Lloyd's OD debt - lots of charges - wescot - now Robbersway.

[unclebulgaria67]

Thank you for your reply...Really? But what if they put a CCJ on? I'm so confused, we were thinking of sending a letter saying I don't acknowledge the debt and for them to send us proof...

 

They have to send you a letter before action saying that they will issue a court claim, not just may or might. You are not at this point.

 

Ignore and keep an eye on letters received.

 

Lloyds won't be interested now, if they have sold the debt.

[Venga78]

Thank you so much to you both

- ok we will wait and see what happens...then i will update here.

 

 

If they ask my hubby to go court for ccj then he will defend himself.

 

Thanks again guys.

[lookinforinfo]

Difficult for you to say you do not acknowledge the debt when you wrote back in 2012 that you wanted your charges repaid. Did you ever make any headway with that letter?

 

If Cohen do start making threats you can send Robinson Way a CCA request assuming the debt was for a loan or credit card.

[Venga78]

LOOKINFORINFO - When we sent that letter it was to a diff debt collectors not Robinsons Way.

 

I thought I'd update: received another letter from RW saying nothing about a CCJ - just another generic letter about how we could come to an agreement blah blah - I'm seeing this as a positive, would you agree?

[Bazooka Boo]

So you have already sent a CCA request to a different DCA?

 

If so and this has been flogged on to another powerless DCA, then do nothing, you've made a perfectly lawful request to see this document, they have failed.

[dx100uk]

Its a bank account CCA does not apply

 

Is it not now statute barred?

When did he last use it?

[Venga78]

Yes it's a bank account overdrawn due to their charges when my husband was on JSA. I think it will be stat barred in a few months. He hasn't used it for over 6 years but had the default put on in 2010...will the default drop off after 6 years if we ignore all letters?

 

Thanks both for the replies.

[dx100uk]

Whole account goes from file on defaults 6th birthday never to return

 

SB is not from defaulted date

If he has not used it it over 6yrs it is sb'd

 

Just don't ignore a claim form

All The rest ignore

[Venga78]

Sorry I didn't quite understand - don't ignore claim form - what's a claim form please? Ty

[dx100uk]

if they were ever stupid enough to issue a court claim.

 

 

sb defence would kill it dead so don't worry

[Venga78]

I spoke to my hubby I was wrong the last time the account was used was in Nov / Dec 2010...

[dx100uk]

the fact that they have offered a discount speaks volumes

let it run

 

 

dx

[Venga78]

Thank you dx - you are right - I think they are just chancing it without having any proof. The 'debt' has been passed on to so many diff debt agencies I think all of them & then in one big giant circle came back around to RW.

[dx100uk]

prob all the same group...HPH2 ltd hoist

[Venga78]

I see...hopefully the next update I make is celebrating the all clear

Thank you.