I have no knowledge of any such debt being owed to CREDITOR

I am familiar with the Consumer Credit sourcebook of the Financial Conduct Authority (FCA) which states the following rules.

"A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3

"A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1

"Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I would ask that no further contact be made concerning the above accounts unless you can provide evidence as to my liability for the debt in question.

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the FCA of your actions.

I look forward to hearing from you.

Yours faithfully

[CLARISSA]

Re: Robinson way

Thankyou so much for you advise it really means alot.