Hi, hope someone can give me some advice here.
I lost my job 3 years ago, sacked while off sick with depression. While on ESA I made offers to all my creditors of £1 token payment, which some accepted and I have continued paying until the beginning of this year. There wasn’t enough money in in January to pay it, but it went through in February. It has been paid a couple of times since.
I’ve since become a full time student, training to be a teacher. I just can’t pay even the £1 at the moment.
I have a debt with Robinson Way for £318, originally a Newday payday loan. They wrote in February saying thanks for the payment, but there was no payment plan in place to call them. They have called at my house and spoke to my parents 3 times. They told them they have visited me several times before which is a lie.
Should I send the 3 letters? They can’t call me as we’re changed the number and just wondering how to deal with that part of the wording. I want them to stop calling at the house and making my parents who are in their 70’s and 80’s worry.
yes you should, are you serious 3 calls for £300 it must have cost them that in fuel already, my they are desperate. So yes use the letters and also use the removal of rights of access letter which you should find if you trawl bailiffs or search.
ok thanks, so I should say I’m logging visits in the letter? I didn’t log the other visits so I don’t know precisely when they were except one was 2 weeks ago.
I haven’t received any other letters but I do have other debts, Barclaycard for around £2000, I believe they use Robinson way too.
I’ve been reading a lot more on this site. Today I’ve purchased some lever arch files and pockets, and am currently going through my last 3 years of mail. There will be gaps though as I have already shredded some of it but hopefully it may help.
I have found one other Robway letter so far, they are claiming I owe shop direct £1800, which I don’t. My account was around £500. I am concerned about which debt they may be pursuing with the home visits, and how they may react if I respond to the £300 debt.
I’ve also come across several Lowlife letters, the latest of which is from Lowlife legal and is threatening court action. I am presuming it is best to go through everything first.
Thank you again to the people who made this site!
if lowlife are threatening legal then use the Pre action protocol letter under tiggys / faljays posts, would it be possible to upload this?
If Lowell threatened court and nothing came of it, it’s a safe bet they didn’t go through with it, but you may want to check with the courts to find out if you have a CCJ registered in your name by Lowell, though if so they don’t appear to have followed it up.
As for the visits, send Robber, Son and Waylay this letter, if you wish and include a Denial of Implied Right of Access letter, as well:
Their Reference Number:
I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY IN ANY WAY SHAPE OR FORM
NOTICE TO AGENT IS NOTICE TO PRINCIPAL: NOTICE TO PRINCIPAL IS NOTICE TO AGENT
FAO: Whom ever you have been dealing with
I writing concerning your doorstep agent’s unsolicited and unlawful visit to my house on, DATE.
Further to this letter all calls from your Doorstep Collectors must cease unconditionally and with immediate effect.
There is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions, etc. (Armstrong v. Sheppard and Short Ltd  2 Q.B. per Lord Evershed M.R.).
Take note, I revoke license under English Common Law for you, or any of your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless. Any trespassers you attempt to send therefore will be dealt with accordingly.
I hope I have made myself clear in this matter.
Go here to download the Denial letter and/or Notice:
Hi, just to update you all, the 3 letter process and implied right of access removal got one debt cancelled and haven’t heard anything regarding the others since posting here. No visits and no letters from these nasties 🙂 Virtual gin and tonics all round on me 😀
Well done and here’s to silence.