robinson way and santander bank charges debt help needed

[dazzaman12]

hi everyone ,

 

when you could claim your charges back from your bank

 

I sent in my request to do so but due to the court hearing in 2009 everything changed so I didn't pursue it .

 

ive received a letter today from Santander saying they handing my account over to robinson way .

 

Santander closed my account years ago and

 

I have not made any activity with the account since 2007 and that was only to try and claim my charges back.

 

the question I am asking is ,

 

is this debt statued barred ,

 

should I try and retrieve the charges again.

 

any help would be appreciated

[dx100uk]

if they are prior to 6yrs from today

a very hard job.

 

is this on your CRA file

 

and has it been sold or are robbersway just collecting?

dx

[dazzaman12]

it was back in 2007 when I was trying to claim my charges back and playing the waiting game and

 

I havnt used it since or from then the account

 

in the letter it just says their associates robsonway will be dealing with the account and all correspondences should be made to them

and that they(Santander) wil still try and come to some affordlable payment plan.

 

as I have said

 

I havnt used the account since 2007

 

they kept on sending some kind of statement every six months with what I owed ,

 

it was just a piece of paper with the amount on and account number

[dx100uk]

is this on your cra file please?

 

dx

[dazzaman12]

I think it still is yes i havnt checked for quite some time

[dx100uk]

go check noddle

 

dx

[dazzaman12]

hi ive checked report

 

its saying

 

start of default 21.3.2008

 

account start date 6.1995

 

thanks for all the advice your giving me

[dx100uk]

a default can be issued anything upto 3-6mts after they consider you should have paid. [missed payments]

 

I think you need to sar satans bank and get the statements.

 

dx

[dazzaman12]

a default can be issued anything upto 3-6mts after they consider you should have paid. [missed payments]

 

I think you need to sar satans bank and get the statements.

 

dx

i still have all the statements they keep sending out.

when i was claiming my charges back i didnt hear a peep from them then out of the blue in 2009 i started getting a statement if you can call it a statement ,just a headed piece of paper with an amount on which is what they claim i owe

[dx100uk]

ok so from the period around 6yrs ago

look at your statements and determine YOUR last usage in or out.

 

dx

[dazzaman12]

this is the letter I was sent .

I don't understand why they have waited all these years to send a letter like this.

I will check the statements but im pretty sure I stopped using the account before the date they defaulted because I started my claim in 2007 for my charges

[dx100uk]

you need to convert uploads to pdf

if you cant click and read the attachment, we cant either.

 

that's a std PC generated autogram.

 

they leave account till near SB to be able to collect the maximum interest.

 

dx

[dazzaman12]

hi again

 

ive checked all my statements and

 

the last time any money was put in was in November 2007 I moved banks then.

 

ive also still got the letter they sent me in august 2008 saying they are keeping me updated

and that they are awaiting the results of the test case and

 

if I was in financial difficulty to fill in the attached form

 

does this count as activity on the account

 

and what should I do when robinson way start contacting me

[dx100uk]

you certainly should NEVER answer the phone to a DCA for ANY DEBT you have

 

the hardship letter return will act as ack of the debt

 

so to be honest I think this is statute barred

 

you could always send the SB letter

 

its for THEM to prove it NOT SB's

not for YOU to prove it IS.

see what happens sit on your hands for now.

 

dx

[dazzaman12]

you certainly should NEVER answer the phone to a DCA for ANY DEBT you have

 

the hardship letter return will act as ack of the debt

 

so to be honest I think this is statute barred

 

you could always send the SB letter

 

its for THEM to prove it NOT SB's

not for YOU to prove it IS.

see what happens sit on your hands for now.

 

dx

Thanks dx for all your help i will wait and see like you say .

i will keep you posted if i hear anything

[dazzaman12]

hi dx got my first letter from robinson way stating they are collecting on behave of their client Santander and should contact them to pay up or set up a payment plan.

as the default is with Santander ,should I ignore them or contact them telling them the account is in dispute and deny all knowledge of the debt as it is charges

[dazzaman12]

hi everyone ,

I got in touch with robinson way and told them I am disputing the account and

they got back in touch saying they have stopped all collection proceedings and referring back to their client.

 

I have received a letter today stating

 

further to your request for a copy of the agreement for the above account

please find enclosed releavant documents for your attention

 

please note if an original credit agreement was not available,under the consumer credit act ,a reconstituted copy may be provided

 

as this account is overdue for payment

,please now contact us with your proposals for the settlement of your account within 10 days.

 

I didn't ask for a copy of agreement ,

 

I disputed the money saying it was all charges and don't acknowledge the debt as it is six years old

(default on the account was 8th march 2008)

 

im at a loss at what to do ,

 

if any one can help me or any advice they can give ,

 

it would be really appreciated.

[dx100uk]

why did you contact robbersway

 

they don't own the debt

they can do nothing to you.

 

dx

[dazzaman12]

hi dx ,

I suppose because I thought that is what I had to do with them acting on behalf of Santander .

 

should I send the do not recollect this debt letter again or statute barred one.

 

I thought I had heard the last of it when I sent last letter as I heard nothing from them for a month and half.

 

also is it like you said the default would be at least three month previous to the actual default on my credit report?

 

and thankyou for all the help and advice you are giving me

[dazzaman12]

hi everyone ,

 

I had an account with Santander and

 

due to redundancy and time it took to get another job

I ended up with quite a lot of charges on my account

and like everyone else at the time

I tried to claim them back and again like most got no where because of the court ruling.

 

Santander closed the account and I never heard a peep from them until

 

a few months ago when I got a letter from robinson way demanding I pay the money on the account.

 

I sent them the dispute letter and that I don't recognise the debt and

 

a month and a half later I received another with an attached piece of paper with my name and account number on it from 1995 when I changed address

and that I need to pay the amount in 10 days

 

,i didn't ask for this so I don't know why they sent it to me .

 

this account according to my credit report will be six years old in first week in march,

 

should I wait it out or will it be statuted barred already?

 

thankyou in advance for any help anyone can give me

[BRIGADIER2JCS]

They sent the "paper" to attempt to prove the debt is yours in answer to the dispute letter.

Do you know exactly when the last financial transaction was made by you on the account?

Also on what date did Satans bank close the account and demand payment in full?

Default date 1st week in March is good, statute barred in this case will = six clear years (5 in Scotland) with no payment and/or unequivocal written admission that a liability subsists.

 

 

Wait until the end of March then an SB letter to Robbers Way.

[dazzaman12]

hi and thanks for the reply ,

 

I changed banks 2007

 

when I started my reclaim of charges and moved all direct debits to new bank so from then on nothing was going in or going out

and I have denied all knowledge of the debt since /refused to pay the amount as it was all charges.

 

they never renewed my bank card in December of 2007 or sent me anymore statements either.

 

I was told on here that the default date on my credit report is not a true date

as they default it upto three months earlier is this true?

 

do I need to send any letter to robinson way

or should I put up with the harassment until end of march then send statuted barred letter .

 

the 8th of march 2008 is the default date on my credit report

[rebel11]

Hi Dazz

 

Can you clarify, what is this piece of paper? a statement, etc

 

'attached piece of paper with my name and account number on it from 1995'

[BRIGADIER2JCS]

The default on CRA files is just a report on the status of the account.

 

 

Satans will have defaulted prior to the sale of the account, a default notice is sent prior to defaulting the account giving the debtor 14 days to remedy the default, if this is not done the creditor places the default on the account and reports it to the CRAs.

 

 

I my opinion leave this alone until the account is removed from CRAs on or just after March 8 2014.

 

 

Did payments cease in 2007 or later?

[dazzaman12]

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