help regarding robinson way

pesky_robway

these are starting to get on my nerves.they ring daily offering deals and say i need to pay more to freeze interest,send txts and letters saying my payment is due.basically approx year 200o i got a £1000 loan with hsbc payed for so long then lost my job as an apprentice welder and refused to sign paper work for ppi.i have been paying robinson way every month and they always demand more and more every 3 monthsa and i cant stretch.they have now sent me a letter from there solicitors horwich farrelly saying they have been informed to act on there behalf to recover over £2400.i have read up on rob way and know they are a pushy firm that use scare tactics.i refuse to pay anymore a month and i am sick of there constant calls.is there anything i can do?

thanks

Mrs_Arcanum

pesky_robway wrote: »

these are starting to get on my nerves.they ring daily offering deals and say i need to pay more to freeze interest,send txts and letters saying my payment is due.basically approx year 200o i got a £1000 loan with hsbc payed for so long then lost my job as an apprentice welder and refused to sign paper work for ppi.i have been paying robinson way every month and they always demand more and more every 3 monthsa and i cant stretch.they have now sent me a letter from there solicitors horwich farrelly saying they have been informed to act on there behalf to recover over £2400.i have read up on rob way and know they are a pushy firm that use scare tactics.i refuse to pay anymore a month and i am sick of there constant calls.is there anything i can do?

thanks

If you are realistically paying all you can afford you need to write to them recorded delivery asking them NOT to telephone and to remove your phone number from their database.

Also check the National Debtline (web address at the top of this page) and get their income and expenditure form & send this along with the letter showing this is all you can afford. Do not include frivolous expenses such as lottery, only essentials.

pesky_robway

yes im paying them £60 a month but they expect increases every 3 months.i dont get a pay rise every 3 months and the cost of living is getting no cheaper

Mrs_Arcanum

pesky_robway wrote: »

yes im paying them £60 a month but they expect increases every 3 months.i dont get a pay rise every 3 months and the cost of living is getting no cheaper

All creditors will try and get as much money as they can. You just have to be firm and say this is all I can afford and prove this. If they do go down the CCJ route, it will only further trash your already shot credit rating and the judge will set a realistic repayment amount based on your income and expenditure.

pesky_robway

thanks for advice but as far as i can see robinson way are just robbers...my bad credit ha since past and i can now get loans and credit cards again.i am thinking of asking for the proof of the original loan to see if they have any entitlement to the debt

bankhater_1965

pesky_robway wrote: »

yes im paying them £60 a month but they expect increases every 3 months.i dont get a pay rise every 3 months and the cost of living is getting no cheaper

stop stop worrying , your paying a very very healthy amount , they are just bullies thats what they get paid for , just write 1 letter as stated , After that just put the phone down ,there powerless

pesky_robway

i dont even answer the phone but it is tedious..i am not worried at all just find there tactics disgraceful.thanks for the advice

fatbelly

pesky_robway wrote: »

thanks for advice but as far as i can see robinson way are just robbers...my bad credit ha since past and i can now get loans and credit cards again.i am thinking of asking for the proof of the original loan to see if they have any entitlement to the debt

You may want to do a s77-79 request. This factsheet explains:

Factsheet | Getting information about your credit agreement

fermi

Pressurising you unduly to increase payments when you cannot afford to do so is a breach of OFT guidelines.

See: https://forums.moneysavingexpert.com/discussion/3558031

You may wish to refer to those in any communications.

chanz4

Give them a rise, 1p

eyeopener2

fatbelly wrote: »

You may want to do a s77-79 request. This factsheet explains:

Factsheet | Getting information about your credit agreement

Very doubtful they will have anything at all, so write that letter and if they have nothing to prove you owe them anything, then the ball is firmly in your court.

It's worth it.