Diskmandave -v- Robinson, Way & Co - The Never Ending Story

[diskmandave]

Didn't really want to poke the bear on this one without a valid reason, but heck... They called, so here we go! It's only £1k, payments uptodate and The Bear is seeking a £1/month increase in payment.

 

05/03/07 - CCA request sent... (by Rec/Del).

 

Watch this space!

 

Will post scans of letters soon!

 

-diskmandave-

[diskmandave]

CCA request signed for by RW&C today, but i've dressed it up a little.....

 

I can afford to play games on this one and see where they go with it.

 

1. Said would agree to £1/month increase they requested.

2. Asked for settlement figure as they've offered generous ones in the past.

3. Requested full CCA request compliance, to the letter of the law.

4. Tried as hard as possible to make it difficult to warrant a standard response.

 

Read quite a few RW&C threads tonight so have a general idea of what to expext back, who knows, might even get something we've never seen before?? Tick tock..............!

 

Dave.

[diskmandave]

I agree totally, not one of the worst at all. They just like playing silly pointless games!

[diskmandave]

'Phone call already! My Mother answered and got confused with the name and asked, "are you the solicitors?" To which the nice lady answered YES!

 

Going to be an interesting conversation later when the nice lady calls back!

 

They wish!

[diskmandave]

Well, the nice lady has just called me back...

 

Amazingly friendly! :o

 

Getting a copy of the original agreement won't be a problem, but I should understand that even though they've owned this account for the last 8 years that requesting it from the original creditor may take some weeks!!! I sooooo wanted to say some choice things at this point, but I know i'm winning this so kept it zipped!! (They haven't got the agreement!)

 

Next, went on to offer me an amazing settlement figure. 50% off, even though in the past have been told that 25% is the most they will ever offer, last had that conversation before Christmas... Told her to put it in writing to which she readily agreed and asked ever so nicely if I would call her as soon as I had the formal offer to make payment!

 

Finishing the call she actually thanked me for my time!

 

WHO THINKS THEY'LL PRODUCE AN AGREEMENT THEN?

 

Amazingly friendly! :o

 

Seems the RW&C bear CAN be poked after all!

 

How the tide has turned ehh?!

[diskmandave]

Read quite a few RW&C threads tonight so have a general idea of what to expext back, who knows, might even get something we've never seen before??

 

I don't think i've seen the above response posted anywhere?!

[diskmandave]

It's amazing what they'll agree to in two days if you press the right buttons!

 

If I could perfect a telephone with those buttons..............???

[diskmandave]

Nice to hear from someone on the inside gavv8, are you still in the collection game?

 

Could you expand on your post and pass on some tips & tricks of the trade,

for the greater good of course! (you sound like you have a conscience LOL)

 

Regards, Dave.

[diskmandave]

That's so funny! I'm a truck driver too! (Sunlight) Delivered for many a year (20!) opposite LSH, 24 Mount Street Mcr, to Holiday Inn (Midland Hotel), Mcr.

 

Wouldn't mind having a go at that game myself just to get in on the inside and report back here, loads of time on my hands!

 

Regards, Dave.

[diskmandave]

Diskmandave goes undercover

 

That would be fun

 

Let alone how funny it would be.... I've applied to be a collector for RW&C!

i.e. L&S! Yep... I have asked!

[diskmandave]

To update my thread... Got a reply today... Really thought we'ld made some ground! Absolute cr*p!!! Got the standard, thank you for your £1 payment letter! So, against all my advise, called them and took total control of the conversation, the nice guy called me "SIR" throughout and thanked me for pointing out their mistake (!) ! Even though I asked for a settlement and they gave it me verbally from the original letter...

 

This just gets better!

[diskmandave]

edited

 

Just to be sure of facts.... I've applied to be a doorstep collector......

 

Yep, I will do it!

[diskmandave]

OK! Back to the story, we're digressing a little now!

 

Nothing that spectacular to report other than they've gone back to their silly games routine, 1st called me and asked if I minded if CCA took a little longer due to them not actually having a copy even though they've owned the debt for the last eight years. 2nd sent me the thanks for your payment of £1 on your account letter. 3rd (today) Got a letter informing me that they accept my repayment proposal, that I have a week to pay it in full or the whole balance becomes due! (I seem to remember asking for a settlement figure, not providing a repayment proposal!)

 

Ok, I did e-mail their Manchester Office on Saturday night asking if they were looking for doorstep collectors in my area. I've not had a reply back yet so I think i'll let that lie until they actually get back to me.

 

That just about brings that uptodate...

 

Dave .

[diskmandave]

Nothing! It's up to them what they do with the £1. They can even send it back and not accept it, but that doesn't alter the fact that they have to comply with the request. Keep copies of everything, print proof of delivery, staple everything together. Their whole attitude changes for the better when they realise that it's them on the recieving end of the CC Act!

 

The nice lady actually called me last week and asked if I minded if it took a few weeks to get the copy agreement, fine I said, she thanked me for my time and hung up. But, i'll still stop paying them when the 12 days are up, that's the law!

 

Regards, Dave.

[diskmandave]

Still all quiet

[diskmandave]

Got a call on my mobile yesterday (21st), a contract one that's not even listed, but that's for another day..

 

Rang back, didn't even get a hello.

RW:"who's calling?"

DMD:"not telling, you haven't introduced yourself yet, i'm returning a call from an unknown number"

RW:"it's RW&C, can you confirm the number we called please"

(complete contempt in my voice from hereonin!)

DMD:"certainly, it's 07..................."

RW:"thank you, is this mr diskmandave?"

DMD:"it is, nice to talk to you this morning! "

RW:"why have you defaulted on your F&FS proposal that we accepted?"

DMD:"I didn't propose a F&FS, I asked you to make me an offer but you just jumped the gun and assumed i'ld automatically accept it at 50%"

RW:"are you in a position to pay this now to clear these arrears on your account?!

DMD:"no, you still haven't made me an offer to settle in full, you've just assumed that I will"

RW:"You must make sure you pay the increased payment you agreed to then"

DMD:"nope, both the prior were subject to you complying with my CCA request"

RW:"there's nothing on the system regarding that sir"

DMD:"I formed my letter so that you would reply to at least 2 of the 3 requests on it, which you have, you've also cashed the PO, and you signed for the letter which I have proof of, that's enough for a court"

RW:"the ****ty silence!"

RW:"i'll have to.."

DMD BUTTS IN:"you do know the law... do you?!" (old lowell joke!)

RW:"i'm going to have to pass this to our senior collections manager sir"

DMD:"she'll know the law, won't she?"

RW:"i'm going to put your account in dispute and pass this to our scm sir, I can't deal with this, thank you for calling today"

DMD:"it's been great talking to you to!"

click...............

 

Now taking bets on them providing an agreement.............. ;-)

[diskmandave]

Just realised, haven't put on a scan of letter I sent them that kicked this off..

 

 

We await...........

[diskmandave]

Not heard a dickybird yet, I did email their Manchester/Salford office the other Saturday. I was highly tempted to call in their Mount Street Mcr office on Wednesday morn' but was a bit pushed for time (multi drop driver).

[diskmandave]

I'ld certainly like to know that to!

[diskmandave]

Just realised, RW&C have defaulted on CCA request today, 23rd March.

Offence on 24/04, the 30th day falls on a Sunday so have added the extra day!

[diskmandave]

More rubbish in the post today! Suppose this is their response to Wednesday...!

 

 

CCA request is defaulted today, so their payment gets stopped on Monday, bit of a bummer because monthly payment only went out on Wed's, but on reflection by the time they realise they're missing it they'll have simultaneously committed the offence

 

Can't wait to get home for the post these days, used to hide their letters in a drawer once upon a time!

[diskmandave]

Love the bit next instalment £0.00 netxt due 00/00/00

 

You better send the a cheque dated 00/00/00 in the amount of £ 0.00

 

oursoles

 

Just extending the rope now! If they do anymore i'm going to send them a shovvel too!

 

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Just 2 more rep's for 2nd green pip!!!

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[diskmandave]

Indeed! T Y so much! It's so difficult to believe that just 6 months ago I would have hidden in my bedroom at the thought of RW or Wescot etc... calling...

 

And now, thanks to CAG i'm confident enough to take them on 1 2 1 on the 'phone!

 

And moreso, i'm confident enough to be giving advise as well!!!

 

Regards, Dave.

[diskmandave]

Advise needed re this lot please Dave.

 

I have started my own thread called Robinson, Way (ex Capital One) and would appreciate your input.

 

I would have sent link to thread but haven't a clue how to do it.

 

Thanks,

 

Tricia.

 

Just go to your thread and copy the FULL URL after you've clicked on your thread.

 

I'll watch out for it!

 

Regards, Dave.

[diskmandave]

I have an update.....!

 

RW&C have finally admitted they have to comply with my CCA request!

 

A bit of a result considering the bulls**t they give out and what they do with the £1 payment...

 

I'll scan later, but letter seems to suggest that request will go 1 of 2 routes!

Enforceable or Unenforceable...

 

I might add... If it's enforceable, i'll be paying the F&FS to get rid of it!

(Or, I may just try and get a little more knocked off!)

 

But finally, have got acknowledgement of CCA request! You just need to keep chipping away at them!

 

*Will post letter later!*

 

Dave.