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  • FIRST POST
    • bboo79
    • By bboo79 11th Oct 16, 11:34 AM
    • 6Posts
    • 3Thanks
    bboo79
    Robinson Way
    • #1
    • 11th Oct 16, 11:34 AM
    Robinson Way 11th Oct 16 at 11:34 AM
    I received a letter from Robinson Way back on 14th September 2016 stating they had been trying to contact me at my previous address which was in Bermuda 10 years ago and have now got my current address. I have been living at this address since leaving Bermuda about 8 years ago and did so prior to living there so I have no idea why they wouldn't have found me before! I didn't respond to the letter and have since had another dated 3rd October 2016 saying they've tried to contact me several times and that I owe £1526.43 to HPH2 LTD (Ex Lloyds Overseas). Im so particular about being financially afloat that I'm so sure I don't owe any money. The only thing I can think it can be is an old Virgin Credit card that my ex partner had assured me he'd paid off for me prior to moving overseas. I didn't want to have anything outstanding when I moved abroad. I am still in contact with my ex have contacted him to ask for confirmation that he had paid this off, It would be around Oct 2006 which he is checking as obviously he doesn't remember the situation or conversation. I am not holding my breath with this but I would just like some advice about what I should do with regards to contacting Robinson Way. I have never been in this situation before and don't know what the right way to go about everything is. I suffer with depression and this is really sending me over the edge as this time of year is a hard one financially anyway with 2 kids and Christmas coming. Thanks in advance!
Page 1
    • MrsTinks
    • By MrsTinks 11th Oct 16, 11:45 AM
    • 14,568 Posts
    • 22,038 Thanks
    MrsTinks
    • #2
    • 11th Oct 16, 11:45 AM
    • #2
    • 11th Oct 16, 11:45 AM
    First things first - was this debt from Bermuda? If so then everything else aside, I believe the term if "jog on" to Robinson Way

    Secondly unless your ex made payments in the last 6 years on your behalf making it a little less clear cut then it would be statute barred if it were an English credit agreement.

    3rdly - I doubt they would be able to provide the CCA when requested so please stop worrying about it

    Lloyds are not the best with their book keeping (they one chased me for a debt relating to a loan... which in my pre-MSE days I had actually consolidated with another Lloyds loan *sigh* so they had forgotten they had settled the loan with another loan from themselves...

    Try not to worry too much and I'm certain the regulars will be along shortly with the correct letters to send them to send them packing
    DFW Nerd #025
    SPC member #561
    Sept 2016 - £10811 Oct £10166 to clear Cleared Since Sept 16:£645 6% repaid Declutter 25 items in November target: 0/25 Make £10 extra a day in November: £57/£150
    • sourcrates
    • By sourcrates 11th Oct 16, 12:55 PM
    • 8,347 Posts
    • 8,183 Thanks
    sourcrates
    • #3
    • 11th Oct 16, 12:55 PM
    • #3
    • 11th Oct 16, 12:55 PM
    Well basically, if it was a U.K. Debt regulated by the consumer credit act, then the debt will now be statute barred.

    Are you not aware of the Limitations act ?

    A creditor only has 6 years to enforce there rights in court, so the time for them to do that has now expired.

    Send them this :

    https://www.nationaldebtline.org/EW/sampleletters/Pages/Time-has-run-out-to-recover-the-debt-%28sole-name%29.aspx

    If the debt was from outside of the U.K., then phone National Debtline for advice, but similar timeframes would no doubt apply.
    Last edited by sourcrates; 11-10-2016 at 12:57 PM.

    For free debt advice please call National Debtline on
    0808 808 4000
    Monday to Friday
    9am to 9pm
    Saturday 9.30am to 1pm
    • bboo79
    • By bboo79 11th Oct 16, 2:40 PM
    • 6 Posts
    • 3 Thanks
    bboo79
    • #4
    • 11th Oct 16, 2:40 PM
    • #4
    • 11th Oct 16, 2:40 PM
    Thanks so much for your responses! I have literally no idea about what to do in this situation! I've never been chased for a debt so this has really worried me. The debt has to be a UK debt as that is the only possible debt I can think it could be, everything in my hands has always been paid. I didn't have any credit in Bermuda as my partner was the earner. He will definitely not have made any payments on my behalf since. Can I ask what A CCA is?? Like I said very naive in all this!

    I have tried calling Robinson Way but have had no answer so I haven't acknowledged receipt of the letters as yet so should I just send this letter and that should be it as it is statute barred?! Really appreciate this, thanks so much again!
    • sourcrates
    • By sourcrates 11th Oct 16, 3:27 PM
    • 8,347 Posts
    • 8,183 Thanks
    sourcrates
    • #5
    • 11th Oct 16, 3:27 PM
    • #5
    • 11th Oct 16, 3:27 PM
    No No No, don't call them.

    The ONLY communication you should have with them now is to send them the statute barred letter, from the link I provided above.

    Do not call, do not discuss anything with them, send the SB letter.

    CCA (consumer credit act) request for information, would not be appropriate here.

    Check out more info on the Limitations act here :

    https://en.m.wikipedia.org/wiki/Limitation_Act_1980
    Last edited by sourcrates; 11-10-2016 at 3:30 PM.

    For free debt advice please call National Debtline on
    0808 808 4000
    Monday to Friday
    9am to 9pm
    Saturday 9.30am to 1pm
    • bboo79
    • By bboo79 11th Oct 16, 4:24 PM
    • 6 Posts
    • 3 Thanks
    bboo79
    • #6
    • 11th Oct 16, 4:24 PM
    • #6
    • 11th Oct 16, 4:24 PM
    Great! Letter in post now and fingers crossed! Thanks again for your help, I really do appreciate your time and will let you know how I get on!
    • sourcrates
    • By sourcrates 11th Oct 16, 5:02 PM
    • 8,347 Posts
    • 8,183 Thanks
    sourcrates
    • #7
    • 11th Oct 16, 5:02 PM
    • #7
    • 11th Oct 16, 5:02 PM
    Great! Letter in post now and fingers crossed! Thanks again for your help, I really do appreciate your time and will let you know how I get on!
    Originally posted by bboo79
    Don't be at all suprised if robbers way write back saying you made a £1 payment four years ago, or something of that nature.

    They invent phantom payments occasionally to try to throw you.

    Remember, they MUST prove you have made payment before the Limitation period ran out, you don't need to prove anything, the burden of proof is entirely on them.

    For free debt advice please call National Debtline on
    0808 808 4000
    Monday to Friday
    9am to 9pm
    Saturday 9.30am to 1pm
    • bboo79
    • By bboo79 21st Oct 16, 2:11 PM
    • 6 Posts
    • 3 Thanks
    bboo79
    • #8
    • 21st Oct 16, 2:11 PM
    • #8
    • 21st Oct 16, 2:11 PM
    Hi Sourcrates I need your help again! I received a letter from Robinson Way today stating:

    "We recently wrote to you to advise that the above account is still outstanding. As soon as you get in touch we can help you to find the best payment solution for you.

    To help you manage this account we're letting you know about some examples of payment plans now in place for customers with a similar balance to yours:

    *Option 1 £18.62 per month
    *Option 2 £25.34 per month
    *Option 3 £41.06 per month

    We've helped many customers set up this type of payment plan and they are clearing their debt.

    We can help you too by setting up your personalised payment plan with you. We can offer you a similar arrangement to those above or tailor your plan based on your circumstances to make sure it's affordable for you.

    Contact us by 28/10/16 to set up your personal payment plan"


    Please can you advise how I should proceed? I'm stumped as to what I should say. I sent my letter by recorded delivery so Robinson Way will have definitely received it but haven't acknowledged it.
    Thanks very much in advance again!
    • fatbelly
    • By fatbelly 21st Oct 16, 2:42 PM
    • 10,080 Posts
    • 7,560 Thanks
    fatbelly
    • #9
    • 21st Oct 16, 2:42 PM
    • #9
    • 21st Oct 16, 2:42 PM
    There's some standard letters here

    http://forums.moneysavingexpert.com/showthread.php?t=2606811

    The one that suited you best was #5 - the hybrid letter. 'I don't recognise this as mine but it would be statute barred anyway.'

    A general follow-up letter, which would be OK for you to use now is #4
    • sourcrates
    • By sourcrates 21st Oct 16, 3:32 PM
    • 8,347 Posts
    • 8,183 Thanks
    sourcrates
    Please can you advise how I should proceed? I'm stumped as to what I should say. I sent my letter by recorded delivery so Robinson Way will have definitely received it but haven't acknowledged it.
    Thanks very much in advance again!
    Originally posted by bboo79
    Most likely crossed in the post, sounds like a standard computer generated :

    "we want to help you letter".

    Advice from Fatbelly (above) is the way to go now.

    For free debt advice please call National Debtline on
    0808 808 4000
    Monday to Friday
    9am to 9pm
    Saturday 9.30am to 1pm
    • bboo79
    • By bboo79 21st Oct 16, 6:02 PM
    • 6 Posts
    • 3 Thanks
    bboo79
    This is really very helpful. Thanks so much both of you! I shall get on it and keep my fingers crossed!
    • bboo79
    • By bboo79 22nd Oct 16, 12:26 PM
    • 6 Posts
    • 3 Thanks
    bboo79
    I've received another letter today stating:

    "We write to confirm that we have noted the dispute/query that you have raised.

    We will make the necessary enquiries and let you know the outcome in due course. In the meantime we will stop all collection activity on this account.

    Please let us know if we can assist further"

    Yeah I dont think I will be in contact thank you! So I'll sit tight and see what happens next. Thanks again for your help Fatbelly and Sourcrates and I'll let you now what happens.
    • Marktheshark
    • By Marktheshark 22nd Oct 16, 12:29 PM
    • 5,317 Posts
    • 6,669 Thanks
    Marktheshark
    Get ready for the invented payment letter and a printed spreadsheet.
    Brexit will become whatever they invent it to be.
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