Jump to content


Halifax have ignored offer and sent to Robinson Way


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3189 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

As title suggests I have hit financial hardship and have written to my creditors with a breakdown of my financial in and out goings

 

 

Mint have accepted a reduced payment but Halifax have ignored the request and have sent it straight to a debt collection agency.

Robinson Way

 

a. Can they do this ?

 

B. Should they have at least replied explaining why they are unable to accept my offer

 

C. Should I tell the debt agency to do one and only deal with Halifax

 

All thanks for any responses

Link to post
Share on other sites

who do robersway say is their client?

 

 

is this debt on your credit file?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

who do robersway say is their client?

 

 

is this debt on your credit file?

 

 

dx

 

The letter from them States it's about a Halifax account

I should imagine the debt is on my credit file

 

I accept the debt just annoyed that Halifax have ignored my requests to sort it out amicably and sent straight to a dca

Link to post
Share on other sites

the robbersway letter should state our client 'XXXX'

 

 

they [robbersway] cant do nowt if its still with the original creditor.

 

 

go try noddle listed below

see if it shows.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Can you provide a little history of this particular debt - this will give us some idea of why Halifax has just shunted it over to a DCA.

 

It is my understanding that they are supposed to treat a debtor fairly and at least give some consideration to a proposal.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Whilst this might not be the case here, looking at other similar threads it is my thinking that the original creditor does this when there appears to be a problem with the account.. eg, they might not have the correct paperwork or it might be that there were problems with the paperwork they do have - could the debt be mostly penalty/default charges - is there PPI on the account that could be reclaimed ?

 

Have they issued a compliant default notice - have they been sending the statutory notices out regularly ?

 

If you have only just found yourself in a financial pickle, then their dumping the account seems unreasonable to me !

 

Have they assigned/sold the account to Robinson Way or are they simply acting as Collection Agents on behalf of Halifax ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Can you provide a little history of this particular debt - this will give us some idea of why Halifax has just shunted it over to a DCA.

 

It is my understanding that they are supposed to treat a debtor fairly and at least give some consideration to a proposal.

Long story short

relationship breakdown

Unable to meet payments

Offered a set sum which I paid every month included income and expenditure received no reply

Passed to Robinson way

Link to post
Share on other sites

on robberway letters

who does it state is their client?

is this on your credit file?

if so who is shown as owning it?

 

 

as suggested you need to get an sar running to Halifax soonest.

 

 

what is the debt type too card/loan/bank account?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...