TheSleeplessDebtor
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Hph2 ltd/robinson way/ ex RBS tesco debt
TheSleeplessDebtor replied to TheSleeplessDebtor's topic in Royal Bank of Scotland
Hi Ford, yes robway sent me a letter stating that they had halted proceedings while they contact Tesco for the information. After all this time they have sent me a photocopy of the signed application form but it is completely illegible, which they somewhat admit to in their letter and tell me to contact Tesco if I have any queries with it. They have also attached a computer print out of all payments which puts my last payment to Tesco in Sept 2012 which means the debt will be statute barred in a few months. They have given me 30 days to respond. What do you think I shou -
Hph2 ltd/robinson way/ ex RBS tesco debt
TheSleeplessDebtor replied to TheSleeplessDebtor's topic in Royal Bank of Scotland
Robinson Way have acknowledged receipt of my letter and are halting proceedings whilst they respond. -
Hph2 ltd/robinson way/ ex RBS tesco debt
TheSleeplessDebtor replied to TheSleeplessDebtor's topic in Royal Bank of Scotland
Hi DX, it was for six separate credit cards; Morgan Stanley; mint; barclaycard; household bank; marbles and egg. S -
Hph2 ltd/robinson way/ ex RBS tesco debt
TheSleeplessDebtor replied to TheSleeplessDebtor's topic in Royal Bank of Scotland
Hi, CCA attached. Attached T's&C's.pdf CCA1.pdf -
Hph2 ltd/robinson way/ ex RBS tesco debt
TheSleeplessDebtor replied to TheSleeplessDebtor's topic in Royal Bank of Scotland
Hi DX, yes it is RBS. The loan was to consolidate other credit cards. I'm pretty sure there is no PPI as a remember asking them to remove it. I also managed to negotiate a freeze on all interest and charges so I don't think there is anything there to claim back either. The interest and fees that I was referring to in my first post is purely what Howard Cohen are threatening me with if this goes to court. I will try to get a PDF of the agreement over to you later today. S -
Hph2 ltd/robinson way/ ex RBS tesco debt
TheSleeplessDebtor replied to TheSleeplessDebtor's topic in Royal Bank of Scotland
Hi dx100uk, thanks for the quick reply. Yes I have got a CCA from a previous DCA and it seems as though it's all there. I have kept everything that I have ever received but not sure if I got everything that I have ever been sent as I did move house a couple of times. I figured that when I did not receive a response to my offer acceptance letter that it was just a ploy for them to get me to acknowledge the debt thus restarting the SB clock! I hope you are right and that this is just a threat. Regards Sleepy -
Hph2 ltd/robinson way/ ex RBS tesco debt
TheSleeplessDebtor posted a topic in Royal Bank of Scotland
HPH2 LTD/ROBINSON WAY/ EX TESCO DEBT Hello, thank you in advance to anyone that can help. 1. In May 2005 I took out a £12k consolidation loan over 3 years. 2. In 2007 I ran into money problems and entered into an agreement to pay less per month. 3. By 2008 I lost my job and defaulted on several payments eventually I just stopped paying anything. 4. The account passed through several DCA’s and I tried to negotiate a reduced FFS figure several times however they always wanted more than I could afford so I paid my other debts instead. 5. The last payment I made
