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

Hi CAG, I am hoping for some advice, if you could be so kind. I took out a BC in Jan 2011, and due to a serious marriage break-up, problems with alcohol and depression I lost my job in late 2012, needless to say the last thing on my mind was managing my debt. In a panic I ended up on another forum which I am sure you will know which seems to offer stupid advice. I wrote to BC and asked for a copy of the CCA, they replied with a reconstituted copy of the terms and conditions but no copy of the agreement. Literally a month later they sold the debt (£2000) to Hoist and I do believe I received a notice of assignment, although I cannot be 100% sure. I challenged Hoist to produce a copy of the CCA and a copy of the notice of assignment, they failed to produce any documentation and it all went quiet. Then last year RobisonWay starting trying to collect the debt on behalf of Hoist Around June 2016 I received a letter from RW saying they may pass my account to Cohens for court action I replied explaining BC and Hoist had failed to supply any copy of a CCA and if they wished to instigate legal proceedings then I would defend based on the fact none of the companies could produce a copy of the CCA and under civil procedure rules they would need to supply a copy after issuing a LBA. I challenged them for a copy of the CCA and notice of assignment and they replied they would write to Hoist/BC to get it and were suspending collection activity. About 2 months later I finally received the exact same reconstituted copy of the terms and conditions (which BC had sent me over 2 years previously) and still no copy of a CCA, I emailed RW and told them what they had sent was utter junk and did not fulfill what I had requested, they wrote to em again saying they would suspend activity. I have now received another letter from them in which they claim my credit card application was online and as such does not need a signature, this is UNTRUE, when I applied for the BC in 2011 it was via an application which was received in the post. They have included a copy of the notice of assignment from MKLDP LLP to Hoist and something called "barclaycard cas mart application retrieval" which contains the date the card was applied for, my address, etc but it appears to be an internal document which appears to simply be where they have imputed the postal application on to their system after approval. At least that's what it appears to be. I am currently wondering what should be my next course of action, If I could pay the £2000 off I would, but since my marriage break-up, problems with alcohol, depression and my job loss I have been struggling on benefits which is incredibly hard to do. When I was drinking I could not care about them, but now I am sober and trying to rebuild my life I am worried about this situation. Sorry for such a long-winded post, but if anyone could offer any advice I would be eternally grateful.

HI Im a new user here! Help! Have received County Court Claim from Hoist Portfolio Holding 2 Ltd on behalf of Robinson Way/Howard Cohen and Co for £1568 plus £621 interest for a debt that was with first Direct. Was with MKDP LPP but obviously have sold it on to Robinson Way . Had no problems with MKDP previously and had made payments so its not statute barred. Have offered a min payment and sent financial statement as requested but their response was for me to call them to discuss further (i wrote them as don't like to have anything not in writing) They did not respond and have passed it on to Howard Cohen who have in turn issued County Court Claim. Anything i can do to stop it going to court, I don't think i can dispute the debt but i am aggrieved that i have done everything that has been asked by offering a payment. I have other debts and they have all accepted my offers previously so was not expecting this to go this far! is it too late to ask for CCA Request? I don't recall have a Default letter but it may of been sent years ago by original company? thanks

Hi, We applied to Halifax to get a new deal on our mortgage, long story short they're being typical bankers. They've given our home address to Santander who in turn have stuck my other half with a business account debt that he shared with his brother years ago. His brother has been through bankruptcy and sufficient years have passed that it no longer affects his credit. I can't bankrupt my hubbie over the head of a joint debt as we'll lose our house but there's no way we can pay this. I have no intention of dancing with "Hoist Portfolio Holding 2 Limited", nor " Robinson Way Limited", the company charged with managing the debt as he signed no contract with them. Can anyone advise exactly where he stands with this debt? Does it legally become his when the other named acc holder becomes bankrupt? Tbh his brother done all of the spending on the account but all paperwork lies with his solicitor from the bankruptcy case. 1 more side issue, our mortgage advisor has a loose tongue and I've found myself getting into a taxi with his driver brother and him fit to tell me every step of our negotiations. What can I do about this?? I'm not happy at all.

This was my Mums Capital One Visa card debt - a/c opened in Oct 2003, credit limit £1,100 - I have only just found a statement dated 27/07/2006 showing £10.11 charged monthly for Payment Protection Insurance, also on the statement are charges listed and paid per item of £20.00 for Late Payment Fee and for Overlimit Fee (on this statement the overlimit amount was £189.58). I don't know what date the account was either passed to or sold to Robinson Way Ltd (ex Capital One) as the first letter I've found from them is dated June 2007 and the last letter from them is dated 26th June 2008 stating the debt balance due on the account was £981.91. The next communication that I have located is dated 21st June 2009 from Horwich Farrelly Solicitors (interestingly their address, telephone number etc is EXACTLY the same as Robinson Way Ltd) almost one year later and stating that Northants Court granted Robinson Way Ltd a CCJ on 7th February 2009 and the debt ordered to pay was for £1,156.16 which is £174.25 OVER the amount listed almost a year earlier? My mother became seriously ill in 2010 and I started opening her post and dealing with all her correspondence. On 5th October 2010 I opened a letter dated 16th September 2010 from Horwich Farrelly Solicitors referring to the judgment and informing if they did not hear from my mother within 7 days of 16/09 they would apply to the court for a charging order however there may be a reduced settlement figure available on the account. On the same day, 5/10/2010 I called Horwich Farrelly Solicitors and explained my mother had been hospitalised since early July 2010 and therefore unable to contact them directly. Obviously due to data protection the employee would not supply any information to me until I sent them my mothers signature authorising them to correspond with me. I asked the employee to put a note on the account about my mothers situation and to state that I had called them and that I would be forwarding an authorisation letter as soon as I could get to the hospital to get my mothers signature. I also asked if a stop could be put on account allowing them time to supply me with the account information and therefore allowing me time to work out a plan (as this was one of three problems I had to deal with and it was third in importance, first was Santander/Eversheds mortgage arrears threatening repossession and second in importance was a second charge fixed loan which was in arrears on my mothers house which she'd already been to court about just before going into hospital and the court had ordered extra payments monthly ontop of the usual payments which my mother obviously hadn't honoured). I followed this telephone conversation with a letter confirming what had been discussed including my mothers signature of authorisation and also requested that they send me the details of the account debt. I never received information about the account debt. Horwich Farrellys next letter dated 18/10/2010 stating the court had advised them that the bailiff wasn't able to execute the warrant that had been recently issued. Another letter dated 15/11/2010 saying to pay the arrears £1,156.16 within 10 days and also details Instalment:- £120.00 or else enforcement action would be taken. Next letter dated 19th November 2010 stating their client Robinson Way (assignees of Capital One) would accept £763.07 in full and final settlement of the account debt £1,156.16 in six monthly instalments of £127.18? I was overwrought trying to stop the court, Santander, First European Securities ordering the house to be sold and negotiating continually with solicitors and litigation departments etc that I didn't have the time to attempt finding any paperwork for this debt. I could not cope and had no money left to offer payments to Horwich Farrelly so I turned to my mothers friend who loaned the money and who also directly called HF and paid the £763.07 settlement offer with her Visa card. Next letter from HF dated 29/11/2010 acknowledging £763.07 payment but stating the account still had an arrears of £393.09 to pay? I confirmed with Mums friend that she had definitely paid it which she confirmed providing the HF employees name who had taken the payment, the number she telephoned and the bank payment authorisation code she'd been given by HF. I had no time to call HF due to hospital appointments, social services, care agency's etc coming to see me and my mother however the next letter from HF dated 2nd December 2010 confirming the account is now settled following the recent payment and their file on the matter has been closed. About a fortnight ago my mother called the court and was told the account is not settled? Then my mother called Cabot (as far as I am aware of Cabot has not had any association with this debt but Mum rang Cabot as they have been hounding Mum for a few years regarding a Capital One Credit Card debt sold to them. She is convinced she only had 1 Capital One credit card and convinced this settled debt is the same as the one Cabot are wanting payment for? )! Cabot told her it is 2 separate account debts and NEITHER debt has been settled? Soooo friends, is it too late to argue charges and PPI and also to argue the debt balance and therefore the CCJ information??? And which letter do I send and who do I send it to? Many thanks to you all and this is just my first question of quite a few to follow.