Robinson Way

jamfountain

Hello,
I have received a letter from Robinson Way saying they are a collection agent for HFUKH2L (Ex EGG) and I owe a large sum of money. I have never heard of HFUKH2L. Over 10 years ago I had an EGG card but I closed account without any debt (as far as I'm aware). So either this debt does not exist or it's been over 6 years. Should I send a prove it letter or a time run out letter?

Any helpful advice would be gratefully received.

sourcrates

Prove it letter first, see if its you they actually want.

jamfountain

Hi. I've received a reply and it's confusing.
They have sent a letter stating that the account is unenforceable but that the debt remains and I will receive collections activity if I do not make arrangements to pay.

I did have an account many years ago with Egg, but as far as I'm aware, I settled the balance before closing account.

Can anyone please advise what I am to do next ?

Willing2Learn

If it were me, I would send them the hybrid letter, post #5 in the linked thread below:
https://forums.moneysavingexpert.com/discussion/6027755/statute-barred-debts-and-the-limitation-act

Edit: If the debt is unenforceable, then you can ignore all their "collections activity", as it will all be bluster with no teeth to enforce.

jamfountain

Thank.you for your input.

I get that I can just ignore them but I don't want them to hassle me.

I was going to add an image of the letter, but as a new member, I can't

sourcrates

jamfountain wrote: »

Hi. I've received a reply and it's confusing.
They have sent a letter stating that the account is unenforceable but that the debt remains and I will receive collections activity if I do not make arrangements to pay.

jamfountain wrote: »

Thank.you for your input.

I get that I can just ignore them but I don't want them to hassle me.

Do they say why its unenforcable ?


I am assuming here time has run out to collect on the debt and it has become statute barred, do you think thats the case ?


Guidelines state that once you have informed a creditor an account is statute barred, they are not supposed to pursue the matter any further.


Good info here :
https://debtcamel.co.uk/statute-barred-debt/

jamfountain

Here is the letter:

We received contact from you where you raised a dispute with us in respect to the above named account.
We would like to now confirm the following details we have for you, which we hope resolves your dispute.

• Your account was passed to HOIST FIANCE UK LIMITED on 10/03/14
• Your current outstanding balance is 924.80

As we have not been able to provide all the details specific to your dispute we have marked your account as unenforceable, meaning we will not pursue any legal action, and informed our client to remove any reporting on your credit file, this will be actioned within 30 to 40 days.

The above account remains outstanding and we want to work with you to agree an affordable arrangement based on your individual circumstances.

At the moment we may be able to offer you a reduction on the amount you owe, get in touch to discuss paying a reduced amount.

we have held your account for 14 days to allow you time to do this, after which collections activity will resume. If you have any further questions in regards to your dispute please contact us as soon as possible. we now consider your dispute closed.

sourcrates

Right, so they are saying its unenforcable due to lack of a credit agreement, not because its statute barred.

Yes the balance does remain payable, can they take legal action to force you to pay.........no, they can`t.

In my experiance if you write and tell them your not paying because they cannot provide evidence of the debt, and you have more pressing debts that are enforcable to deal with, they do tend to go quite and eventually disapear.

On the other hand, if you wish to settle the debt, then that is your choice. if you decide to settle, remember go in low, its an unenforcable debt, they may take a cheeky low offer.