Robinson Way Debt Collectors

sourcrates

MaebyJade wrote: »

A few years ago I had a debt with Halifax, I rang up Halifax and paid it in full. However, for several months after I was still getting chased by them, even having their bailiffs sent to my house twice. .

Hi,
You have to be careful how you deal with any DCA, as behind all the nicey, nicey, "can you afford it" tripe, they are all out to make money from you.


Just one point I must clarify, for other peoples benefit mostly.


The people knocking on your door were "doorstep collectors".


These are just normal, self employed folk usually, who are just doing a job, they have no special powers whatsoever, so its important to note, they are NOT bailiffs.


Only a court can instruct a Bailiff, not a DCA.

sourcrates

Smiffie wrote: »

Should I just send the first letter or both letters? Thank you.

Top one first.


If no response after a few weeks,


Follow up with the second letter.

Smiffie

sourcrates wrote: »

Hi,
You have to be careful how you deal with any DCA, as behind all the nicey, nicey, "can you afford it" tripe, they are all out to make money from you.


Just one point I must clarify, for other peoples benefit mostly.


The people knocking on your door were "doorstep collectors".


These are just normal, self employed folk usually, who are just doing a job, they have no special powers whatsoever, so its important to note, they are NOT bailiffs.


Only a court can instruct a Bailiff, not a DCA.

I have read that DCA con not just turn up and if they do you do not have to let them in. They can not ring you if you state that they are not to contact you by telephone. Thank you sourcrates and everyone else for the help and information. I will keep you all updated.

Smiffie

fatbelly wrote: »

Is this the same debt you posted about in 2014?

I've just checked my paperwork only to find out that this is the same debt as 2014 and I sent a prove it letter but did not hear anything from Robinson Way again until just before Christmas 2015.

sourcrates

Smiffie wrote: »

I've just checked my paperwork only to find out that this is the same debt as 2014 and I sent a prove it letter but did not hear anything from Robinson Way again until just before Christmas 2015.

Ah well, in that case, I would say different advice would apply.

Your angle now should be that as the creditor has not enforced that judgement in 6 years, they would need to go back to court in order to do so.
The court would need a good reason why they have not already enforced there rights, and if they can't offer one, the judge would not normally allow them to continue enforcement action.

6 years is concidered time enough, so you should write a letter containing the above, and send it off to them.

Smiffie

sourcrates wrote: »

Ah well, in that case, I would say different advice would apply.

Your angle now should be that as the creditor has not enforced that judgement in 6 years, they would need to go back to court in order to do so.
The court would need a good reason why they have not already enforced there rights, and if they can't offer one, the judge would not normally allow them to continue enforcement action.

6 years is concidered time enough, so you should write a letter containing the above, and send it off to them.

Thank you very much, I will take a slightly different angle now where I am now going to apply for Robinson Way to send me the court judgement as I need to identify when this judgement was made. I am not sure how to write this letter so any help would be appreciated please?

Smiffie

Smiffie wrote: »

Thank you very much, I will take a slightly different angle now where I am now going to apply for Robinson Way to send me the court judgement as I need to identify when this judgement was made. I am not sure how to write this letter so any help would be appreciated please?

I have done clearscore (which is done through Equifax) and it states that I do not have any court or Insolvency data and I am not in default and i do not have any repossessions.

sourcrates

Smiffie wrote: »

I have done clearscore (which is done through Equifax) and it states that I do not have any court or Insolvency data and I am not in default and i do not have any repossessions.

You can check here for CCJ's :

http://www.trustonline.org.uk

If over 6 years old they won't show on your credit file, as it will of fallen off.

Smiffie

sourcrates wrote: »

You can check here for CCJ's :

http://www.trustonline.org.uk

If over 6 years old they won't show on your credit file, as it will of fallen off.

I have checked and no ccj's on my credit. The letter in 2014 states county court but the letter before Christmas does not it states Recent credit activity notification but nothing about CCJ. I am sure the CCJ has gone over the 6 years. what is the best action to take now? thank you for the help.

welshsue

MaebyJade wrote: »

Be wary of Robinson Way, by my personal experience with them they certainly don't abide by the rules. A few years ago I had a debt with Halifax, I rang up Halifax and paid it in full. However, for several months after I was still getting chased by them, even having their bailiffs sent to my house twice. I rang and written to them with proof, from the Halifax, that this particular account was closed but that didn't stop them. Eventually I'd written to the financial ombudsman and sent them a copy. I've not heard from them since.

They tried it on with my Hubby about 5 years ago, told him he had a debt outstanding to Ebay(account fee's). He Never has had an Ebay account. Sent a prove it letter. Never heard from them again