IMHO I wouldn't be offering anything more than £1 a month for the life of the debt, this is by no means a priority debt and your offer should reflect that.

IF, you feel you need to pay Robbersway anything at all, which I certainly wouldn't.

Thanks Bazooka but I am concerned about the threat by either RW of court action....

AFAIK that's all it is, a threat, either way, you won't stop someone from taking you to court, even if you started paying.

If you paid them £1 a month then they would look very silly trying to take you to court for a debt that you're already paying.

But the fact is, they have offered you a discount, so something must be amiss somewhere...??

Ok thank you. I'll get a letter of to them with in mind see what they have to say.

Is the debt defaulted?

I have no record of a default from OC and as there is no record of this account on my credit file so i short I don’t know.

good that means it was defaulted more than 6yrs ago

when did you first have payment issues?

I think August 2010

sorry I couldn't review the thread

you said earlier:

The account default date is 15th Oct 2010.

then IMHO I would NOT reply nor offer payment.

all paying this will do is elongate the SB status

they have offered discounts

usually indicates something is wrong.

its defaulted and should now not be showing on your credit file so cant harm you .?

they have had this debt sold to H2HP for years now

so they've not done nowt to date

and most prob not do anything.

do you know the assignment date??

Assingment date 21/01/2016.....after this the heat got turned up, culminating in the court action threat and why I put in CCA request.

no when it was sold by the OC to xx dca. who was?

rway are just another name for the same DCA that bought the debt I bet

I suggest its was about the time of the default?

As far as I am aware this is the first time it’s been ’sold’.

In the past it has been with Wescot, Fredrickson and a couple of other DCA’s

who all stated in their letters that Tesco is the ‘client’.

I have no earlier notice of assignment.

Id does seem a bit odd that its been with Tesco for so long though.

ok no that appears to be correct then.

Tesco do keep hold of debts

wescot freddies etc are all not debt buyers but as you point

chase for 'their client'

that you say was named as Tesco.

Should I respond?

I maybe could afford a small payment towards it.

Is it worth making a full and final offer?

Don’t want a cc for a debt that old.

well that's probably the same for them

they go for Discounts as they aren't confident they'll get a CCJ .

I think i'd let this run a awhile

Ok thanks...they gave me 30 days so I’ll see what they have to say. Many thanks for your advice.

they've got no power to dictate you do anything within 'xx' time limits

they are a DCA not superman

Hi,

I had been receiving regular letters regarding this alleged debt from Robinsway with the usual 'please contact us and agree a payment plan' but no futher threats of court action. It all went quiet

I received a letter mid July with usual might do threats of sols a then a letter 2 weeks later saying the same but in different language. They gave me 10 days to respond.

Today I received a letter from RW offering me a massive discount! over 50%.

I cant find anything wrong with the agreement and the debt is not SB.

They have said that they are prepared to accept monthly instalments.

Should I just hold tight or offer them something?

Will paying them anything re set the SB clock?

Yes it will

Let it run

Do NOT pay a single penny to robbersway, file their silly little missives in file 13.

Ok I'll hold tight. Thanks.

Hi

I received a NoA from Hoist Finance UK stating that the dept had been assigned to themselves from Hoist Portfolio Holding Limited.(are they the same company?)

Didn't really think anything of it

today I receive a 'letter of claim' from Howard Cohen saying agree a payment plan, pay up or we go to court.

They state that Robersway are still responsible for collection (who have previously offered me 55% discount).

So your good advice please.

This debt is SB mid next year,

should I wait and see what happens or are they serious this time?

I've been down this road with them before and they took no further action other than offering me a massive discount!

its a change to HPUK2 for the luxy holding company HPH2

you say you've a letter of claim and a response pack?

They have included some documents for me to respond with.

is it

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

see post 4 attachment^^^^^