Robinson Way, Where from here?

coasterbloke

After following the sagly advice on these forums, I recieved a letter from Robinson Way today with the following hand written on the bottom of one of their standard reply letters : "Please find enclosed your notice of assignment as requested and your £1 postal order as no signed agreement is available" The notice of assignment (is this the same as the deed of assignment i requested??) is a single page letter addressed to me dated 13th January 2006, that I never had delivered to my address!!! Nor is it signed despite following Phat Bear's letter here :
http://forums.moneysavingexpert.com/showthread.html?t=565679
"2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists."
Where do I go from here? Is this RobWay essentially saying "OK you got us" or do I need to take this further? I'm sure I saw somewhere on these forums that I should follow it up asking for any defaults to be removed from my file & advising them of thier duties under the DPA? Also dare I say it compensation under the Data Protection Act???? (well I live in hope!) Many thanks for any replies and I'll keep you all posted!

CB

RAS

No signed agreement means that they cannot enforce the debt.

What date did you send the letter to them? As you have to give them 12 working days +2 +30 days before you can snd the bogoff letter.

Do they have defaults against you? and have you paid them anything?

coasterbloke

RAS,
Letter was sent 12th November so still waiting to send a BOG OFF letter(what should I write?) , I've never paid them a penny, the debt is "possibly" (if I acknowleged it teehee) from over 10 yrs ago when I was at college and had a credit card and then moved flats a couple of times and had forgotten about. So it is statute barred anyway... Just wondering my next course of action against these bottom feeders! When we got the first pay up letter a few months back my wife paniced and was ready to set up a payment with them, until the fantastic people on here gave us inspiration to fight!

coasterbloke

anyone tell me what to do next? Do I just walk away now?

MKDon

If I've got this right, you are just going to have to wait until December 30th before you can send them the "Bog Off" letter. I the mean time, I wouldn't be surprised if they don't write to you with some sort of special deal or suggest that you have some sort of moral obligation to pay.

A phone call to National Debt Line might be a good idea, it's totally free even the telephone number 0808 808 4000. They will be able to advise you about the "Statute barred" status.

coasterbloke

I've just had a phone call off Robinson Way, asking me to settle this balance NOW in FULL by telephone!!!!! They said I've sent them a £1 Postal order as a minimum payment so have admitted the debt is mine! I pointed out THEY returned the PO to me, which was sent as the fee for the search for my statements & signed CCA and that they were in default as they had not sent the CCA within the 12+2 days. The operator then said THEY don't need a CCA to enforce the debt, and that I HAVE to tell him if I owned my own home & if I worked! (I did neither). He just kept on shouting over me "Do you work Mr Coasterbloke" so in the end I wished him a Happy Christmas and advised him I was terminating the call and ALL future contact MUST be in writing. Have I done right???

RAS

Yep. Well done

OK, this is statute barred, if you did not pay or acknowledge for 6 years, and they have no CCA!

Even if you had paid £1 recently, if the debt was statute barred at any point prior to that date, it remains statute barred.

Without a CCA they cannot pursue you through courts, so this is just a very nasty verson of the

I wouldn't be surprised if they don't write to you with some sort of special deal or suggest that you have some sort of moral obligation to pay.

that MKDon warned you about.

If they suggest they are refering this debt for action, the action is going to be filing it in the irrecoverable drawer, if not in the round filing cabinet.

Any further contact by phone, ask the caller for their full name and tell them that you will be reporting them to OFT, FO and Trading Standards.

MKDon

Well done Mr Coasterbloke,

Just for the hell of it, I would send them the "Bog off" letter on the 30th (have I got the dates right RAS?? RAS is good at this stuff ) Might just as well do the "boots & braces" thing.

coasterbloke

Thanks Guys (and gals?) What do I put in the BOG OFF??? Is there any link on here? I'll have a hunt around and get back if I get fruitful, Once again, many thanks & Merry Xmas!

MKDon

coasterbloke wrote: »

Thanks Guys (and gals?) What do I put in the BOG OFF??? Is there any link on here? I'll have a hunt around and get back if I get fruitful, Once again, many thanks & Merry Xmas!

Sorry, I should have included a link in my post, here is the "bog off" letter. Credit for that goes to weller I think.

Don't be to keen though, if I've got the 12 working days + 2 + 30 correct, then you will have to wait until the 30th of December before you can send it.

tealady

Hello. If these pondlife ring again and they ask to speak to Mr Costerbloke tell them he's at his solicitors preparing to sue Robinson Way for harassment and you need their name to add to the list of people being summonsed.