Robinson Way returned my postal order

[mads62]

Hello everyone

I have (stupidly) been paying Robinson Way, but when I came across this site I cancelled the direct debit. I sent them one of your "prove it" letters, with my £1 postal order. They have returned my postal order with a note saying that they "requested the information you require and have sent you a separate letter explaining our process." Is this another scare tactic or should I be worried?

[bluebottle]

Re: Robinson Way returned my postal order

Basically, if you request evidence or documents from a DCA, they are obliged to provide them. Some will claim they have "processes" or "procedures" which are, in reality, delaying or fobbing-off tactics.

If it does turn out they have obtained money they are not legally-entitled to seek from you, they could be in very serious trouble indeed and this may lead to the OFT taking action against them.

[FlamingParrot]

Re: Robinson Way returned my postal order

Hello everyone

I have (stupidly) been paying Robinson Way, but when I came across this site I cancelled the direct debit. I sent them one of your "prove it" letters, with my £1 postal order. They have returned my postal order with a note saying that they "requested the information you require and have sent you a separate letter explaining our process." Is this another scare tactic or should I be worried?

Why did you send a £1 PO with a 'prove it' letter? The £1 fee applies to a s.78 CCA request, which is a different letter. If that's what you sent them, then they have to comply with your request and get the documents from the original creditor. DCAs don't get any paperwork when they buy debts but if they ask you for payments they should also be able to supply the documents. Without them, the account will be unenforceable unless they send a compliant agreement. They shouldn't have to explain their process, just supply the documents requested.

[mads62]

Re: Robinson Way returned my postal order

Thanks flaming parrot. I think I did send and s.78 CCA request. Will wait to see what happens.

[mads62]

Re: Robinson Way returned my postal order

Thanks. As I expected, seems like typical bullying tactics from RW. I'll just wait and see what happens next.

[labman]

Re: Robinson Way returned my postal order

Are you sure RW actually own this debt outright? If it is just an equitable assignment, then they will have to request the information from the owner of the debt. In any case, if it's RW, I wouldn't worry!

If it does turn out they have obtained money they are not legally-entitled to seek from you, they could be in very serious trouble indeed and this may lead to the OFT taking action against them.

It won't - the OFT will do nothing.

[CleverClogs]

Re: Robinson Way returned my postal order

If it does turn out they have obtained money they are not legally-entitled to seek from you, they could be in very serious trouble indeed and this may lead to the Office of Faffing and Twaddling taking action against them.

:flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig:

[FlamingParrot]

Re: Robinson Way returned my postal order

Are you sure RW actually own this debt outright? If it is just an equitable assignment, then they will have to request the information from the owner of the debt. In any case, if it's RW, I wouldn't worry!

As they would if it was an absolute assignment! Debt purchasers buy debts in bulk without any paperwork.

[FlamingParrot]

Re: Robinson Way returned my postal order

:flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig::flypig: :flypig:

Love your sense of humour, Cloggy, it is, indeed, unique! :lol: :lol: :lol: :lol: :lol: