Old train2game course, debt collectors letters. Disputed years ago?

[Amethyst]

Re: Old train2game course, debt collectors letters. Disputed years ago?

All in one go, he told me is loose my place if I didn't do it then and there. He got another guy to come mid way too.

Ahh interesting - did this other guy say he was from the finance co or Marlborough or just say nothing?

There's a thing where they could only get a credit agreement signed if they made two visits ... so wonder if this tag team approach gets them round that or not ....

[Amethyst]

Re: Old train2game course, debt collectors letters. Disputed years ago?

Just noticed it's not a new debt collectors it's the same ones ones I told it was barred, who said they would check into it and get back in touch with me. It's Cabot financial and the latest letter says:
We have passed your account to Robinson way limited.
As we've been unable to reach an agreement to repay your account, We have asked Robinsons Way Limited to manage your account for us.
A letter from Robinsons Way Limited is included with this letter; they will help you set up an affordable payment plan which will help you become free of your account.

Included is a letter from Robinsons Way Limited which says:
In relation to your unpaid account, we are authorised to negotiate repayment of the balance outstanding with you.
If you do not pay or contact us it may mean further letters and calls, plus your ability to obtain further credit, including mortgages, may be affected.
Please contact us to agree an affordable payment and sustainable payment plan based upon your personal circumstances.

Ah so Cabot likely have purchased it so you should send them ( Cabot not rob way as Cabot will own the debt) a CCA request too.

Think we're up to four letters and £22 plus stamps so far , sorry xxx Now really is the best time to gather all your info together.

[Roxyd]

Re: Old train2game course, debt collectors letters. Disputed years ago?

Question too sorry - Did he visit you once or twice ? ( once to give you the hard sell then again to sign the credit agreement ? ) or do it all in one hit ?

All in one go, he told me is loose my place if I didn't do it then and there. He got another guy to come mid way too.

[Roxyd]

Re: Old train2game course, debt collectors letters. Disputed years ago?

Ok, have you had a notice of assignment from the current debt collectors and who are they?

Just noticed it's not a new debt collectors it's the same ones ones I told it was barred, who said they would check into it and get back in touch with me. It's Cabot financial and the latest letter says:
We have passed your account to Robinson way limited.
As we've been unable to reach an agreement to repay your account, We have asked Robinsons Way Limited to manage your account for us.
A letter from Robinsons Way Limited is included with this letter; they will help you set up an affordable payment plan which will help you become free of your account.

Included is a letter from Robinsons Way Limited which says:
In relation to your unpaid account, we are authorised to negotiate repayment of the balance outstanding with you.
If you do not pay or contact us it may mean further letters and calls, plus your ability to obtain further credit, including mortgages, may be affected.
Please contact us to agree an affordable payment and sustainable payment plan based upon your personal circumstances.

[Amethyst]

Re: Old train2game course, debt collectors letters. Disputed years ago?

Question too sorry - Did he visit you once or twice ? ( once to give you the hard sell then again to sign the credit agreement ? ) or do it all in one hit ?

[Amethyst]

Re: Old train2game course, debt collectors letters. Disputed years ago?

Sorry, change to single tense.

Also it would be useful to send them a SAR which should get you transaction lists and anything else they hold about you.

If we do those now then if these debt collection agencies decide to try court action first you'll be in a better position to defend on the stay barred basis.

I also think a SAR to Marlborough would be useful. http://legalbeagles.info/library/gui...ccess-request/

Small investment now will hopefully help you later if they try to sue you for the balance or if you go after them for misselling.

[Amethyst]

Re: Old train2game course, debt collectors letters. Disputed years ago?

Could you send a CCA request to CDF please - you'll need to include a £1 postal order or cheque

To: Suite 3/1 Skypark 3 14 Elliot Place Glasgow G3 8EP UNITED KINGDOM

Your name/s
Your address
Your postcode

Date

Claimant’s(Creditor’s) name
Claimant’s(Creditor’s) address
Claimant’s(Creditor’s) postcode


Dear Sirs,

Account Reference: XXXXXX
Formal Request for a copy of the Credit Agreement

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.
We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a legible copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.
We understand a copy of our credit agreement should be supplied within 12 working days.
We look forward to hearing from you.
Yours sincerely
Your Signature
Your Name

Encls.

[EXC]

Re: Old train2game course, debt collectors letters. Disputed years ago?

Ok, have you had a notice of assignment from the current debt collectors and who are they?

[Roxyd]

Re: Old train2game course, debt collectors letters. Disputed years ago?

Hi Roxyd

I'll ask [MENTION=6]Amethyst[/MENTION] to take a look.

In the meantime do you know exactly when you made your last payment? And did you ever receive a default notice and if so when?

I'd be guessing really, but I'd say latest date I would have made last payment by would have been Feb 2011. As far as I'm aware I never received a default notice, however I moved June that year.

[EXC]

Re: Old train2game course, debt collectors letters. Disputed years ago?

Hi Roxyd

I'll ask [MENTION=6]Amethyst[/MENTION] to take a look.

In the meantime do you know exactly when you made your last payment? And did you ever receive a default notice and if so when?