Robbersway for HPH2 chasing old Tesco Credit card 'debt'

[fredsed]

Your good advice please.

 

I received a letter from a DCA titled a’ pre-legal assessment’ on an old credit card debt that the DCA have recently acquired.

I suspected this could be nearing SB

 

I checked my credit file and discovered that there is no information about this account on my file prior to May this year!

 

As they are are using the usual vague language i,e, ‘may’, 'being considered’, should I bother to respond to this or should I CCA them or other?

Who’s responsibility is it to insure the information on a credit file is accurate and up to date?

 

Would the OC remove this info or what could have happened?

 

It’s all a bit odd and I’m not sure how to respond if at all to the DCA.

 

Regards

[fredsed]

Vague threats of passing on to sols after a couple of letters...

[fredsed]

Good morning,

received LBA yesterday (5th)threatening court action if I don’t contact within 10 day of date of letter (29th Sept!) so need to act today!

 

I’ve had a dig around on my CF and found that my last recorded payment was in September 2010!

Cant find any other record of payments.

 

The account default date is 15th Oct 2010.

Should I send CCA request off today then do a bit more research to see if this accounts now SB?

or just go straight in with SB?

 

Sorry just seen the earlier posts by unclebulgaria

 

1, Credit card

2, 2009

3, Oct 2010

4, Not sure but it seems that way.

Very little info on CF.

Checked a couple and found some payment made up and including September 2010.

On on other CF default date and amount noted with date of account started.

 

No it not MBNA

[fredsed]

It’s a Tesco Credit card I thought it was an old NBNA ...it’s an age thing!!!

[fredsed]

I’ve sent a CCA request off to the Sols and DCA this morning.

 

Think I’ll SAR the OC as well see whats what as there is little or no payment history on my CF. Your good advice would be very welcome.

 

Ah typical just read you message!! I thought it best as Ive had a letter from DCA sols and didn’t want to risk court action

 

Trouble is I don’t know if it SB as there is no payment history on my credit file after Oct 2010 and I have no record of having made any paymens to this account.

[fredsed]

dx100uk ...what should I ask Tesco?......

[fredsed]

why now ring Tesco's and ask?

 

Sorry I miss read this...did you mean ‘why not’ ?...I though it was always best to write. ?

[fredsed]

I’ve finally received a letter from DCA with a recon CCA and a simple statement from OC (Tesco).

 

This alleged debt is not on my credit file.

 

They are asking for payment of course and threatening court action if nothing is forthcoming from me.

 

They have given me 30 day to respond.

Your good advice would be appreciated.

 

Sorry should have added that according the ‘account statement, it’s not SB.

[fredsed]

Here the documents i received from DCA. Thank you again for you advice.

rway CCA return.pdf

[fredsed]

I don’t have any record of payment myself but the statement suggests it’s not SB. As far as it being an online agreement I’m afraid I really don’t remember.

[fredsed]

What would you advise I do about this request for payment? Is the documentation in order?

[fredsed]

yes I have had a reduced settlement offer and a suggested payment plan from same DCA last year.

[fredsed]

Thanks Bazooka but I am concerned about the threat by either RW of court action....

[fredsed]

Ok thank you. I'll get a letter of to them with in mind see what they have to say.

[fredsed]

I have no record of a default from OC and as there is no record of this account on my credit file so i short I don’t know.

[fredsed]

I think August 2010

[fredsed]

Assingment date 21/01/2016.....after this the heat got turned up, culminating in the court action threat and why I put in CCA request.

[fredsed]

As far as I am aware this is the first time it’s been ’sold’.

 

 

In the past it has been with Wescot, Fredrickson and a couple of other DCA’s

who all stated in their letters that Tesco is the ‘client’.

 

 

I have no earlier notice of assignment.

 

 

Id does seem a bit odd that its been with Tesco for so long though.

[fredsed]

Should I respond?

 

 

I maybe could afford a small payment towards it.

 

 

Is it worth making a full and final offer?

 

 

Don’t want a cc for a debt that old.

[fredsed]

Ok thanks...they gave me 30 days so I’ll see what they have to say. Many thanks for your advice.

[fredsed]

Hi,

 

I had been receiving regular letters regarding this alleged debt from Robinsway with the usual 'please contact us and agree a payment plan' but no futher threats of court action. It all went quiet

 

I received a letter mid July with usual might do threats of sols a then a letter 2 weeks later saying the same but in different language. They gave me 10 days to respond.

 

Today I received a letter from RW offering me a massive discount! over 50%.

I cant find anything wrong with the agreement and the debt is not SB.

 

They have said that they are prepared to accept monthly instalments.

Should I just hold tight or offer them something?

 

Will paying them anything re set the SB clock?

Edited August 6, 2018 by dx100uk
Spacing

[fredsed]

Ok I'll hold tight. Thanks.

[fredsed]

Hi

I received a NoA from Hoist Finance UK stating that the dept had been assigned to themselves from Hoist Portfolio Holding Limited.(are they the same company?)

 

Didn't really think anything of it

 

today I receive a 'letter of claim' from Howard Cohen saying agree a payment plan, pay up or we go to court.

They state that Robersway are still responsible for collection (who have previously offered me 55% discount).

 

So your good advice please.

This debt is SB mid next year,

should I wait and see what happens or are they serious this time?

 

I've been down this road with them before and they took no further action other than offering me a massive discount!

[fredsed]

They have included some documents for me to respond with.

[fredsed]

Hi dx, yes thats what they have sent with the letter.

 

Is there a statutory requirement of time for the lender to give before defaulting the account i.e. three months arrears and should this be stated in the terms and conditions? Hope that makes sense!

Edited November 17, 2018 by dx100uk
merge