In August and September of this year, I made two payments through the Halifax online banking app. The money left my account in the usual way BUT never arrived in the recipient's Santander account.. This was not the first payments I'd made and earlier payments had reached the recipient account perfectly well. The recipient told me they'd not received my payments and asked me to pay ASAP. I duly checked and the money had indeed gone from my account (£220) so I showed the recipient my bank statements and this is where it goes awry. The recipient shows me their account and details (all correct, my other payments are there, except these two. Armed with all the statements, I head to my local Halifax and present my information - I get told it can take 6-8 weeks to investigate but I can 'hurry this' with a further £40 payment!!... I declined already feeling the sting a bit. I phoned Halifax every week to update myself on the investigation - no news. Some 10 weeks later and I finally get my answer - the investigation is closed, the money has left Halifax and that's it!... Money gone, naturally I'm devastated, the recipient is asking Santander to please double check again. This happened about the same time in 2017 - exactly the same thing only the cash was later found at a 'holding house for lost funds'!!!... NEVER heard of this but I'm at my wits end, I don't know what else to do - the money just can't have gone from my account and that's it - poof!!! You lose?? ... Can anyone else help???..

Hey Frickshan, Read your earlier post - that's disguting treatment of you, my heart goes out to you . . You're right, fighting for your car is extremely frustrating - I was very lucky and had a good solicitor (I shouted back too loudly which is why I think they gave it up!.. Admin error my bum!!!) but it really shouldn't come to this.. I do appreciate by law, they 'own' my car but how when I as the supposed lawful owner did not and would not be taking out a loan on my car. Suggestion 1: Chase the person who owes the debt, surely if they can find me they can find them? Or 2: Ask the person who sold the car to me for the money owed for the car which they now have in their bank account /pocket / matress / wherever they keep their loot lol. . Take care, Mally

Please count me in on this thread. I've had to fight tooth and nail to keep my car as an ex took out one of these loans on MY car. I'd paid for in full for my car and never defaulted and the car has always been in my name.. Going to court to prove custody of a car is just ridiculous - trust me lol. . I won but it's been a serious battle to keep the car I've owned since new. The first I knew about the loan was when I happened to want to test drive a newer car. The salesman asked me if I wanted to do a part-exchange and although I said no thank you - he must've have done the HPI check and found this loan for about £3k on a car that was definitely not worth that much!.. A log book loan company I know the name of but never used, needed or wanted to.. Another embarrassing factor, I got refused a test drive on the newer car 'just in case' - of what I'm still not sure of. . What I would like to know is what's to stop any member of the public using my registration and faking a log book, taking out a loan on my car and then them coming to collect it when 'I' don't pay.. The system seems to be too open to fraud especially with the 'assistance' of cameras and ANPR. . What is out there to protect the innocent from rogues?..

Thank you BRIGADIER2JCS for the template.. I'll get it sent, recorded as you advise and await response.. Don't think this is going to be quick lol..

Thank you for your responses everyone!.. I have tried going down the route of asking them to prove that I am the original debtor with letters but basically 'brick wall'.. They will not send me the data (rightfully, because it's not mine!).. They have an address that I've never lived at, wrong name AND date of birth - I am not paying these people anything (not even 1 measly pound for someone else's data that I won't get lol!!).. I have noticed that the threat letters are getting a little more strongly worded so I think 'harrassment' might be a good line to take on this one??.. What does everyone else think??.. My ideal outcome would be: I get confirmation from the DCAs that they are chasing the wrong person.. I do know how they got my particular details (Silly DCA should really watch what their ops say lol) - apparantly there's a database with all debtors, people being chased, people they can't find etc and somehow, an idiot tracer perhaps, they matched me to the debt!..

Hello, I would appreciate some advice on this one.. I've had two letters now from different DCAs (Rockwell and now Transcom Worldwide UK) who are both supposedly working for Arrow Global Limited.. Going way back to when I received the first letter from Rockwell, I telephoned them and actually managed to gleen out of them more information about this debt than they got from me.. They have a completely different address (somewhere I've never lived although they have my current address which is fine by me) and a different date of birth - by the way, I refused to give them anything other than my name which they have on the letter and confirmed that my DOB was not what they had, which it isn't lol!! I wasn't born in 1977 and I told them so.. Rockwell said they'd look into and call me back within the hour - that was 6 months ago now.. Anyway, fast forward to today, I get a letter from Transcom Worldwide (UK) with the same debt notification - again I call them and again manage to get out of them they have the same details as Rockwell did.. An address I've never lived at and the wrong date of birth to me, it's not me they are after or I'd put my hands up.. The best advice the TWUK rep said was to report the thing as fraud but not sure how that would help me in this situation as it isn't my debt!.. I can't find out what Arrow Global collect for which is a bit annoying and sadly neither DCA was that daft to tell me that juicy niblet lol.. My question is, do I take this further with Arrow Global and phone/write to them about this?.. I don't want to keep having threats from DCAs.. What can I do??.. Thanks for any advice..

I wasn't sure where to post this up but I just wanted to let everyone know that thanks to the help and advice from this site, I actually won a concession from RW.. It's been a lengthy battle to try to prove that just because I was my ex's partner at the time of the debt, it doesn't make me responsible for the outstanding balance of some 3k.. I was threatened with court action, but it never got that far and turned out to be an empty threat.. Nor does it make me responsible for any of their costs incurred in visiting a property, where for my own safety I use simply as a postal address and which I informed them was not my current residential address.. I was inundated with calls and letters from them trying to find out where I lived and my details etc.. My advice to anyone would be: 1) Make sure you get a copy of the original credit agreement from the company concerned, 2) If it's not your debt, don't pay them a single penny, 3) If you are able, seek advice from people who know about where you stand, 4) Listen and take in the advice before you decide upon your actions as your letters and phone calls sometimes are taken to the eight degree, word for word by some companies (I got accused of threatening RW for example with a simple data request letter).. In March 2011 after nearly a year of wrangling, I got a phone call from RW saying they 'had decided that I was no longer responsible (????) for a debt that wasn't in my name and living at the same property as the debtor, being his commom law wife (what??!!!? lol) was not enough justification to decide who is responsible' etc etc.. I asked for a letter to confirm this and at length, this month (four months after my request), it arrived - I almost had it framed lol.. The letter is very short and doesn't apologise for the inconvenience and lost year - it merely says that RW agree that this matter is now closed but they reserve the right to contact me in the future regarding this.. What I think about that, well the polite version is 'get stuffed you robbing...' lol..

Thank you for replying Cartaphilus.. I don't know what the debt is for or if it's even mine.. RW are being delightfully vague - they can't tell me the amount, where it's from, the year, the seller or anything.. I was a bit suspicious so I requested a CCA and now these letters saying that they are trying to sort my query out.. I know this account is in 'dispute' because I requested it so it must be mine - right??.. Well no, because I have never claimed this debt and used the templates from this site to help me out lol.. From the way they make it sound, it sounds like they can't tell me anything due to DPA??.. This is why I'm confused because if the debt were mine surely they could tell me??.. 'We come in peace' sounds more like an alien invasion than a DCA lol..

I've written to this forum and got advice on these people before but I would like advice as to whether I'm being 'fobbed off' (I think I am).. I've gone through the whole process to try to get RW to prove a debt is mine which I don't think it is (I think it's an ex's).. Anyway, I have now received three of these letters since August quoting (I have asked them for the original CCA): 'Please note, we have not yet received a response from the original seller. This note is to let you know that we are continuing to seek an update, we will let you know the response as soon as we hear, your account remainson a temporary delay. Thank you for your patience.' It's been well over the 12+2 days that I originally asked for the CCA, is it now down to them??.. How long is too long to wait??.. Are these people still accessing my credit file (despite me sending the 'Account in Dispute' letter)??.. It's driving me mad because I would like answers from RW which they can't seem to provide.. They have refused to comply with my letter requesting that they stop accessing my data further.. Would anyone recommend seeking legal advice??.. Your advice would be most appreciated as always..

Thank you Silverfox1961 for your response - it's pretty much what I expected from RW though.. At every stage with this issue, they have failed to provide me ANY evidence that I even owe this debt.. At the end of the day - no CCA, no me parting with my hard earned pennies lol.. I think I'll send a copy of the letter to TS as you suggest as the next step.. To be honest, I don't think this CCA will ever 'materialise' even after their '8 weeks wait'..

I have written to these forums before regarding my 'trial' with yes, Robinson Way (they are quite the notorious DCA to say the least!).. I went through all the correct steps of asking for a CCA - not receiving a reponse and then sending them the failure to comply within the 12+2 days.. I have also reported them to the financial regulatory bodies for a debt they cannot even prove is anything to do with me.. As this was three weeks ago, I thought that would be the end of it, however today I received this letter: Dear Miss ******** Thank you for your recent enquiry, we are trying to obtain a copy of your original CCA from the seller, however we are experiencing some problems. Whilst we deal with your complaint, please note that your account remains in a 'temporary dispute state'. This will be reviewed in 8 weeks time when we will begin legal action to claim this debt from you. I'm still not convinced this debt is even mine, plus I have reason to assume the 'debt' they are referring to is my ex-partner's (we were not married!) and taken out in 2000 or 2001.. Is this a delaying tactic by RW??.. What would be the next step??.. I would very much like to see them take any legal action against me without a CCA.. I would like this finished as I do not intend to pay for a debt they cannot prove beyond reasonable doubt that I even owe any money!!.. What is the next step to take and do I really have to wait a maddening 8 weeks??.. Please advise...

Thank you for all your responses, Andy01.. Good luck with Robbers-way (Oh I mean Robinson way!) yourself.. Mx

Oh, I am happy to sit back and wait lol - I just wondered for how long.. They appear to have left me alone already as they are no longer chasing payment.. After they receive the final letter, they will no longer be able to contact me in any form until the dispute is resolved.. I was wondering what would happen if they are unable to produce any kind of CCA agreement.. Mx

I have posted before about Robinson Way, I've sent them by recorded delivery today a 'Buzz off' letter as they have failed to respond to my CCA request letter which they received 3rd August 2010 with payment of £1.00 within the 12 + 2 working days.. So although I have no official confirmation - the account is in 'dispute' I suppose.. My questions are: for how long can this state last??.. I have now reported RW to all the relevant authorities, as advised on this forum, told them I feel harrassed etc and I know they cannot now do much with the debt nor can they ask for payment.. Is this a 'stalemate'?.. What can they do to me now??.. What can I expect to happen next??.. Do I need to prepare anything further??.. To be honest, I'm not even sure this debt is mine and RW don't appear to have the relevant CCA??.. Are they just fishing to try to scare me??.. Advice would be most appreciated.. Thank you to all who comment.. Mx

Thanks to all who helped with this.. Most appreciated.. Trying to find out what's next to do now..