freddotty
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I sent the SB letter to RW and now have another letter from them as follows: Following your request, we have today asked for a copy of the agreement/statement to verify that you are liable to pay the amount due. Your account has been placed on a temporary delay pending receipt of this documentation and we will contact you again in due course. As I still have no idea what this alleged debt is, but know for sure that I have no outstanding debts from the last 6 years, might this be the end of their harassment? Or am I kidding myself?
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What do you mean by bank account od please?
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They say their client is CL Finance ex Clydesdale
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I sent the prove it letter, and got this reply: We have contacted our client, who has confirmed that we are acting on their behalf to manage this account. Please contact the office to discuss your current circumstances, so we can agree an affordable arrangement with you. Alternatively if you already have a repayment plan in place with us, please continue to make payments as normal. etc, etc, etc. So they have not really replied to my letter. I take this to mean that this alleged debt is statute barred or they could have actually told me what it's supposed to be. Do I now just send the statute barred letter although they haven't told me how old the alleged debt is? I'm getting really fed up with this now.
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So will that credit file show up more than you see on the free trial?
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I have signed up for a month's free report with Equifax. There is nothing on my credit history apart from settled and up to date accounts. How come they have "found" this alleged debt? I can see that there is a "trace enquiry" from Robinson Way on the 10th of October, but I don't know what this means.
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I have just had my fifth phone call from RW and am still refusing to discuss the matter with them. I sent the prove it letter which was received and signed for by them this morning. I am still worried about all this, I have already used Experian for a credit report previously so would have to pay £14.99 to look at my report again, I could try Equifax but does anyone have any experience of Check My File, which claims to give the most detailed report? These people really are horrible, they are making me feel very vulnerable and I want to set my mind at rest about this alleged debt, of which I know nothing.
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Thank you. I have the prove it letter ready to post. I will report back, thank you to everyone for your help so far
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I have checked my credit report through Noddle and there is nothing showing, the address Robinson Way is not even on there (although I did live there over 15 years ago). I have a 5/5 credit rating and no trace of the alleged debt. Can you please explain what you mean by "to make sure it has not been trashed"?
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I have had another phone call this morning, this time an automated message asking me to choose an option. I put the phone down. I have also had a third letter with details of who the alleged debt is owed to with a reference number, account number and amount due. I have no idea what this alleged debt is. What do I do at this stage - as I say, I have no idea what this debt is supposed to be, I do not believe that I have any unpaid debts - I suspect this is the same one that has been passed to Robinson Way by MacKenzie Hall. Is there any way of finding out what the debt is? I feel uncomfortable not knowing and worry that it will keep getting passed from one debt collector to another. And how can I send a statute barred letter if I don't know when the debt was from? Help please, this is really worrying me.
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I have had another phone call this morning, this time I was actually working (I work from home) so I told them I couldn't talk. How long is this likely to go on and at what point do I take action? I am feeling really stressed about this.
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I have received 2 letters from Robinson Way asking me to confirm that I used to live at an old address, I left this address around 15 years ago. I did not reply to either of these letters and (maybe foolishly) destroyed them. I had previously had letters from MacKenzie Hall and eventually sent them a statute barred letter as the debt they were referring to was not only one that I didn't recognise, but was over 6 years old. Today I have had a phone call from Robinson Way which has made me feel quite scared. I refused to go through their data protection as I recognised the name, but I am very worried about what their next move might be. I wish I had kept the letters now, but unfortunately on another forum I read that the best thing to do was to bin them. Any advice please?
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