cl finance, robbersway & Lewis, old HSBC loan

[jj itch]

I received a letter today from Robinson way, asking me to ring them,

 

like a fool I did but did withhold my number,

 

I did do a security check,

they advised me I had a debt for £11k outstanding with the Lewis group, or HSBC ,

 

this could relate to a loan I had years ago in 1999, for about £2000

 

I did default on the loan, but was paying a £1 a month,

 

I never heard about for the loan for a long time,

but now I had this contact from Robinson way asking for money,

 

I told them on the phone they can forget it, as no way do I owe that much.

 

What should I do as I know they will keep bothering me now.

 

Please help.

[silverfox1961]

Hi

First of all, go and sit in the naughty corner. Ringing them. Tut tut!

 

Do you know how long it has been since you made any payment to the debt?

 

When they ring again, just say, 'In writing' and hang up.

 

If they are persistent, you can send them a telephone harassment letter from the library.

 

You could also send them a CCA request.

 

With any letter sent, head it with,

 

"I acknowledge no debt to you nor any company you claim to represent."

[Guest]

looks like maybe something has been sold on to them?

as silver, maybe a prove it/cca request type letter incorporating comms in writing only and no visits?

have you rec'd any notices of sale/assignment? default notice, if applicable? any poss missold ppi?

[dx100uk]

have a gander at your credit file first

 

does anything show?

 

dx

[jj itch]

No nothing showing on my credit file

It is a long time since I had this loan

Can you still claim ppi even though Robinson and way own debt or they say there is 11,000 owing I am not sure how.

I realise big mistake ringing Robinson and way, did withhold my number

[Guest]

maybe then to do a prove it type, see what this is about. and if was re a 2k loan, why now 11k?

what about a sar to an original creditor?

[jj itch]

Ok May try that, I am on a debt management plan with payplan and I think they maybe able to help

[Guest]

oh ok, you're with a dmc. you should've mentioned that!

they should've sorted things out for you (with any interest frozen), also re the correct amount, in the first place. ask payplan for details where your payments have gone, account statement etc, and to sort it out.

also consider a sar to the original creditor?

[jj itch]

Ok thanks

[dx100uk]

not being funny

 

but you've been asking the same basic questions

on numerous debts for 4 yrs now

 

each time you are told to go get a CCA request

or dispute the debt

being paid via CCCs/stepchange/payplan.

 

but each time you just seem continue to pay your £1 via them

 

about time you took control of things.

 

dx

 

 

dx

[jj itch]

I believe this debt was no more,

 

I believe it was with midland bank,

 

but I was sure after I had defaulted years ago,

 

I had paid it off and

 

now Robinson and way say they own it and it is for 11,000

 

but I have never received any correspondence until today regarding this debt,

 

I payplan are dealing with my other debts but not this one as I thought it was gone

[jj itch]

I have taken control of my debts I am on a dmp paying a £100 a month and I have cleared over £5,000 of my debts,

 

but now Robinson and way are saying they are chasing this debt for £11,000 which I believe was settled years ago.

 

I did write to numerous companies for the cca so I have taken advice here.

[dx100uk]

what also meant was you should be a master at this by now too...

 

lets get that figure down some more then...

 

:lol:

 

could be midland bank

I take it you are not paying them anything thru the DMP

 

which in my humble opinion you should dump!

 

dx

[Guest]

is it included in your dmp? if so, they should only be communicating with payplan.

ask payplan for full details of yr plan, including payments to creds, interest, etc. ensure no charge for that info.

if this is separate, do a cca request/prove it. could do one anyway.

also, if can spare a ten, consider a sar also.

[dx100uk]

who do you think you paid this off too

 

not another fleecing dca I hope?

 

dx

[jj itch]

I believe this debt was cleared and was midland bank,

 

I have messaged payplan regarding this, but I won't be paying Robinson and way anything ,

 

I will request a cca, but they did not give me an agreement reference,

so may have to wait until they write again

[Stigman]

I will request a cca, but they did not give me an agreement reference,

so may have to wait until they write again

 

Before asking for a copy of any agreement, just enquire with your DMP what the status is or was regarding HSBC.

 

You do not need the original agreement number for a CCA request, just send the CCA request to Robbers Way with Robinson Ways's collecting reference number and use this on the template letter.

 

Stigman

[jj itch]

Before asking for a copy of any agreement, just enquire with your DMP what the status is or was regarding HSBC.

 

You do not need the original agreement number for a CCA request, just send the CCA request to Robbers Way with Robinson Ways's collecting reference number and use this on the template letter.

I

Stigman

 

I have contacted dmp, will see what they say before I proceed

[psyduck]

You need to send the CCA request ANYWAY to confirm that they have the right documentation and that the debt is enforceable. Why add another debt onto your pile when you may not have to pay it?You can contact DMP and send a CCA at the same time, it's not illegal to multi task!

[Stigman]

You can contact DMP and send a CCA at the same time,

 

The op said in post 12 (Post 12 quote below) that they believed that the debt had be fully cleared through a DMP years ago, that's why I suggested that the op contact the DMP for full clarification on this, if the debt had been fully cleared then no CCA is required and the op can tell Robbers Way to go and play on the nearest Motorway.

 

but now Robinson and way are saying they are chasing this debt for £11,000 which I believe was settled years ago.

 

Stigman

[jj itch]

I have contacted HSBC today about this debt and

 

they said this account had been passed to a debt management company,

 

I noticed in my other bank account that I had been paying a £1 a month to cl finance,

but now Robinson and way own the debt,

 

I am not sure why the total is so much but seemingly interest has been added,

I have requested a copy of cca what else should I do,

[Stigman]

I have requested a copy of cca what else should I do

 

Wait for the 12 + 2 working days to pass (the +2 working days are to allow for postage), if you hear nothing, then write back with the in-dispute letter and cancel any future payments until such time that they comply with your CCA request.

 

Stigman

[Guest]

I have contacted HSBC today about this debt and

 

they said this account had been passed to a debt management company,

 

I noticed in my other bank account that I had been paying a £1 a month to cl finance,

but now Robinson and way own the debt,

 

I am not sure why the total is so much but seemingly interest has been added,

I have requested a copy of cca what else should I do,

 

as posted prior, also check what the debt man co have been doing with it as it is apparently with them, get a statement etc from them? now seemingly sold to robbers noway?