SICK WITH WORRY, PLEASE HELP (Robinson Way)

[chezwicks]

Hi all. Oh my god, im that sick with worry i dont know where to start!!!

 

I will try and cut the story a bit shorter....... Back in 2000 we took a loan out with secure homes. After a year or so we got into difficulties and came to an agreement with them that we would pay £25 per month. In 2002 we moved house and our payment book got mislaid. After numerous times of contacting them and no responses from them we gave up!! The debt was sold to a company called JB Debt and payments were made of £20 per month for around 2 years. All of a sudden we get a letter from a company called Robinson Way, chasing the same debt!! As i was confused by this, i cancelled the standing order with JB Debt and waited for them to contact me. Eventually they did and said they were collecting the payments on behalf of Robinson Way. I told JB Debt i wanted something in writing clarifying who owned the debt as i did not want to end up paying 2 companies for the same thing.

 

Eventually, I received more letters from Robinson Way and i sent one of your templates requesting a copy of the CCA, which i recieved about 4 months later. I then wrote again by recorded delivery asking for a breakdown of the payments already made during the previous 2 years, but i heard nothing back. I then receive a letter saying they accept my offer of payment of £1 per month, but i had never offered this!!!! I wrote again asking for a breakdown of payments already made, but again, heard nothing back.

 

Then in January this year, i received a court letter/form. I completed it and enclosed a complete breakdown of my incomings/outgoings which left me £90 a month, and i offered them £25 a month. I also enclosed a letter telling them of the numerous attempts i had made to contact robinson way, but wasnt getting any responses. I sent the letter back on 21st January, but sent it direct to Robinson Ways acting solicitors. I heard nothing back from them until today!!

 

I am now sick to the bottom of my stomach with worry, because this court letter i have received today, states that Robinson Way have objected to my payment offer, and the court has decided that i must pay £248.33 per month starting from 25th April. HOW am i supposed to pay this when i am a single parent with 2 kids, and am only left with £90 a month after everything is paid?

 

Please can someone advise as i am beside myself with worry like you wouldn't believe!!!

 

Thankyou

[300]

Was the agreement you received enforceable. You need to get in contact with the court immediately by recorded delivery and explain your situation. Stating that there must be some mistake and you would like to have a copy of all the paperwork the decision was based on as you have NO disposable income being a VULNERABLE single mother on a low income. They can not ask you to pay more than you have available. With two kids I am sure you could get your disposable income down to zero so that a token offer of £1 would probably be accepted.

[300]

Also copy your post in to the Legal Issues section due to the urgent nature of your query and that the court is already involved. More knowledgeable CAGers monitor the Legal issues section so you will also probably get better advice.

[chezwicks]

dont mean to sound thick, but when you say was the agreement you received enforceable? which agreement do you mean?

[r&b]

i think you would be advised to copy up what the court has sent you and the CCA reply, minus any personal details, opening a photobucket account (free) is favourite then u can upload the images or simply copy them verbatum if its easier.

is it a judgement for the claimant?

bear in mind that no court will make u pay more than u can afford so hold off on the panic front if u can, easier said than done of course.

[300]

I meant the CCA reply, if you post it up we can give it a once over and see if it could be enforced by a court - if not one option is to stop paying.