Horwich Farrelly / Rob Way

[Melbourne99]

Hi,

 

I sent a letter to RobWay requesting a copy of the Credit Agreement and enclosed a £1.00 postal order.

 

I sent this letter on 21st March 2012.

 

I received a reply from them on 26th March explaining that they had asked the Cooperative Bank for a copy of the agreement to verify that I am I liable for the amount due.

 

They returned my £1.00 postal order and stated that my account had been place on a temporary delay pending receipt of the documentation and that they would contact me in due course.

 

I have today received a letter enclosing a signed copy of the Credit Agreement and a request that I make payment in full within 10 days.

 

Is there anything else I can do?

 

This debt was actually accrued by the additional cardholder who is now my ex-husband!!

[dx100uk]

history with dates please

 

dx

[Melbourne99]

What dates and history do you require?

[dx100uk]

when taken out

when defaulted

 

why did you send a cca , are they chasing

for how much.

 

yo say its a joint account

 

please give the history of the card.

 

dx

[Melbourne99]

The card was taken out on 15th September 2005.

It was it my name as my ex husband was self employed and could not get any credit at the time, but he signed as an additional cardholder.

 

He used the credit card for his business and said he would pay off the debt when he got paid for his jobs,

however he did not pay me and the debt kept accruing.

 

He left me with the debt so I called them and asked them to stop the interest etc.

He made a token payment to them until we closed our joint account and then he stopped making payments.

 

On 30th August 2006 I wrote to them explaining that my ex husband and I has separated and asked if they would accept a token payment and received no reply. On 31 May 2008 they wrote to me accepting a token payment for £15.00 a month to be reviewed after a year.

 

This was supposed to be made by my ex husband but he clearly didn't make any payments.

 

I moved house and never heard anything until January this year when they wrote to me at my new address and kept ringing my mobile.

 

I asked for a copy of the CCA as that seemed to be the advice that was given on this site.

 

They sent me a copy of this and have asked me to make payment within 10 days.

 

The balance on the account is £1569.72.

 

Cheers

[silverfox1961]

Hi

As the card was in your name, you are liable for the debt but I will bet that there are loads of charges added to this since 2006. It may be that reclaiming these charges may wipe out the debt or at least make a major dent in it.

 

I would be contacting the original creditor for statements so that you can see what is what. Do you know if PPI was added to this account without your knowledge?

[Melbourne99]

There are no charges added to this account, the amount is as since the last payment was made.

 

How do I find out if PPI was added?

[dx100uk]

should be on the agreement

 

so your cca will be useful.

 

so the last time acked the debt was aug 06?

 

dx

[Guest]

There are no charges added to this account, the amount is as since the last payment was made.

 

How do I find out if PPI was added?

 

when was the last payment?

 

have a look at the copy agreement sent, is there any info re ppi on there? otherwise, consider doing a sar (beware of any poss statute bar)

Edited May 2, 2012 by Ford

[Melbourne99]

There does not appear to be any information regarding PPI so I don't think PPI was added.

 

What does a SAR involve?