This morning I received a letter from Robinson Way addressed to my ex-wife (we divorced in 2003).

They are apparently chasing her for £10,406.37 which she owed to RBS at the time of our divorce.

Prior to the divorce I was paying her credit card bill as she had no income of her own.

After the divorce I obviously stopped paying as I felt it was no longer my responsibility.

Although we are divorced she recently moved back in with me

having fallen on hard times and having no income to speak of, of her own.

I agreed to take her in to help her out.

She has absolutely no assets to speak of,

no bank account of her own and survives on state benefit.

She's not on the electoral register as living at my address

and I'm amazed at how quickly they have caught up with her.

She has admitted to Robinson Way to living here as they recently telephoned the house (I'm ex-directory)

and spoke to her before either of us knew what was going on.

Personally I don't think she owes the debt any longer but I may be wrong.

I haven't made a payment on the debt since 2003

and she definitely hasn't made any payments towards the debt since then either.

Nor has she corresponded with or received correspondence from RBS

or any other debt collection agency in respect of this debt until today.

I'm new to the forums having joined specifically to get advice on this matter.

So any help or advice you could give me would be gratefully received.

hi welcome aboard.

you were right to come here

robbersway are one of the biggest fleecers out there.

send them the statute barred letter from the library tab top left

and stay off that phone!!

a DCA are NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

dx

Hi dx100uk, thanks for the swift reply and the welcome.

Robinson Way are becoming a real pain in the backside.

I'm now receiving regular phone calls mostly from an automated system

asking me if I'd like to speak with one of their representatives.

It goes without saying that I don't want to speak to them, I don't want anything to do with them.

I'll take your advice and send the statute barred letter and see how I get on.

Obviously I will come back and keep you advised as to any outcome.

Thanks for the advice it was most helpful.

good

dx

Check ythe credit file try Noddle its free then come back

MM

It is rather interesting that despite your ex not being on the electoral register at your home, that the DCA has managed to track her down. If this were me, I would be making sure that there is no link between you and her on your credit files.

That she is not applying for any credit using your address.

That she is not providing your telephone number as a contact number, especially if it is ex directory ! .

That answer is very easy they can trace you simply by a change of address with a bank, service provider, literally any thing that requires your name and address, it is frightening where this info comes from.

I have been watching some programmes that explain how people are traced tracked and monitored, in the financial world, Its horrifying, even if you update your email profile can cause this, so if you don't want to be traced tracked monitored get a mail box .

Now going back to your post You are NOT responsible for your partners debt, as such it will not have much affect on you to much, but if she is getting more credit then this needs to be looked into, and what credit has been updated with the new address. Your main concern will be any financial association. You will need to keep an eye on this.

MM