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Showing results for tags 'robinson'.
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Hi, I received an email this afternoon from Robinson Way chasing a debt of around £4500. This debt fell off my credit report in June this year, and I think its statute barred, although I don't know if I ever made payments that have not been recorded and I have changed banks since so its not easy for me to check I think I understand the burden of proof is on them but I am unsure what my next move should be. On my credit report it stated 'owner gone away' before it fell off. Thanks in advance for any advice.
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nowlo everyone, I was hoping you'd be able to give me some advice on my current situation. I really want to keep on top of things. Natwest Loan £2,505.78 Natwest Credit Card £1,686.25 Natwest Overdraft £500.00 for my credit card, or shall I say Triton debt management. At the time I was awaiting confirmation of JSA, housing benefit etc and had no income. They accepted a monthly £1 token payment. End of last month they constantly kept calling me, I answered to shut them up. They told me the first agreement wasn't valid as I had no income and therefore it shouldn't of been made. Said the person that called me was 'new' (like that's MY problem) . I was forced into doing an income/expenditure there and then. Somehow they figured I could afford £7.99 a month . I couldn't, but felt really forced. I agreed. Since then I did a proper inc/exp for myself, and down to bear minimums for outgoings I'm still -£8.99 minus a month. I wrote a letter, which I sent recorded with an enclosed copy of my inc/exp saying I cannot afford the repayment agreed, and as of 5th Sept I will be making a £1 token payment, via postal order for the next 3 months (on 5th of every month), when I will review my financial situation (and could freeze interest). what I'd like to know is, was this right thing to do? What are the chances of them freezing my interest? They would have received my letter a long time before that payment was applied for. I'm worried they can keep applying for this amount. How can I stop them? What rights do I now have? Can they take me to court? I'm using my PPI for the Natwest loan. So that's covered. Any help appreciated.
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I have an old Nationwide credit card debt that has changed hands a few times. It now appears to be owned by Robinson Way who have started sending me collection letters. The debt had a default date of 20/12/2010 and dropped off my credit file last year. However, I have just checked Noddle and it has reappeared with a new default date of 06/2012. When Robinson Way contacted me four weeks ago, I sent them a Prove It letter to see what they had. They have replied saying "Please set out simple and reasonable details of your dispute or query, Please call us or write to us setting out the reasons why you dispute your liability for payment. It would also help if you could send any supporting documents that will aid us in resolving your dispute." This debt has not been paid or acknowledged since August 2011 so I believe it to be statute barred (I am in Scotland) but I don't want to send a statute barred letter until I get the default date amended back to the original date so it drops off my credit file again. Any advice on how to proceed would be appreciated. I am not in a position to repay this debt. -
Had an old egg card that I defaulted on back in 2010. Agreed payment of £1/month with egg then was informed barclaycard had assumed the debt. Continued to make my payments but they suddenly started getting rejected by barclaycard. Eventually cancelled the standing order. Last successful payment was may 2012 so about 9 months until it is statute barred. Now out of the blue had a letter to my old address (new occupant there has sent it on to me) saying Robinson Way on behalf of Hoist are instructed to recover the debt. First question is whether or not to ignore the letter as they still haven't quite found me? Can they start proceedings without having my correct address? From reading other posts on the forum it seems highly likely they wont be able to provide a true copy of my signed agreement they wont be able to take any enforcement action in which case making contact with them now would head off any likelihood of court proceedings that i dont know about. Any advice will be greatly appreciated.
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I'm want to clear my debt from Robinson Way (ex BarclayCard debt). They are willing to take an offer but they tell me that this would show on my credit record as partially satisfied and would still remain on credit record for 6 years. OR if I pay the outstanding balance in full then it would show a satisfied debt on my credit record and would be not there for the next 6 years. Is this true?
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Hi I had a letter a couple of months back from Robinson Way regarding a Barclaycard account. I have never had a Barclaycard called them immediately and they told me that it was an egg card. I did have an Egg card several years back and this went in to a DMP but then the DMP Company went in to liquidation and hadn't been paying. I did make payments hug these were returned 'suspense' so didn't make it to the right person. I have checked my Experian and this account has dropped off my file. I don't know if it would be considered SB. How would I find this information out? They have written to me this week offering a 50% discount and then today offering 10 days to contact them before they start litigation proceedings. I cannot afford any negative points on my credit report at the moment so am not sure how to proceed. What would you advise?
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Hello I'm a bit non-plussed on this one but I've had a letter from Barclaycard claiming they have sold on a debt from a card I've never had amounting to over 6k and now a letter from Robinson Way asking for payment. I've had this some years ago from BC and sent a letter to say it's not my account, they returned a large document of T&Cs as a reply??? Can anyone advise on how to deal with this ... send another letter? Wait for a summons? From what I read Robinson Way use some nasty tactics.
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I've recently started to receive letters from Lowell and today, out of the blue, a phishing letter from Robinson Way. I've plumped for a free Noddle file and can see Mkdp and Lowell. Lowell have mentioned a Barclaycard and their balance reflects what is in my file. I presume Robinson Way will follow the phishing letter with demands for payment. I presume both relate to old Barclaycards. The default dates show mid 2010 however I was thinking the dates would have been 2009. Is there a chance the default dates are wrong? How do I go about moving this forward? One account was opened in 1994, one in 2003. I'm confused about what I should be asking for having read different things about a CCA pre 2007. There will be charges no doubt, not sure about PPI. I need to engage with Lowell now as they've been persistent , but will wait for Robinson Way to say exactly what it is they are chasing. The Lowell account is a card account that was sold to Barclaycard , maybe an egg card. When would a true default date be?
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Hi this is my first post so sorry if its in wrong place. any help would be appreciated. hi is this the right one Hi could someone please help i have a copy of my credit agreement but need to know if its enforcable or not it doesnt have my signature on ? many thanks for any help. -
Hph2 ltd/robinson way/ ex RBS tesco debt
TheSleeplessDebtor posted a topic in Royal Bank of Scotland
HPH2 LTD/ROBINSON WAY/ EX TESCO DEBT Hello, thank you in advance to anyone that can help. 1. In May 2005 I took out a £12k consolidation loan over 3 years. 2. In 2007 I ran into money problems and entered into an agreement to pay less per month. 3. By 2008 I lost my job and defaulted on several payments eventually I just stopped paying anything. 4. The account passed through several DCA’s and I tried to negotiate a reduced FFS figure several times however they always wanted more than I could afford so I paid my other debts instead. 5. The last payment I made was in 2011 and the debt was 6k at this point. 6. They continued to chase me for payment and I continued to try to offer settlements to no avail. 7. In 2014 Tescos wrote and offered me a FFS which I wrote back to accept with the proviso that they confirm in writing that they would not sell the rest of the debt on etc. 8. I sent the letter recorded delivery but I did not get a reply to this acceptance letter. They just continued to send statements. 9. In the last few months I have received letters from Robinson Way showing the debt is now due to HPH2 although I have not received a notice of assignment. I have written to request a copy credit agreement. 10. Finally Howard Cohen have sent a notice of pending legal action to which I have responded with a Pre Action Conduct - Request for Information letter. Judging by other posts that I have read this will almost certainly go to court. I cannot afford what they are proposing as they have added so much interest and charges (it’s now up to 10k). The debt is long since off of my credit files and as I have continued to try to negotiate settlements it is a long way off of being statue barred. I really would be grateful for any advice anyone can offer to help me reach a settlement (or maybe in my wildest dreams write off the debt) Yours Sleeplessly. -
MKDP issued county court claim for HSBC overdraft
chris223b posted a topic in Financial Legal Issues
Hi, I had a previous bank account (but not old enough to be SB) with HSBC which was overdrawn by a large amount. Negotiations to sort things out with HSBC broke down and I've not heard anything from them for 3 years, and have since moved. I came home yesterday to a claim form (dated 29th August) from MKDP LLP who now appear to own the account. I presume they have traced me, but I have had no prior correspondence from them. The amount claimed is a lot higher than the overdraft was, so will doubtless include countless fees. The particulars of claim are 'The Claimant claims the sum of being monies due from the defendant(s) to under a bank account facility regulated by the Consumer Credit Act 1974 and assigned to the claimant on . The defendant(s) account number was . It was a term of the bank account that any debit balance would be repayable in full on demand. The defendant(s) has failed to make payment as required by the demand for payment sent by . The claimant claims the sum of and costs. The claimant has complied, as far as is necessary, with the pre-action conduct practice direction'. No other supporting documents are included, which I suspect is because there aren't any - the overdraft was originally agreed back in 2001 entirely over the phone and I never signed anything or was sent any specific terms before having it. I'm think defend is the way forward as I definitely do not owe the figure claimed, but I don't know what the actual figure should be so I can't really claim partial admission since I don't know how much to admit, which leaves full defence as the only option, and if they don't back down, a full & final settlement offer to try and avoid a CCJ being issued. I understand that section 77 requests are not relevant to an overdraft, but do I have any other rights under the CCA to demand supporting documentation for the claim and would I be able to use failure to supply this as a defence as you can with a failed section 77 request? Some advice on the best way to approach this would be appreciated! -
Hi, I'm hoping someone can offer me some advice. A few years ago I was the victim of identity theft. I was made aware of this and checked my credit report, someone had applied for several credit cards in my name at a previous address. This had left several defaults on my credit I made contact with these companies through Experian and all these companies confirmed i had been the victim of identity theft and cleared theses defaults from my credit report. I also as advised reported this fraud to the police via action fraud. One of these companies was barclaycard. I have a letter from barclaycard confirming I did not make an application and any fraudulent spending has been removed from this account. I believed the matter settled. However I've recently noticed a default on my credit report for £1351. It had been placed there by Hoist Portfolio holding 2 limited. I disputed this via experian and was told to call barclaycard fraud team. Which I did, they confirmed that I did not owe any money and the only record of myself was the fraudulent application previously mentioned. I then as advised by experian wrote to Hoist Portfolio/Robinson way stating that the date of birth on the default record was incorrect and I was not living at this address at the time the account was created and enclosed a copy of the letter Barclaycard had sent me confirming that i had been a victim of fraud. A week later i received a letter with a Barclaycard letter head stating that this account had been transferred to HPH2 in October 2015 and all payments shall be paid to HPH2. This was 3 months after i received a letter from barlcaycard confirming I'd been a victim of fraud. How do I deal with this? This is adversely effecting my credit rating?!
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I have also had my Barclaycard debt passed to a debt collection co., but this morning I had a 'phone call from B/Card telling me that they had never had a debt cancelled and that they did NOT have to produce a copy of their agreement for credit cards. Are they correct please?
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Hi I defaulted on a Natwest credit card in 2013. I haven't made any payments to Natwest or any DCA since this. I've had Moorcroft, Wescot, Cabot and now Robinson Way on my back. Natwest have defaulted me on my credit file and I notice that Cabot have also done (using the same default date that Natwest did). I've now recieved a letter from Robinson Way saying that Cabot have passed them the debt. What does this mean and should I send the CCA request? Is there any hope in getting the Cabot default removed as I have never acknowledged the debt in writing to them - the only communication I have had was a couple of loose conversations about a F&F offer (about 35%) which they clearly didn't accept. I also don't want Robinson Way putting a third default (albeit with the same date) for the same debt!! Would appreciate anyones help as how to proceed as it's hard to keep up with. I was prepared to make a full and final offer to Cabot, so am not opposed to making one to this new lot, but am confused why Cabot have defaulted me and then passed the debt on. Thanks
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Hi. Robinson Way own an old account of mine that I have not made payments to since Feb 2010. I thought that it would now be Statute Barred I sent them the 'stat barred' template letter last week. I have a response from them today. 'After reviewing your account we write to confirm that this debt is not statute barred. The default date on you account was 19th March 2012 and therefore this is within the 6 year period.' Are they correct? I always thought that the 6 year period began from the first missed payment. Thanks. Paul. -
Hi, I've recently had a letter from robinson way, offering to close my account and to record partially satisfied. Ideally I'd like the default completely removed. I'd like to know if this is even possible, or is it a waste of my time trying to negotiate this with them? Thanks! -
Hello I had an old debt with HPH2 LTD (EX CAPITAL ONE) that was being handled by Robinson Way. The debt itself was settled back in 2005 but Robinson Way decided that they were going to continue pursuing it up until about 2011 when they gave up after being unable to satisfactorily prove that I actually owed them any money. I received this letter from them today... "It has recently been identified the above account should not have been sold to our client Hoist Portfolio Holding 2 Limited ("HPH2") and as a result we should not have been assigned to the account for collection. This means that the account will be removed completely from our records and our client, HPH2, now confirms that you have no outstanding debt with them. In addition to this, you are eligible for a refund of any payments made since our client, or the previous owners, MKDP LLP ceased legal ownership of the debt. The refund is currently being processed and should be with you no later than 14 days from the date of this letter. Please accept our apologies for any distress this matter may have caused." I telephoned to find out what they mean by refund as I have not made any payments to them since I settled the debt nearly 11 years ago!. The man on the phone very nicely apologised for the letter and informed me that "We've been getting a lot of calls about these letters" and told me that they had been sent out in error. Oh and "How would I like to be paying today?" This is obviously a bit of phishing by Robinson Way so just wanted to post it up here so that you could all be aware of it. I will as always continue to ignore this nonsense
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Robinson Way/Hoist portfolio2 chasing old Barclaycard 'debt'
Boltmaker posted a topic in Barclaycard
Hi there, Not been on here for a while when valuable help was received from you guys. Now have started receiving letters from RW/HP2 regarding old B/C account which was defaulted in 2013. Back then requested agreement from BC but only ever received T&C's and eventually a letter indicating, but not actually stating they did not have agreement. Account from late 1980's. Been thru three or four other DC company's who eventually gave up and sold the debt on or returned it to BC. All starting over again with this outfit. Have not replied to any so far. Any advice about this outfit will be appreciated. Many thanks -
Amongst other issues dispute with Welcome Finance, initially attempting to repossess car "forthwith no court order needed" as it was "linked" to a joint personal loan the hp in my name only and not in default +over1/3 paid Dealt with that one sharpish. When over 1/2 paid finances tight with divorce very carefully enquired regarding re negotiating payments advised not possible so again very carefully said that I wished to exercise my right as sufficient sums had been paid to return the vehicle in full settlement, after some time I had to sorn it and put it into secure storage. Then it was removed. Then the you owe thousands letters started eventually told to put up or go away ...long silence now after sending a notice they are terminating agreement and will recover car( been gone a year) calls and finally a letter asking for £2,064.19 from Atlas who are "a trading name of Welcome Finance" I have replied: 17/11/2011 Dear RE: Notification of Instruction Your ref: Thank you for your letter 14/11/11 advising me that you have instructed yourselves to deal with this matter. As you have already no doubt carefully noted the letters and faxes sent regarding this issue you will be aware that there is no outstanding liability to yourselves for yourselves to pass to yourselves trading under any name and I am therefore surprised that you have instructed yourselves in this manner. I assume that the turmoil caused by the recent financial difficulties of the group may have introduced some lack of clarity within your procedures. This matter has been discussed with yourselves in detail before your cessation of loan activity and restructure and I see little point in resending the letters etc. to you acting for yourselves under a different name. I would make clear to you that I will not accept any dealings with yourselves trading under any name or by agents acting on your behalf, by means of phone calls, texts or any other means of communication to any phone number or other electronic account that you now hold or may obtain. I will take appropriate and proportionate action should any such contacts re-commence. It is your responsibility to ensure that any such agents comply. As you have drawn my attention to this matter I had considered closed I will of course undertake a review and I will contact you as soon as is practicable should I find any miss-selling, over or unlawful charging or practices which would give grounds for my making a claim against yourselves. Yours faithfully Anyone had any dealings with Atlas Collections? I suppose a SAR is next and settle in for a long haul
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HI all new here. had a letter 10 days ago saying that a tesco card debt i apparantly owe money on is due to someone called HPH2 adn robinson way are to collect on it. I ignored it to be honest feeling it was a [problem] as i don't remember having a tesco card ever. a new letter came today with a list of payments I can make and to contact them so i did and spoke to a chap about this telling him i don't remember having one and could he tell me more. He said that the last time i paid it was a payment of £70 in July 2010! and I took it out in 2007! I have had problems with cards in the past and dont have any credit cards anymore, just a nice simple visa debit with nationwide. I told him i genuinely dont remember this card as its a supermarket one, i do remember hsbc (which im paying off) and a barclaycard and even a mint card(dont even know if they exist anymore). So he's put things on hold and is requesting information from tescos for a credit agreement. Can anyone advise me on what to do? Sorry if this seems a bit daft but im worried about a card i supposedly had thats not had a payment for coming up to 6 years suddenly popping up out of the blue! -
hi I have uploaded 2 letters that I have received from robinson way. the first asking me if I lived at an address in Cyprus. which I did from 2006 until 2010. the 2nd telling me that I had a debt owed to HPH2 (ex Lolyds overseas) for £3037.00. I did have a loan in 2004 but due to loss of job while in Cyprus could not keep up the payments last payment was early 2007. since then had on contact with anyone regarding this debt until 2 weeks ago 1st letter. then the 2nd letter today. note on the 1st letter theres no mention of them being a DCA can you advise me on how to deal with this please Thanks
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Hi, My partner has had an agreement with IDEM services for a repayment plan of 95 pounds. She was diagnosed with Parkinsons in January. She has been without work for 2 years and now she must accept early retirement as she is no longer capable of working. We wrote to idem and her other creditors asking to reduce the figures to a token 5 pounds of which all but idem agreed. I will fill out and income/expenditure form for her to send, as now I am the only earner in the house and so am responsible for all expenses. is there anything I can do in order to get them to drop their figures or see sense, ultimately she will never realise the conculsion fo these debts as she is no longer in a position to earn money outside of her pension. -
Hi, I have seen some inspiring things on this forum and thought I would try my current situation on you guys and gals... In the long long ago (1998) I took out a Barclaycard and after a mishap in my finances I ended up defaulting and this was about 5.5 years ago. Recently I got a 'we'll be taking you to court if you don't call' letter (addressed from HC & Co 'Solicitors') I called up and said I would be writing to them and to hold off on any action for now, they agreed to wait a few weeks. I looked up my credit report on Noddle and have discovered the debt they are referring to has been marked Satisfied on my file - so in my letter I have asked them if they can show I am liable for this debt. Anything I have done wrong as yet? MF
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Good evening Having recently been turned down for credit I checked my credit file and found a default for what would have been yes car credit. It was registered in November 2009. This morning I received a letter from Robinson way totally out of the blue. In short I had a car from yes car credit. Had a mental breakdown due to marriage breakup. Had a visit from yes car credit asking for the car keys back As I had paid almost 6 k to them and spent a further 4 k on "wear and tear" I dropped the car back in a road next to office and put the keys back through the letterbox and called them next morning told them where to get the car. Last payment I think was at end of 2008. So question is can they now "buy the debt" so near the limitation ? To be honest the default drops off in November but my last payment was way before that date. Any advise appreciated Thanks -
Hi All Short version is I owe HPH2 (ex Capital One) £935 since 2011. Hasn't been paid due to dispute between ex wife and I as to who should pay debt. Stubbornly I have until this point refused despite debt being in my name. Today I received a letter from Howard Cohen and Co - Notice of Pending Legal Action. It says I have 10 days from date of letter to respond by either making payment or payment plan with Robinson Way or I will be taken to court for CCJ. I am up against the clock as letter is dated 24th August but only arrived today (1st September). At this point what should I do? 1. Ignore letter (is it just a bluff?) 2. Call Robinson Way and agree a payment plan (can I just offer them a monthly figure or will I have to go through a whole income expenditure exercise? Thought I would offer £35 a month. Will they agree to a plan or insist on total payment which I cant afford? 3. Other - should I be doing something else? Any help greatly appreciated. kind regards Steve
