LLoyds Robinson Way credit card

[Beauty13]

Hi there......posting on behalf of my husband

 

Historic credit card debt card held 30 years

 

Got into problems in the last few years and transferred to Robinson Way

 

Payment arrangement in place and PPI already claimed back from LLoyds 6 years ago

 

No charges ever reclaimed on Credit Card or Current account held for same amount of time.

 

LLoyds have intermittently been chasing too

last random contact was to a old previous address of my parents despite them having my current

stating that the amount of interest had been accrued incorrectly by them

refunding approx £600 back to the account and if the remaining balance was not cleared by X DATE

(approx £1200) that a default would be applied to my credit file

-this was SINCE i started paying Robinson Way direct.

 

Unsure of if default applied need to check credit file to see what it shows.

 

Response from Robinson way re CCA

was they are making the necessary enquiries and let me know the outcome in due course

and interestingly they will stop ALL collection activity on the account.

 

I have cancelled the standing order to them.

 

Balance £1127,98

 

Surely there is only liability to one creditor and if LLoyds have sold this on then they surely cant default my credit file.

 

No response from LLoyds re SAR......should make interesting reading with 30 years of documentation

 

Intending to reclaim all current account and credit card charges

[renegadeimp]

You sent a cca request. For a 30 year old card.

 

Never pay them a penny. They wont ever get the original CCA for that card. They have 12+2 days to supply the agreement, which they wont be able to. Theyre bottom feeders, and you called their bluff. They saw you blindly pay them and had you marked as gullible.

 

The DCA can never default your file either. Only the OC can.

 

And more good news.. get reclaiming all those charges.

[Beauty13]

So dont start paying Robinson Way again? even though ive paid them direct for a couple of years?

 

My biggest concern is my credit file-doesnt paying them previously mean ive accepted liability?

 

Need to check file now i suppose if nothing registered to them will stop??

[Beauty13]

Oh and re default have another CC originally with Bcard then sold to link...... LINK have defaulted it???? just checked credit file

 

Sorry for confusion LLoyds card is husbands and dont have immediate access to credit file

[renegadeimp]

So dont start paying Robinson Way again? even though ive paid them direct for a couple of years?

 

My biggest concern is my credit file-doesnt paying them previously mean ive accepted liability?

 

Need to check file now i suppose if nothing registered to them will stop??

 

Correct. You are being well and truely cash cowed.

 

If the debt isnt marked on there, then it wont be marked. The DCA can not place a marker unless one already existed.

[renegadeimp]

Oh and re default have another CC originally with Bcard then sold to link...... LINK have defaulted it???? just checked credit file

 

Sorry for confusion LLoyds card is husbands and dont have immediate access to credit file

 

Nope. barclay card would have likely defaulted it prior to sale, or on the same day. Link then updated it when ownership changed hands.

 

Get a CCA off to link too. Theyre one of the biggest fleecers there is.

[Beauty13]

Am waiting for LInk....they are obtaining info from Barclaycard good luck with that one!!!

[renegadeimp]

Remember. 12+2 days and you can stop paying and safely ignore them until they provide a compliant agreement.

[Beauty13]

ok so after checking default on LLoyds credit card Nov 2013

 

NOTHING SINCE

[Beauty13]

No credit card info for Robinson way on credit file at all ever...........

 

the only thing that tallys is the outstanding balance that lloyds show on CR with that of OS balance on recent RW letter??

 

so who owns it?

 

and nothing since 7/5 from Robinson re CCA so they have until tom to reply? 12 + 2 working days i presume

 

what happens then if they exceed that?

 

can they then update file? either LLoyds or Robinson Way? can they generate new entry at any point?

 

I need to re mortgage at some point hence stress!!

 

Sorry so many questions!!

[renegadeimp]

No credit card info for Robinson way on credit file at all ever...........

 

the only thing that tallys is the outstanding balance that lloyds show on CR with that of OS balance on recent RW letter??

 

so who owns it?

 

and nothing since 7/5 from Robinson re CCA so they have until tom to reply? 12 + 2 working days i presume

 

what happens then if they exceed that?

 

can they then update file? either LLoyds or Robinson Way? can they generate new entry at any point?

 

I need to re mortgage at some point hence stress!!

 

Sorry so many questions!!

 

You wont get a mortgage if youre in default or there are markers on your credit file. Prime lenders want a few years histsory of good, well maintained credit before theyll even consider you. And you should NEVER go anywhere near subprime lenders. Ever.

[BackOnTrack8]

I have recently started a debt management plan with Step Change who are in the process of speaking to all of my creditors. I have a £300 Barclaycard debt which is being handled by Robinson Way. I received this on Friday and wondered if anyone could shed any light on what they actually mean.

 

NOTIFICATION OF A CHANGE TO YOUR FINANCIAL CIRCUMSTANCES

 

Recent activity on your credit file suggests that you may have made a significant payment to one of your financial accounts. In view of this we would encourage you to contact us to agree an affordable repayment plan.

 

Any help would be appreciated

Thank you

[Old Cogger]

That old one - it is a come on!

[dx100uk]

Those that have failed a CCA request get nothing

 

Dx