Santander, Moorcroft and Robinson Way

[LDN82]

When i was a student in leeds i had a credit card, which i used to survive on when the company i worked went into liquidation. When i was unable to make the normal payments back i arranged with Santander to pay back what i could, which was all fine.

 

However, Santander begun to get hot and heavy due to the fact i paying only small amounts (still always paying), then, for some reason, Santander passed it on a debt collectors, which i was told was the new protocol and how they were handling my account.

 

Sooo, i began paying Moorcroft, the same amount, each time being asked if i could pay any more than i was (more pushy than Santander), which i said 'No, i couldn't'. After months of paying and paying, never arguing, never missing a payment (this was money i KNEW i owed), Moorcroft told me that Santander had called back in all their debts and they would contact me in the next steps of how i could pay them.

But then nothing.

 

Santander never contacted me.

 

I have a Santander debt account, my money goes in, i used Santander to pay bills, to this very day, but i heard nothing. i contacted them, told them everything, the lovely woman on the phone could not find me, i didn't have a credit card with them, it showed i had but not anymore, she tried to help and the best advice she could give was just see what happens, so i have.

 

2 and half years later i got a letter today from Robinson Way with far more blown out amount them i owed (about a thousand more, actual amount being a thousand, again, no denying i owed it, i paid rent and survived off it during a very hard time).

 

Currently i am confused what to do, i want to pay this off, i want this gone but if i contact anyone within Robinson Way they will begun contacting me and keep contacting me (Moorcroft would do this alot, pleasant phones asking if i could pay them).

 

What i want to do is pay the amount i owe, not the amount which has grown from Moorcroft and Robinson Way.

 

Am i alone in this?

 

I do not want to be a criminal, but i am frightened to how to deal with this all.

 

Can anyone help and advise me in any way?

 

Thank you.

Edited October 30, 2014 by citizenB
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[citizenB]

Summary..

 

You had a credit card with Santander - they passed it on to Moorcroft to collect.

 

It was then returned to Santander. I suspect that Moorcroft were only acting as collection agents.

 

Robinson Way now appear to be on the scene. Do you know if they are acting as collection agents, or have you received a Notice of Assignment ? A letter advising that they now own the account ?

 

The debt appears to have grown over the years - despite your having made payments towards it.

 

Do you know if Santander ever ceased adding interest or charges on the account ?

 

It would be in your interest to send a Subject Access Request to Santander (Head / Registered office) - it will cost you £10.00 and they have 40 calendar days in which to respond.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request

 

What you are looking to receive is :

 

statements for the entire duration of the account.

Communication log, (a diary of events) showing what has been going on with the account.

 

You should be able to reclaim any default/penalty charges that have been applied to the account

Do you know if you were paying for Payment Protection Insurance ?

 

Debt is a CIVIL matter, you will not be a CRIMINAL because you have found yourself with a financial hiccup!

 

You are entitled to a full accounting of how the debt has increased.

 

You should not telephone Robinson Way - send a letter to them advising that you require a full account history as you believe they have been given the wrong balance.

[LDN82]

Thank you for your help and advice, am currently trying to resolve this by contacting santander via the subject request form.

A day after the letter from Robinson Way i reserved a letter from santander stating that my account has been 'sold' to Hoist Portfolio holding Limited...which is very confusing because how could they sell my account, they wouldn't let me pay, they've not contacted me in being able to pay (which i tried to) and now its been sold on.

At the moment i am not as frightened of the situation, because there seems to have been a lack of information given to me and decisions have been made without informing me. My only worry now is that being able to prove that i've not been contacted is difficult, i have no letters and no information and that that is all i can prove, my basic lack of forwarded information to allow me to remedy the situation like i wanted to from the start, no matter how long it took i wanted to resolve it fully:???:!

Again, thank for you help and guildance.

[SabreSheep]

I note this is a credit card.

 

That means charges are reclaimable along with interest in restitution.

What If you didnt owe ALL the money after all?

 

First off, no phone calls any more.

 

Second as advised CCA Satander

 

Third you only need to communicate with the "Owner of the debt"

[Water Dragon]

Reading your account of what has happened to you, sound very similar to what is happening with my son. Can you tell me what is best to send to Robinson Way. A CCA request or SAR request? And I gather no more telephone conversations. Have you been able to get anywhere with any of this?