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reggyperin

old debt is back help needed please

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Hi all,

 

i have a question or two that i need clarifying if its ok..

 

to give you the background first..

Robinson way have been sending letters calling over the last few weeks about a loan/bank accout i had many years ago with a debt well over £13000!!!! (i never borrowed anywhere near this amount)

 

i havent dealt with the bank for 4 years or more and would like to get this sorted..

 

firstly when i was with them i used to go overdrawn very regular and was always getting charges for overdrawn etc hence the reason i took the loan, the loan helped pay off the OD amount and a little extra after a few years of paying i fell into difficulty and lost my job and the bank wouldnt reduce payments and i didnt make any.

eventually i had to open another account for my new job else my wages were going to get swallowed up without me seeing them.

 

so to cut a long storey short i moved around with my work and forgot about them but they have now found me...

 

so what do i need to do?

 

i have read a lot of the posts and it seems i need to send a form to robinson way to make sure they own the debt but i am guessing the debt is largely made up from bank charges which seeing more posts i shouldnt have to pay as they are unfair.

 

how should i tackle this issue?

 

thanks

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Is this a loan or combined loan and overdraft?

 

When was the last time you made a payment?


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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i would try and establish how long ago your late financial transaction was on the loan

if its getting close to six years then statute barring will apply.

 

TBH: if you have heard nothing in the last few years, then i'd suspect its just a phishing letter as you gotten on one of their brought debt listings that these DCA pass around.

 

you could send the deny all knowledge/CCA letter, but give us a bit more info first.

 

there is little they can do , in fact nothing they are a DCAand have NO LEGAL POWERS.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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more than likely it's a loan and overdraft

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as for a payment I would say about 4 & half to 5 & half years ago

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Hi,

In my opinion, you could do with slowing Robbers Way down. Firstly I would send them letter 18 from here:

 

The Consumer Forums - Debt collectors

 

Send recorded delivery and don't sign it.

 

Next send letter 11 from the same link to the original creditor. This is a SAR. You will need to prove who you are as you have moved (data protection act)

 

Send a £10 postal order

send by recorded delivery

give them 40 days from receipt to respond

 

Once ID checks have been completed, you will get back loads of stuff and you will be able to work out how much they owe you in charges and you might be able to offset the charge refund against any reainding debt.

You should get your agreements back as well and you will be able to see if the debt is enforceable.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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hi, thanks for the replies so far!

I haven't printed and sent the form as yet - no ink and payday is next week so once I get paid the letter will be sent.

During the time I posted the original thread until now Robinson way have called 5 times a day everyday I have asked them to stop calling but they continue to do it they have called twice already on a Saturday!! is there anything I can do because this is starting to get ridiculas and my other half is worried someone will turn up and take our stuff

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You could always send them this:

 

Harassment by telephone - Consumer Wiki

 

And if you think they are going to call, send them this:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-.html

 

Again post by recorded delivery and keep a copy of the doorstep letter by your door, just in case.

 

fox


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Telephone harassment letter

 

Give them the template letter linked below through the letterbox or chained door.

 

http://www.consumerforums.com/resour...ep-visit-.html

 

Tell them to leave as you have nothing to discuss and all communication must be in writing.

 

Tell them you will call the police if they don't leave immediately.

 

Remain calm and polite at all times.

 

Walk away from the door so the visitor cannot try and talk to you.

 

If they don't leave, call the police to report that you are being harassed and the visitor refuses to leave.

 

No-one can turn up and just take your property, that is theft.

If they are threatening you that they can then laugh at them and report them to the OFT.

A DCA cannot take peoples property just because you may owe money, DCA's have absolutely no more legal right to take peoples property than I do!

Firstly, you would need to go to court, then the judge would have to issue you with a CCJ, then you would have to default on that CCJ, then the DCA would have to go back to court to say that you had defaulted on the CCJ, and then the court would decide whether to send 'Certificated Bailiffs' who are employed by the court.

So DCA's are talking out of their backsides when they threaten debtors that this 'may' or 'might' happen.

So you needn't worry....your a long way from bailiffs..

Edited by Bazooka Boo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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