I have received a letter from Robinsonway asking for me to contact them about a debt, which would be over 20 years old.

They have been texting me and sent me a letter and also called me wanting me to clear security with them before they would discuss the issue with them.

Which it didn't as I advised that they could be anyone and asked them to clear security with me before I confirmed anything to them.

They wouldn't, and just said the letters would just keep coming.

I wanted to check if im right I believe there was a letter that you could send asking them to provide a signed copy of the credit agreement but I wanted to see if this is still valid and how to get it. Many Thanks in advance kev123456

If there has been no payment or any acknowledgement of the debt for at least six years then it would be unenforceable at law anyway. Can you tell us a bit more about it please

have you moved since taking this out?

age of debt may not be relevant if you have acknowledged or serviced the debt in a manner that keeps it "live".

Dont need a book on it but a brief what it was (credit card?) when taken out and when last paid or acknowledged will suffice.

robbers way, like others will use ignorance of your rights to try it on so as soon as we can assure you it is SB the a short letter telling them where to go is all that is needed and we can give you that in a single line

They have been texting me and sent me a letter and also called me

Forward the text messages to 7726 (SPAM on your phones keypad) File all of their silly crayoning, and laugh at them before hanging up if they ring you.

The account was for a loan that I took out 20 years or more ago and I haven't made a payment on it or confirmed I own the money for over 18 years,

I have moved address.

I hope this helps many thanks in advance kev123456.

then you need to send them something

else they could quite legally get a CCJ against you by filing everything to your old address

never move without informing your creditors or debt owners first

can you go get your credit file please

and see if this is showing?

strange you say its 20yrs old

unlike them to chase one so old.

who was the original creditor too please

I have checked my credit file and I don't have a CCJ and the original debt is with HFC.

I think an other company have sold on the debt to them.

but the debt is not showing?

but the debt is not showing?

No it is not on my record they have now sent me 3 letters. Do you know where to find the letter i need to tell them to do one.

No it is not on my record they have now sent me 3 letters. Do you know where to find the letter i need to tell them to do one.

Personally I wouldn't be sending these clowns anything, there is absolutely NOTHING they can do.

They're wasting their time and money sending out computer generated threat letters.

Keep a diary of events if you wish to hammer them for harasment.

But IMHO, I'd simply laugh at them each time they send you something, knowing full well, there's FA they can do.

All letter templates are in the library above.

So how do I know they can't come after me for the debt even if I did own it. I just don't know my rights on this matter.?

they can

in E&W statute barring means the only thing they cant do is threaten court or enforce a court judgement ...so they don't bother...its statute barred

they can still ASK for payment

and you can ASK them to go away,

I further refer you to post 7

i'd send our SB letter.

just remember a DCA is NOT A BAILIFF

and have

ZERO legal powers.

get reading around this forum too