Bloody hell, now they both want paying, Halifax has sent me a statement requesting full settlement ( only sent them what i always do every month ) and Robbers way sent text "reminding me" that a payment is due to them in a few days. No bloody chance.

Thank you for your replies so far.

Hi , yes i did and they sent me a copy of my CCA

I posted on another thread that i was getting pestered by RW for a debt to Halifax Credit Card to which i was paying an agreed amount each month. I carried on paying Halifax by standing order each month even though they never sent me an updated statement or receipt of monies sent. This has carried on from July 2010 until this week. I have now received a letter from Robinson Way thanking me for my offer of payment and that this has been accepted and i must pay on time or risk further action. I have never communicated with RW in any way so how can they accept my offer? I am loathed to pay these bunch of outright cowboys and continue to pay Halifax direct who continue to take my payment with no statement or recept forthcoming. Any advice please?

If anyone could have a look at my CCA on the above post and give me some advice i would be most grateful. Best Regards to all Nobby (john)

Images of my CCA with HBOS, can be viewed at the following album. http://s1093.photobucket.com/albums/i435/nobbyn/ any comments greatly appreciated Best Regards to all Nobby (John)

Post deleted-images too small

Re-posted letter following editing in paint shop

Received another letter from RW this morning, well not a letter but a "SECURITY TELEMESSAGE" which is just obviously a mass produced scanned documenet. Image attached. They state that recent actiuons on my account are giving then concern. What gives me concern is that they continue to call me everyday, sign leters with just a signiture and NO name. and i still state that my "signed CCA is with HBOS and not them" Any ideas please as what to do, do i contact them (RW) as i have refused to do so apart from the initial letter requesting my CCA" or should i just continue to ignore them. Many Thanks John

How long do i give them to stop calling me and writing letters to pay them and not HBOS? I have had no indication from HBOS that i should now pay RW and as far as i am concerned for a company to demand payment for a signed agreement with another is almost fraudulent. I do not see why i should answer any letter or telephone call from RW until i hear from HBOS to the contrary. Any ideas anyone please.

As i cannot post images on here yet, i am seeking further advice please. RW are continuing to pester my mobile and home phone every day but i will not answwer at present. As explained in an earlier post i have a arrangement with ALL my other debtors but HBOS were the last to agree ( took 9 months ) and still charge some interest. I have continued to pay HBOS direct every month but do not receive a statement for the last 3 months. I have now received the following "legal looking" letter from RW stating the following: " Dear Mr xxxxxx The recent payment you made direct to our client HBOS has been credited to the above account. Robinson Way Limited are dealing with this account and all payments MUST be come direct to ourselves. You MUST NOT make payments to HBOS or any agencies acting their behalf, as they are no longer dealing with this matter. Please make payments using one of the methods set out overleaf . blah, blah, blah. Collection manager ( no name given ) " Should i ignore them, or write something to them offering the same amount as pay HBOS, or state that i am going to continue to pay HBOS as that is who my signed agreement is with and no-one else. Any assistance is greatly appreciated as this matter is making wife ill. Best Regards to all Nobby (John)

Thread will not let me post images as i have not compiled enough posts yet......... Not sure what to do now

Thanks diddydicky, do you mean a copy of my agreement? or the correspondance from RW? many thanks Nobby

Hi. I need some more assistance please. I have just received from Robinson Way a letter with a scanned image of my credit agreement from Halifax with my signature. This has taken them over a month to supply. In the meantime i have continued to pay Halifax a set amount of money each month which has been accepted ( as it has not been returned ). However i have now paid Halifax twice without receiving a statement from them and an amount is due to be paid next week. I cannot afford to pay my debt outright and every other creditor has not given me any hassle at all compared to HBOS/Robinson Way. Has anybody any ideas as to my next step. 1/ Should i offer RW the same payment as i am currently paying HBOS 2/ Should i demand an updated statement from HBOS Any information would be greatly received. Best Regards to all Nobby