Robinson Way Help Please!

[Caspar]

Re: Robinson Way Help Please!

A certificate of posting is free!

They're the same thing!

[Angry Cat]

Re: Robinson Way Help Please!

Please see the following, in which Francis Bennion explains Part V (5):
http://www.francisbennion.com/pdfs/f...mer-credit.pdf

[Arkwright]

Re: Robinson Way Help Please!

Please see the following, in which Francis Bennion explains Part V (5):
http://www.francisbennion.com/pdfs/f...mer-credit.pdf

Thanks for your response, but I'm not sure why you have referred me to the Francis Bennion link?

I simply want to know what my next course of action might be based on the letter I have just received.

[Curlyben]

Re: Robinson Way Help Please!

Did you send them a simple Prove It or an actual CCA request ??


Either way they haven't demonstrated their lawful rights to make demands on this debt.

[Arkwright]

Re: Robinson Way Help Please!

Did you send them a simple Prove It or an actual CCA request ??


Either way they haven't demonstrated their lawful rights to make demands on this debt.

I sent them a simple prove it as per your advice Ben.

Should I do anything else at this stage?

Cheers
Arkie

[Curlyben]

Re: Robinson Way Help Please!

For now there's nowt else to do until the requested statement arrives.

[Arkwright]

Re: Robinson Way Help Please!

Ok

Thanks....

[Arkwright]

Re: Robinson Way Help Please!

Latests from Robinson Way... As usual I would appreciate help on my next course of action.





Many thanks

Arkie

[Curlyben]

Re: Robinson Way Help Please!

Hmm ok, so, as expected this is mostly charges.

What's the £20 payment at the bottom ?

[Arkwright]

Re: Robinson Way Help Please!

When it first came to light with the original DCA I went to the Nat West to find out what was going on as I genuinely didn't know what the debt was for.

When they explained I told them I couldn't afford to pay the debt in one go, but was willing to pay £20 a month. They took £20 from me straight away, but when I tried to make a second payment at the bank, they told me they couldn't accept it as the debt had been passed on to a DCA.

Being completely ignorant of the workings of DCA's etc, I just assumed they were telling me the truth. I then never heard anything else from the original DCA.

Hope that makes sense.

[Arkwright]

Re: Robinson Way Help Please!

Just a small bump to keep the thread live...

Any advice on my next step would be much appreciated.

Many thanks

Arkie.

[Curlyben]

Re: Robinson Way Help Please!

I have some thoughts here, but they will require faith and a certain amount of balls.

I'll get back once I have put me kids to bed.

[Curlyben]

Re: Robinson Way Help Please!

Well as promised I'm back.

Here's my thought.
The £20 payment actually more than cleared any lawful debt that you owed, whatever is left is clearly multiple charges and associated interested.
I would be inclined to explain this to RW&c and suggest if they want to enforce this "debt" that they should meet you in court and let a judge decide on the legitimacy of their claim.

The OFT takes a very dim view on the spiral of charges that artificially inflate a debt in this manner and I'm sure a court would take the same view.

So all in all a simple matter of telling RW&c to naff orf or take you to court.

Told you it would take some balls

[Arkwright]

Re: Robinson Way Help Please!

Balls I have in abundance (just ask the wife)...

I'll write to them today proposing what you suggest and let you know their response.

Thanks for your advice

Arkie

[Curlyben]

Re: Robinson Way Help Please!

They may well come back with some rubbish concerning the OFT Vs The Banks test case, but this bears little relevance in this matter.

The Supreme court did NOT slam the door in the reclaimers faces, but meant things had to be dealt with at a more personal level.

What has happened in your case is clearly unfair as the banks charging regime has snowballed into an unmanageable debt.

Also why have they not attempted to contact you about this previously ?!