Robinson Way Letters

[masie1]

Hi,

I received a letter asking if I'd lived at a previous address from Robinson Way about 3 weeks ago. I had done about 10 or 11 years ago & my maiden name was on the letter so I gave them a ring to see what the letter was concerning & they said I owed a debt to Capital One.

I did have problems with debt years ago but I've been debt free for a few years now. I believe I paid the money I owed to Capital One through a collection agency called First Credit Management at the end of 2005 in instalments, although I've moved several times since then & don't have any paperwork to back that up.

I told the person I spoke to that I had no outstanding debt & when he started to ask me for personal details I told him I wasn't going to give any information regarding myself when I don't owe any money.

My husband told me to send them a statute barred letter as the debt was over 6 years old so even if there was some mix up & the other firm hadn't taken the full debt from me they still wouldn't be able to pursue me for it.

This morning I received a notice that RW had transferred my debt to another company but they were handling it. I don't quite understand as the other company appears to have the same address. They still haven't addressed my letter or sent me any proof that I owe the money - just that I owe £445, options to pay & consequences of non payment.

Should I send another letter requesting proof or is this a waste of time? I worked hard to get myself out of the hole I dug myself as a student & I'm equal parts annoyed & worried in case this affects my credit. I want to get rid of this as soon as humanly possible - any advice?

Thanks

[Kati]

Re: Robinson Way Letters

Hi [MENTION=54238]masie1[/MENTION]

Hi,

I received a letter asking if I'd lived at a previous address from Robinson Way about 3 weeks ago. I had done about 10 or 11 years ago & my maiden name was on the letter so I gave them a ring to see what the letter was concerning & they said I owed a debt to Capital One.

- it's always better to keep things in writing :tinysmile_twink_t2:

I did have problems with debt years ago but I've been debt free for a few years now. I believe I paid the money I owed to Capital One through a collection agency called First Credit Management at the end of 2005 in instalments, although I've moved several times since then & don't have any paperwork to back that up.

- no worries if you haven't acknowledged or paid towards a debt in 6 years, it would be statute barred anyway

I told the person I spoke to that I had no outstanding debt & when he started to ask me for personal details I told him I wasn't going to give any information regarding myself when I don't owe any money.

- so you still haven't acknowledged it :thumb:

My husband told me to send them a statute barred letter as the debt was over 6 years old so even if there was some mix up & the other firm hadn't taken the full debt from me they still wouldn't be able to pursue me for it.

- he's right about the statute barred bit :nod:

This morning I received a notice that RW had transferred my debt to another company but they were handling it. I don't quite understand as the other company appears to have the same address. They still haven't addressed my letter or sent me any proof that I owe the money - just that I owe £445, options to pay & consequences of non payment.

- could you post up copies of the letters (personal details removed)??

Should I send another letter requesting proof or is this a waste of time? I worked hard to get myself out of the hole I dug myself as a student & I'm equal parts annoyed & worried in case this affects my credit. I want to get rid of this as soon as humanly possible - any advice?

Thanks

- a 'prove it' letter might be the way to go . Something along the lines of:

Dear Sir/Madam


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

adapted to suit :tinysmile_grin_t:
Then you could wait for their reply ....

If/when you're certain on the statute barred, you could keep that bit of info for a later date (if they continue pushing for payment).

Kati xx