Robinson Way

mrtaximan

Hello all.My Wife about 14years ago got into arrears with a store card from Ge Capital.After all sorts of grief the debt ended up at County Court and my Wife started paying it back at £50 pcm.As her circumstances changed she applied to the court to have the payments reduced to £20 who agreed and granted the reduction.This was paid on time until the debt was sold to CL Finance who demanded the payments were increased or paid in full or they would take it back to Court so we called their bluff and said go on then and got ignored.By then my Wife had retired from her part time work due to illness and was receiving a state pension so could no longer afford the £20 pm.I was still working but in no position to help out with the payments having gone BR in 2005.So the case went back to court and payments were reduced to £10.00 pm.Then enter Robinson Way who stated they have now taken over the debt and the balance now stood at £1500.I questioned this by letter and got ignored so i then sent a recorded letter asking for records of all all payments since made since day one.Next i followed this with a phone call asking the same question and was told they did not have that information.So i asked if they would take a payment in full and final settlement on condition my wife credit file was updated as paid in full or settled.Remember that the original debt was for about £2600 and 14 years later Robinson Way are saying it is still around £1500 despite never missing a payment.I have written to Robinson Way at least 4 times asking for the records but each time all they do is reply stating they are still trying to find them
.Just to get everything sorted out once and for all i offered a full and final offer of 10%.This was refused.Ok said i take it back to Court but that means that you will have to present evidence to the Judge of payments made to get get a true figure of what you say is outstanding.It would appear to me that you are unable to do so.Then i quickly got a letter stating that the account is on hold pending investigation so in response we have cancelled the Direct Debit.Result stalemate and silence.Any thoughts peeps?

wealdroam

My first thought is that you would be better served if this thread was on:

The Debt-Free Wannabe Board.

My second thought is that you are perhaps unwise to have cancelled the Direct Debit.

daytona0

You know what I would do?

1. Get bank records for every payment made to these companies

2. Add them up

3. Query with the debt collection companies whether interest was due on the balance and what the APR was (it is likely that this was frozen interest)

4. Do the sum {2600 plus interest MINUS the amount paid}

5. Pay this to debt collection company or offer a plan

6. Show them the proof and say that you aren't paying a cent more, and that you will happily see them in court


This is all assuming that you didn't lie about cancelling your DD, in which case you'll have bank records for every previous DD payment made. I suspect that something is amiss with you two though because you've both mis-managed money in the past. You simply don't get a CCJ and become bankrupt without screwing around a company immediately before and after it is issued. Also, you have probably been paying 10 pcm a lot more frequent than you have been paying 50 pcm

mrtaximan

Hi.Yes my Wife did get into arrears with her store card but i can't blame her when she was trying to cloth two young teenage girls at the time and give them a good start in life.My work at the time had taken a huge turn for the worst with earnings down by at least 50%.So yes we did have some huge problems.We even had to pawn our wedding rings.But yes we did keep up the monthly payments to try and get this account cleared along with other bills etc.I did not go BR until 2005 as a last resort because we were in a impossible position with no way out.Regarding the DD to Robinson Way I did not lie to anyone in fact being honest and trying to pay any outstanding debts caused us more stress and worry than if we both went BR at the same time and paid nobody.By only myself going BR my Wife was able to pay off and clear other debts that we were jointly liable for over a extended period.I did not cancel the DD until i got a letter from Robinson Way stating the account has been put on hold.At least we can hold our heads up high and say we done our best in a very difficult situation that went on over quite a few years.

Thankyou for your advice