Robinson way letter

sickasachip13

Hi Darkelf,
I've just caught up with this tale. I'm about to do battle with Rob Way (they now have three debts for our household) and am about to CCA them. I probably should've done it bloody ages ago!! Thanks for the ongoing updates, they're really helpful.
SAAC

rizla_king

darkelf wrote: »

Hey all you good folks!,
Am paying £5 a month on debt of £4700 and second dca has taken it over now (robinson way).
They have written asking to discuss my situation, they say my options are to continue with my payment plan, discuss my financial repayment arrangement to ensure it reflects my financial circumstance, or pay full balance or discuss potential settlement.
The debt is from 2005.
I was going to write to them asking what a settlemtn figure would be?
just too see what level they will reduce it by
what do you all think?
:beer:

When did you start paying this back?

what I mnean is has there ever been a 6 years gap of you not paying or acknowleging this in writing?

darkelf

hi,
i have been paying this £5 for years with no gap, i defaulted fairly early on from taking the loan and the repayment of this amount has not changed since

darkelf

sickasachip13 wrote: »

Hi Darkelf,
I've just caught up with this tale. I'm about to do battle with Rob Way (they now have three debts for our household) and am about to CCA them. I probably should've done it bloody ages ago!! Thanks for the ongoing updates, they're really helpful.
SAAC

Hey, glad its been helpful for you, its my only debt and first time dealing with a cca request or anything of this nature.

sourcrates

darkelf wrote: »

Just thinking......should the cca be passed on with the debt when sold to Robinson? If not then what do these companies buy? If not the paperwork.

No, this never happens.

DCA`s buy debts in bulk, usually in the form of a spreadsheet, with a name, address, and outstanding balance, that's it.

The DCA then contacts you, at your last known address, if you have moved, then they attempt to trace you, hence the term "phishing", they might letterbomb a few dozen people with a similar name, see if anyone responds.

Paperwork is never sold on with a debt, its usually held by the original creditor for a period of around 6 years, sometimes less, that's why its always important to demand they prove you owe the money, before you attempt to pay them.

sickasachip13

Any news, Darkelf?

darkelf

hey,
no, nothing since my last post.
I am waiting to see what happens and not sure what to expect if anything.
if they sell it on again then i guess you just ask for another cca with the new people and so it goes on.
I am hoping the paperwork has been binned after all these years.
How are you getting on?

darkelf

Hey all,
Today i got a letter stating that they had "not yet recived a response from the original creditor"
account is still on hold and trhanking me for my patience.

so there we go.

sourcrates

darkelf wrote: »

Hey all,
Today i got a letter stating that they had "not yet received a response from the original creditor"
account is still on hold and thanking me for my patience.

so there we go.

Could be having trouble locating it !!!!

Don`t celebrate just yet, may still turn up.

darkelf

Hi all, got this letter today showing £0 balance and the following words....what do you think??

""We acknowledge your recent communication and write to inform you that the account to which you were referring to is now closed on our files.
We will pass any relevant documentation/information that you have sent on to our client for them to deal with accordingly.
For your future reference, our client can be contacted at the following address""
HPH LTD (EX HSBC)
QUAYS REACH