robbersway/1st Credit/Walker Morris - old halifax CC debt

[Parkerist]

In June 2008 I received a letter from Robinson, Way & Company advising that they had been appointed by Halifax Bank to collect a debt in respect of a credit card.

 

According to Robinson, Way & Co. Halifax Bank had sent me a default notice in June 2004

but as I had no knowledge of any debt or default

I wrote to Robinson Way on 21 June 2008 requesting a copy of the signed and dated credit agreement.

I also sent them a cheque for £1.00 to cover the fee payable under the CCA 1974.

 

On 25 June 2008 Robinson, Way replied that they had ordered a copy agreement from their client and would forward it to me when they received it. They returned my £1.00 cheque.

 

I heard nothing more about this until November 2012

when a company called Moon Beever wrote to me saying they were now collecting on behalf of Robinson, Way & Co.

I replied that I did not acknowledge any debt to them or their client and that having written to Robinson Way four years previously

and hearing nothing from them I considered the matter closed.

 

On 28 June I received a letter from Connaught Collections saying, "please find enclosed information as requested".

 

What they enclosed was a sheaf of papers

- 16 pages in all

- headed Credit Card Agreement Regulated By The Consumer Credit Act 1974

and containing the usual details relating to a standard credit card agreement.

 

My name and current address are shown on the print-out but nowhere does it show my signature or a date.

 

At the end of the first seven pages it says,

"TEASER 01 12/02" and at the end of the next section it says,

"TEASER 01 STD 06/04-10/04"

 

I have now received a letter from a company called Walker Morris stating that they are acting for 1st Credit

and that they are instructed that if their client does not receive payment they may issue court proceedings against me.

 

I am minded to say,

"go ahead, see you in Court and don't forget to bring a signed and dated Credit Agreement"

but wonder if any CAG members might have any advice on dealing (or not) with these people.

[citizenB]

In response to a CCA request you are entitled to receive...

 

A copy or truthful reconstruction of the agreement (it does not need to bear you signature but it must be truthful).

 

Terms and conditions from both inception and at default showing any variations if made.

 

Statement of account - showing any default/penalty charges.

 

When did you last make a payment to this account ?

[BRIGADIER2JCS]

Hi welcome to CAG,

 

What you have received is a 'reconstituted' agreement which should satisfy a sections 77/78 request under CCA 1974

 

It DOES NOT need to have any signatures.

 

It consists of the Ts & Cs at the inception of the account and the closure of it.

 

When was this account opened, when was it defaulted, when was the last payment or written acknowledgment mad on the account , in the hands of 1st credit if the balance is £750.00+ they could issue a statutory demand.?

[BRIGADIER2JCS]

BTW Walker Morris a 'high power' law firm.

 

They have I believe a former senior director from the OFT on board from last year to advise on the hand over from the |OFT to the FCA.

Edited August 12, 2013 by BRIGADIER2JCS

[BRIGADIER2JCS]

In response to a CCA request you are entitled to receive...

 

A copy or truthful reconstruction of the agreement (it does not need to bear you signature but it must be truthful).

 

Terms and conditions from both inception and at default showing any variations if made.

 

Statement of account - showing any default/penalty charges.

 

When did you last make a payment to this account ?

Post s Crossed:!:

[sequenci]

Hello there.

 

When was the last payment towards this debt?

[Parkerist]

Other than the details already posted I have no other information. The original default notice was supposedly issued in June 2004. How long do banks wait from first default before issuing their notices?

[BRIGADIER2JCS]

3-6 months late/missed payments, the default notice however has nothing to do with the actual date a default is placed on the account and reported to credit reference file, the DN is a notice giving the debtor a period of time to for example pay off arrears within 14 days if the debtor does so no default is placed, failure to remedy the default sum will result in the default being placed on the file. The ICO states that this should be within 6 months.

[dx100uk]

statute barred I bet

 

ruddy fleecers

 

dx

[BRIGADIER2JCS]

statute barred I bet

 

ruddy fleecers

 

dx

Hi dx, can't see Walker Moriss touching this if it is SB.

[fkofilee]

Sounds like a SB debt... Hmmmmm ..

 

Tell them where to go if ill be honest ^__^