Halifax loan under Kensington DMP, now Robinson Way chasing

[Consumer dude]

Have you put in a cca request ?

[tally_69]

No not done anything., Been dealing with CAB

[tally_69]

Anyone had any run inns with These as Robbersway have passed it on

[Consumer dude]

No not done anything., Been dealing with CAB

 

 

 

 

Do you accept the debt ?

[tally_69]

What do u mean.. Yeah i took loan out?

[silverfox1961]

Yes but not much.

 

They sent me a threat-o-gram about a old catalogue debt and scuttled back under the stone when I sent them a prove it letter.

I so wanted a fight but they wouldn't let me

[Consumer dude]

ok, its up to you, you could contact the lender and make arrangments to pay or contact them for more advice..

[tally_69]

Fox

You've give me some sound advice lately. Have you read my updated Scenario

[silverfox1961]

Halifax/Kensington then on to RW now sold to Wescot???

 

I also notice you are asking questions about this and courts.

 

I'll nip over and refresh my memory (lot of that needed nowadays)

[tally_69]

Must admit aint sent anything to any1. Left it in hands of CAB. Who seem to be passing me from Pillar to Post..

[silverfox1961]

Tally, I would keep your questions about this and future possibilities to this thread as your other posts will not get the response as they don't go into details.

 

The Financial Adjudicator?? is this the Financial Ombudsman?

 

You cannot send what you do not have. Just tell them that.

 

Ask yourself why have RW sent this to Wescot. Do they not have all the paperwork?

 

The reason I said to SAR Halifax is to get everything they have on file about you including the account history. This tends to show dates of when things have been done (default, termination, charge off). If any of those don't tally with what you know, there will be something fishy going on.

 

If you sent RW a CCA request and they passed it on to Wescot then they are in trouble as the account has to be put on hold until they comply.

If you haven't sent a CCA request yet, send it to Wescot.

[IdaInFife]

3 threads merged...Please stick to the one thread

[tally_69]

In the CCA Letter whats with all the 77(s) and 3(b),6

 

Do i have to leave them in or what. Dont understand it

 

And yes its the Ombudsman

[silverfox1961]

With the CCA request, you don't have to understand the terminology but if you do want to, have a look at the regulations:

 

The Consumer Protection from Unfair Trading Regulations 2008 No.

 

It's only a short read:-|

 

And yes, leave everything in as your debt is a loan and covered by s77 (if it was a credit card the debt would be covered by s78)

 

This isn't about avoiding your debt, just making sure that the DCA in question has the right to be collecting it. Like I said, you have to wonder why RW dropped it. If they were so sure of their position and with it being quite a large amount, they would hold on to it.

[tally_69]

Cheers.

 

I think al do this if i recieve anymore letters. It wont make things worse will it

 

Do you know any debt management companies i can deal with please..

[silverfox1961]

If you want to go the DMP route, have a look at Payplan and CCCS. Both of them are funded by the credit industry and don't charge you.

[tally_69]

When i google Payplan theres a few you got a website for either or both ?

[silverfox1961]

This one:

 

Free Debt Management Plans, Free IVA Debt Advice and Free Debt Help | Debt Advice | Payplan

[tally_69]

Should i sit tight untill i hear final say from Ombudsman ?

[tally_69]

What do you think i should do. For the past year i've ignored everything they've thrown @ me as im dealing with CAB and Financial Ombudsman ?

[tally_69]

Why would Halifax after 6 year all of a sudden start sending me Random STATEMENTS. Direct from halifax, Thing is im also gettin letters from Wescot after ignoring

 

Blair & oliver

 

Eversheds

 

and Robbersway :-?

[tally_69]

After a Year of various different debt collectors hounding me i've received this ?

 

My full situation is in the Halifax Page (moved from here)

 

Who are these

 

What shall i DO

20100510082302.pdf

[tally_69]

NOW WESCOT

 

I've Received this now.. Please Help

20100510082302.pdf

[tally_69]

Do i ring them, Do i Ignore them, Do i just wait see what happens next and let them take me to court, I still haven't heard from Financial Ombudsman ? PLEASE ADVICE REQ

[babydoll0141917]

Hi Tally

 

did you send off for your CCA on this account??