robinson way and santander bank charges debt help needed

[rebel11]

Hi Dazz

 

So it's just hot air then. just monitor the situation. March 1st just around the corner.

 

hi its just a copy of change of address form nothing else

[dx100uk]

two threads merged

 

please keep to one thread per debt

 

dx

[dazzaman12]

thanks everyone , I will monitor it and hopefully I wont be harassed too much

[psyduck]

Just remember that letters from Robinson Way are hot air, they are acting on behalf of Santander and can do NOTHING to you. You have a plan now thanks to DX and Brig, make sure you stick to it and if you want to deviate come back here for advice FIRST

 

Stay off the phone as well

 

P

[dazzaman12]

hi everyone ,

 

I thought I was rid of robinson way after sending statute barred letter but

 

I have received a letter today saying that I have made an alleged payment in 2009 for £5

and it is not statute barred and I need to pay the full amount.

 

I have checked my credit file and this debt is no longer on file it has dropped off,

are robinson way trying it on because I have never made a payment at all to Santander or robinson.

 

any advice would be appreciated and thankyou everyone.

[dx100uk]

you put them to strict proof

 

of when, where, how, by whom.

 

phantom payments are a typical DCA trick.

 

dx

[dazzaman12]

you put them to strict proof

 

of when, where, how, by whom.

 

phantom payments are a typical DCA trick

 

 

 

dx

 

 

Hi dx thankyou for the reply.

I sent them the template letter only

After the six year date which was in march

I waited until it was no longer on credit file before sending it.

Do i need to send proof and if so what proof can i send.

[dx100uk]

as post 31

 

dx

[dazzaman12]

as post 31

 

dx

 

so send statute barred letter again?

[dx100uk]

you put them to strict proof

 

of when, where, how, by whom.

 

the payment were made

 

by a formal letter

 

dx

[dazzaman12]

you put them to strict proof

 

of when, where, how, by whom.

 

the payment were made

 

by a formal letter

 

dx

 

ok thankyou,i will post there response when i get .

thanks again for all your help

[dazzaman12]

ok thankyou,i will post there response when i get .

thanks again for all your help

 

am i right in thinking if it is no longer on my credit file that robinson way are just trying it on then

[dx100uk]

not being on your cra file is no indication a debt is not owed

 

good pointer esp if payments have not been made in 6yrs

[dazzaman12]

this is the letter I will be sending to them, I have just added a bit to the statute barred letter template .

is there anything I need to add

 

 

Robinson Way

 

Quays Reach

 

Carolina Way

 

Salford

 

M50 2ZY

 

 

Dear Sir/Madam

 

Reference No: xxxxxxxxx

 

Your company has contacted me in respect of the above account which you claim is owed by myself stating

I have made an alleged payment in 2009.

 

I have no acknowledgment of this payment and you have not provided me with a copy of the alledged payment.

 

I am requesting a copy of this alleged payment I am supposed to have made as you stated in February 2009

and as I have stated I have no acknoweldment of any such payment

and again would like to advise you that the account is statute barred.

 

It is my understanding that under the Limitation Act 1980 Section 5

 

"an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued".

 

I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that

 

"it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period".

 

The last payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment

has been made since that time.

 

Unless you can provide evidence of payment or written contact from me/us in the relevant period under Section 5 of the Limitation Act,

 

I/we suggest that you are no longer able to take any court action against me/us to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that

 

"continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970".

 

You have also stated that a door-step collection could be sanctioned in regards to this alleged debt, Please be advised that I will only communicate with you in writing or email. Should it be your intention to arrange a doorstep visit, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

 

There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.

 

I look forward to your reply.

 

Yours faithfully

[dx100uk]

to much waffle you've already sent

 

 

Robinson Way

 

Quays Reach

 

Carolina Way

 

Salford

 

M50 2ZY

 

 

Dear Sir/Madam

 

Reference No: xxxxxxxxx

 

I acknowledge no debt to you or your clients.

 

i thank you for your letter dated ...............

 

Your company has contacted me in respect of the above account which you claim is owed by myself

stating I have made an alleged payment in 2009.

 

no such payment by myself has ever been made

 

please supply the following details regarding these alleged payments

you claim I have made

 

the method of payment

where the payment was made

by whom the payment was made

the details of the account the payments were made from.

 

I repeat I do not acknowledge any debt to you or your client

 

dx

[dazzaman12]

thanks for that dx , I have sent your template letter to them and awaiting reply

 

 

the letter they sent me says as follows

 

 

dear xxxx

 

 

further to your recent query , our client advises that the last payment received for this account was £5.00 in February 2009.

the account is therefore not statute barred.

please complete the enclosed financial statement and return with your affordable proposal for payment within the next 14 days

[dazzaman12]

hi all , received a letter today from robinson way and it states

 

 

dear mr xxxxxx

 

 

we refer to the above account which will no longer be managed by this office

all future payments and correspondence should be sent to our client directly, if you were paying us by standing order please cancel that instruction

thankyou for your cooperation

 

 

does this mean that's the end of it or will I be pestered some more later down the line

 

 

I would just like to thank everyone for all the help I have been receiving on here ,you are all great!!!!!!

[BRIGADIER2JCS]

hi all , received a letter today from robinson way and it states

 

 

dear mr xxxxxx

 

 

we refer to the above account which will no longer be managed by this office

all future payments and correspondence should be sent to our client directly, if you were paying us by standing order please cancel that instruction

thankyou for your cooperation

 

 

does this mean that's the end of it or will I be pestered some more later down the line

 

 

I would just like to thank everyone for all the help I have been receiving on here ,you are all great!!!!!!

 

 

 

It's a result But all depends on what Satan's Bank decides to do either close their file and writ the debt off and do no more or sell the debt to a DCA lower down the food chain in the murky depth of the DCA pond.

 

 

You need to regularly check your credit reference files for changes.

 

 

Vigilance is need as none of these companies are trustworthy.

[dazzaman12]

with it been six years and three month old they may leave it be now.

fingers crossed

 

 

still nothing showing on credit report either

[BRIGADIER2JCS]

with it been six years and three month old they may leave it be now.

fingers crossed

 

 

still nothing showing on credit report either

1

 

 

Just be vigilant Satan's can be devious.