Barclaycard to Robinson Way & Lowell

[svenskidoo]

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?

[havinastella]

Do NOT engage with anyone.

 

Ring Barclaycard and just enquire when the last payment was made.

[SabreSheep]

OK for those 2 date they will need a true CCA in order to enforce in court.

 

I would Send Lowell A CCA request. Keep proof of postage and delivery

 

Ignore robinson way

 

As for the charges you may want to send Barclaycard a full Subject access request. They keep data going back till at least 2004

 

A good read http://www.consumeractiongroup.co.uk/forum/showthread.php?423713-Barclaycard-Link

[svenskidoo]

Thanks for the replies.

 

Can I send a prove it style letter to Lowell asking for a copy of the CCA, date last payment made etc. without sending off a PO for the £1. I could send them a cheque but that would have my signature - just with work time to get to the Post Office is limited. I've looked at using pctopaper to send a recorded delivery letter online. Would they simply write back asking for £1 ?

[SabreSheep]

they are under no obligations to respond without the £1

[svenskidoo]

Ok , thanks SabreSheep. I will send them a holding letter tomorrow then sort out a PO and send a formal CCA request.

[SabreSheep]

forget holding letter, that just invookes letter tennis

 

cca only atm

[svenskidoo]

Hi all,

 

I could with some advice on this please;

 

After a prolonged period of sending letters, offering large discounts, going silent and then starting the whole cycle again, Robinson Way have sent me a pre-legal assessment letter today.

 

This refers to an old Barclaycard account and I guess I'll get a second one for another old Barclaycard. Now, the default dates were in 2010 although I suspected they'd actually been 2009. Regardless, I have made no acknowledgement or contacted them, no payments made.

 

These alleged debts are no longer on my credit file and I'm 100% certain they are statute barred.

 

At no point has Robinson Way sent any proof relating to these accounts that were sold to Hoist Portfolio 2.

 

Do I respond right away with a complaint to the FCA? or should I acknowledge this pre-legal assessment letter? I'm unsure on whether or not I should send a "prove it" letter or if this warrants a more strongly worded response.

[unclebulgaria67]

Ignore or send statute barred letter.

 

 

Under FCA debt collection guidance, they should stop writing to you after you have sent them a statute barred letter, asking not to be contacted again.

[Old Cogger]

was it a letter before action??? or the nonsense pre-legal assessment from the lower drawer?

[svenskidoo]

was it a letter before action??? or the nonsense pre-legal assessment from the lower drawer?

 

Hi, this is a lower drawer letter saying they may have to pass to their friends Howard Cohen & Co.

[dx100uk]

are they officially aware of your correct address

if the card was taken out at a previous one.

[dx100uk]

threads merged

[citizenB]

Hi, this is a lower drawer letter saying they may have to pass to their friends Howard Cohen & Co.

 

 

That is going to cause some logistical problems for them.. just handing it to a colleague on the next desk?

 

 

If this was on your credit file but is now no longer showing then it is almost certainly statute barred.

 

 

As advised - send the SB letter - obtain a proof of posting and keep with your own records.

[Old Cogger]

That is going to cause some logistical problems for them.. just handing it to a colleague on the next desk?

 

== Hahahah sent via courier c/o china/North Korea = rocket shipment to US Sub in the peninsula the in a bottle to the addressee at desk No 2 in the 2 desk office!!!

 

 

If this was on your credit file but is now no longer showing then it is almost certainly statute barred.

 

= There it was Gone:-

 

 

As advised - send the SB letter - obtain a proof of posting and keep with your own records.

 

should stop them in their tracks after they scratch their head and get rid of the splinters

[citizenB]

should stop them in their tracks after they scratch their head and get rid of the splinters

 

 

[brassnecked]

So long as there is no previous addy to try to circumvent SB and get a default judgment.

[svenskidoo]

So long as there is no previous addy to try to circumvent SB and get a default judgment.

 

They have my current address although we moved not long ago, so they have updated their records after sending out a usual phishing letter. I would suggest people think about mail redirection though - some how I think Royal Mail gave them my details once a redirection started.

 

No recent searches by them, and no past action on these accounts.

 

I'm thinking now that I've had one of these "pre-legal" letters before, and the letters cycle has just started again. If I write to them telling them it is statutory barred, does anyone know their track history on this - do they ignore?

[dx100uk]

it wont matter BUT

 

YOU should be writing something , SB letter sounds good to me

to ALL your creditors

not run on a wing and a prayer that a debt buyer wont file to an old address

AS THEY WILL ON PURPOSE.

just to get a backdoor CCJ.

 

just remember that a debt being SB'd does not prevent them chasing the debt in E&W

the debt still exist just that they cant enforce a court judgement.

 

however..even if its SB'd there is nothing to stop them going for a backdoor CCJ if you've NOT informed them of your new address

as twill be a default judgement where nothing is checked as it goes undefended

[svenskidoo]

Hi all

 

SB letters sent

but appear to have crossed with a notice of pending legal action from Howard Cohen which took over a week to arrive looking at date on it.

 

They are going after the smaller of the two accounts.

Second one back on the payment plan and discounts carousel.

 

Is there a reason for this?

As this is obviously SB and has been for some time,

is this them just trying to get a judgement by default thinking I'm not around?

 

I've raised a complaint with the FOS who can contact Robinson Way on my behalf but won't make a final decision until the end of the complaints process from what I've read..

 

Question is what should I do now?

 

I fired off an email to RW on Monday from a throw away account,

confirmed as received but they will respond by post.

 

I'm thinking I need to send something to Howard Cohen.

Is it worth sending CCA requests at this stage?

[dx100uk]

this debt is SB'd?

 

 

you shouldn't be blindly sending emails or contacting anyone without asking here first.

 

 

dx

[svenskidoo]

Yes, SB'd - would be from 2009/10 -no payments or acknowledgements.

[dx100uk]

you've sent the sb letter to hph2 so no dice rw.

[svenskidoo]

Letters went to RW as they are the ones sending the demands for payment.

Should I send also to Hoist?

Isn't Hoist the parent company anyway?

 

Do I need to send anything to Howard Cohen?

 

Thanks for any advice you can give.

[dx100uk]

they are all the same lot as described before