Robinson Way

by curvy63 Thu Aug 17, 2017 1:10 pm

Hi,

It took me quite awhile to find this forum after going to the old website and discovering the "takeover". I'm so glad you're all still here. Smile

I have 2 questions regarding the take over and also with Robinson Way. Is the take over company a conglomeration of a few different debt collectors? In my dealings with Robinson Way, their correspondence is different now to having dealt with them a couple of years ago where they completely backed off after letter 3.

This time they are refusing to deal with my "internet based letters" and "will not enter into repetitive communications with (me) and any further based templates will not be acknowledged by us unless you provide a valid query or dispute."

Is continuing on with the 3 letter process (my next move is to send a bill) the best way to go? Or is the "Notice of Conditional Agreement" stating my agreement to pay, without prejudice, in so far as they prove that the 4 rules; full disclosure, consideration, lawful terms & conditions, and wet signatures have been followed in the first place? (A suggestion on another thread) This move is to thwart an attempt to take me to court as willing to pay?

I also read on a thread that as I did sign the original credit agreement with Halifax credit card application that there was a clause that stated they have the right to assign this debt over to a debt collector, I am obligated and cannot really fight this? In a letter from Robinson Way, they did state that they were sold the debt.

Just wondering... the letter process has always worked before, but am I right that they (debt collectors) realise they are losing money and are stepping up their game?

Kind regards,

by Tiggy Thu Aug 17, 2017 1:16 pm

Robinson Way only ever act as an agent, so in the past they could have been working direct for Halifax, but I suspect now they are working for a Debt Purchaser which is probably Hoist Portfolio Holdings 2 Ltd (HPH2).

Look on their letter to see who their client is.

by curvy63 Thu Aug 17, 2017 1:20 pm

Yes, in the letter today they state that Robinson Way is an appointed representative of Hoist Finance UK Limited.

by **daveiron** Thu Aug 17, 2017 1:22 pm

The agreement they sent you, was it a 'true certified copy' or just the usual poor photo copy ?

by curvy63 Thu Aug 17, 2017 1:25 pm

Hi,

They haven't sent me anything yet. Just a note saying my account will remain held until my requested agreement has been received from Halifax. They also state that because they sent me a Notice of Assignment, they will not be providing me with a Deed of Assignment.

Kind regards.

by Waffle Thu Aug 17, 2017 1:30 pm

You probably are right, if they are stepping up their game so should we be.

Listen to what Tiggy is saying to do, its quite important to know their position, if they are acting as agent come back and let us know we can give you some statutory law and/or case law that might get them off your back for now.......

If you have been making agreed payments and the OC sold it anyway then it should be viewed as unfair treatment, you would have to go after the OC and tell them this. There are news article stating this kind of stuff especially if its in the first year.

http://www.bbc.co.uk/news/business-19511542

by Waffle Thu Aug 17, 2017 1:33 pm

You have a right to see evidence that your title has been transferred to them, they are fobbing you off.

If the account is held wait until this matter is dealt with then request the proof of documents of title (AKA deed of assignment), its your right to see that...... This way as well you will buy yourself a little more time

by curvy63 Thu Aug 17, 2017 1:36 pm

ok, should I send them a letter stating I will wait until they send me the requested paperwork?

Thank you Smile

by curvy63 Thu Aug 17, 2017 1:39 pm

p.s I received their last letter after I sent off letter 3. (stating my account will be held until my requested agreement has been received from Halifax) You would think this would have all been sent over when assigned the alleged debt?

thank you Smile

by Guest Thu Aug 17, 2017 1:42 pm

Hi all

Looks like they think they know the extent of 'our' knowledge having bought out goodf and removing the best stuff (or at least access to it).

Whatever they say about Internet templates fact is they still seem to be working.

Yes we need to raise our game, but we are already doing so.

So let's keep the faith, lose the fear and press on regardless. We're only f@@ked if we stop researching.

Cheers!

by **assassin** Thu Aug 17, 2017 1:57 pm

They use pro forma paperwork in computer generated templates, and we may use internet based templates which are the same pro forms documents, so no difference.
Basically they are getting mardy and refusing to deal with you as they think they can do it to you, but you cant do it back to them, and here is the problem, they dont like you doing to them what they are doing to you.

by curvy63 Thu Aug 17, 2017 2:25 pm

Thank you, I just needed a bit of inspiration... sometimes these letters get you down Sad

I've decided not to send a letter of Conditional Agreement as it is a bit complicated and over my head... but am resending letter 3 taking note of some recommendations to question the "internet templates", refute a letter they tried to sneak in saying they agreed to my proposal of payments (I assume off the back of my agreement with Halifax), and state a willingness to pay any financial obligation I might lawfully owe. It does validate the whole process of what we're doing that they are upping their game.

Smile

by Tiggy Thu Aug 17, 2017 5:24 pm

curvy63 wrote:Thank you, I just needed a bit of inspiration... sometimes these letters get you down

I've decided not to send a letter of Conditional Agreement as it is a bit complicated and over my head... but am resending letter 3 taking note of some recommendations to question the "internet templates", refute a letter they tried to sneak in saying they agreed to my proposal of payments (I assume off the back of my agreement with Halifax), and state a willingness to pay any financial obligation I might lawfully owe. It does validate the whole process of what we're doing that they are upping their game.

I'd be tempted not to respond as you may inadvertently trip yourself up if you start referencing any previous offer to pay.

If it's on hold, leave it that way.

by petesomething Thu Aug 17, 2017 8:17 pm

Hi curvy63

see if they send the agreement , if they do it must be a true copy to stand up in court

but you have sent letter 3, you need to send the estoppel ,if they reply after estoppel bill them and send the cover letter with the bill also on other post i replied to you can see two guys who won on billing copy and send with bill and cover letter , they will reply in a few weeks so keep going , you want to try and make them give up

remember these are just people in a office they have no special powers , try not to worry Very Happy

by discodave4093 Thu Aug 17, 2017 8:39 pm

you could also add this to your next letter to them

The fact that my letters are based on templates is irrelevant, otherwise the same thing could be said about your template letters.
There is no law stopping anyone from using template letters, which are used universally by many, if not all companies, which does not invalidate them whatsoever.

by Guest Thu Aug 17, 2017 8:42 pm

Hi discodave4093

Don't know if you meant it, but your comment is REALLY funny!

Cheers!

by Guest Thu Aug 17, 2017 8:44 pm

Hi discodave4093

No fair! Put it back - i'm still laughing!

Cheers!

by joedalton Thu Aug 17, 2017 9:10 pm

Hi, I am new to this forum but was part of the old forum for about a year and I have to thank Tiggy, Ceylon and others for their assistance. My experience with Rob Way was to ignore all their letters. The moderators advised me to carry on with the 3 letters plus the estopple which I did. Even after the estopple I received threatening letters from Rob Way which I ignored and finally all went quiet. Unfortunately another debt collector has taken up the mantle so I am now in theprocess of doing letter the 3-letter process with them too.
Hope this helps.

by petesomething Thu Aug 17, 2017 9:25 pm

Hi joedalton

The problem is if you ignore letters you may get a court claim, you want to try and stop this before this stage

by Guest Thu Aug 17, 2017 9:26 pm

Hi joedalton

Feedback always helps, so thanks very much - daveiron will be chuffed!

And welcome.

Cheers!

by joedalton Thu Aug 17, 2017 9:36 pm

Hi petesomething, Yes I ignored the letters but I meant I ignored the letters which I received after I had sent the 3 letters plus the estopple. Can they still threaten court after they receive the estopple? I don't mean to mislead anyone, I was just saying what happened in my case. Your input here would be very much appreciated.
Thanks.

by petesomething Thu Aug 17, 2017 9:50 pm

Hi joedalton

yes they can still threaten but if it was some time ago i would not think they would bother now , they probably never had the paper work, if they do send any more letters send the bill with cover letter,

by joedalton Thu Aug 17, 2017 10:12 pm

Hi petesomething, thanks for the advice as I was under the impression that the stopple was the end of the matter. I didn't know that the debt collectors could still progress further. In the old forum I asked the question about receiving letters after the estopple, and whether I should send Rob Way a bill. Their reply was not to bother with the billing as it was a waste of time, which is contrary to what you are saying. Let's hope it does not get to that stage this 2nd time around as it is now with a new debt collector. Thanks again.

by Tiggy Thu Aug 17, 2017 11:06 pm

joedalton wrote:Hi petesomething, thanks for the advice as I was under the impression that the stopple was the end of the matter. I didn't know that the debt collectors could still progress further. In the old forum I asked the question about receiving letters after the estopple, and whether I should send Rob Way a bill. Their reply was not to bother with the billing as it was a waste of time, which is contrary to what you are saying. Let's hope it does not get to that stage this 2nd time around as it is now with a new debt collector. Thanks again.

The reason why people were advise to stop billing huge amounts is that 3 people tried to claim them through the Courts and failed badly, they only just got away with not having to pay massive costs.

by discodave4093 Fri Aug 18, 2017 12:58 am

yes. anytime I am sending I bill I don't use the figures that are already on the templates, I change them to my own figures and keep them reasonably low. I wouldn't think of sending a bill for a million pounds for example

About my comment being funny I take it you mean the bit I removed about seeing the same letter several times. I sometimes do insert a funny comment or 2 into letters just to let them see I'm not taking their threats seriously

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