Robinson b****y way

tony_jones_1985

Good afternoon (first post so please bare with)

My girlfriend has had letters from Robinson way debt collections. I have read some of the posts on here but can't find any newish threads.

First they said it was for a loan that she had and then it was for a phone bill. All seems very wishy washy.

Anybody around to help or had any dealings with them?

Many thanks

Tony

sourcrates

tony_jones_1985 wrote: »

Good afternoon (first post so please bare with)

My girlfriend has had letters from Robinson way debt collections. I have read some of the posts on here but can't find any newish threads.

First they said it was for a loan that she had and then it was for a phone bill. All seems very wishy washy.

Anybody around to help or had any dealings with them?

Many thanks

Tony

Hi,
Yes, we're old friends lol !!!!

You should respond with the provit letter, link below :

https://forums.moneysavingexpert.com/discussion/2607247

Adapt it to your situation, this basically asks them to prove, what the debt is, with whom, and that they have the legal right to collect on it.

Once they have responded correctly, you should know more detail of what the debt is.

tony_jones_1985

I have got the letter ready to send. I've taken over dealing with it now as the letters they send are so blank. Their letter head is always changing.

sourcrates

tony_jones_1985 wrote: »

I have got the letter ready to send. I've taken over dealing with it now as the letters they send are so blank. Their letter head is always changing.

Post back if you need any advice on there response.

tony_jones_1985

Thanks.

They said they have sent statements but we never got them so they have said they are resending them.

tony_jones_1985

They said that they had sent statements but all we have received is a copy of the agreement for the account which was a 16-18 cash account with no overdraft and only a cash card

tony_jones_1985

So update.

I asked for evidence of the so called debt and got a letter in the post this morning of some A4 printed "statements", that look like something I could have knocked up on excel.

Any advice?

fermi

Dear Robinson way,

I could have knocked up that pathetic excuse for proof in Excel myself, as it appears you did.

Send me genuine proof otherwise I will be reporting you to the FCA and taking you to the FOS.

Tony

Or words to that effect , worked into the letter here.

---> https://forums.moneysavingexpert.com/discussion/comment/57703407#Comment_57703407

tony_jones_1985

Many thanks

Do you think I would be worth contacting Santander, who the "debt" is with?

tony_jones_1985

Robinson Way
Quays Reach
Carolina Way
Salford
M50 2ZY

Dear Robinson Way

REF

You have contacted my partner regarding the account with the above reference number, which you claim is owed by herself.

I am now dealing with this matter as it is causing her much stress at a time where stress needs to be kept to a minimum.

You have sent “statements” out of said debt. A quick go at Excel and I have just “knocked” up the same “statements”, so I assume that you also use Excel.

I would point out that she has no knowledge of any such debt being owed to Santander.

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

"Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm (and not the customer) to establish, as the case may be, that the customer is the correct person in relation to the debt or that the amount is the correct amount owed under the agreement." 7.14.4

"A firm must provide a customer with information on the outcome of its investigations into a debt which the customer disputed on valid grounds." 7.14.5

"Where a customer disputes a debt and the firm seeking to recover the debt is not the lender or the owner, the firm must:
(1) pass the information provided by the customer to the lender or the owner; or
(2) if the firm has authority from the lender or owner to investigate a dispute, it must notify the lender or owner of the outcome of the investigation." 7.14.6

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.

If appropriate I will also take this matter forward as a complaint to the Financial Ombudsman Service and Information Commissioner's Office.

I look forward to hearing from you.

Yours faithfully

fermi

That's the original letter.

I linked to the follow up one, below, but a combination of whatever makes the most sense will do

Dear Sirs

Complaint

On [date] I wrote to you regarding the account with the above reference number, for which you claim I owe £90. I pointed out that I have no knowledge of any such debt being owed to [The Loan Company]. I asked that no further contact be made concerning the above account unless/until you could provide evidence as to my liability for the debt in question

Despite this, you have continued to write [and phone] and make demands for payment.

I wish to complain that you have breached the following sections of the FCA's Debt Collection Rules (2014):

[copy and paste the sections]

This has caused me considerable distress and I consider it appropriate that you compensate me for this.

In case you are unaware of the rules of that you are required to follow, I have been told that they are as follows:

On receipt of this complaint, which will be deemed to have occurred two working days after it was posted, you must promptly acknowledge it, in writing, and provide me with a written copy of your Complaints Procedure.

You must keep me updated with the progress of your investigation of my complaint.

Once the complaint has been investigated you must issue me with your final response, explaining your findings and including any proposal you may wish to make in order to put things right. Your final response must tell me if I may take my complaint to the Financial Ombudsman Service and how long I have to do so.

If you are unable to provide me with a response within eight weeks, you must write to me to explain why, confirm that I can then ask the Financial Ombudsman Service to consider my complaint and provide me with a copy of its leaflet.

I look forward to hearing your proposals.

Yours faithfully