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Robinson Way have bought my Santander Debt


Schmidlin
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Hello, I'm posting this for a family member as they're not very computer literate and need some advice.

 

They have received a letter from Robinson Way regarding a debt that they have not been contacted about for the last 7-8 years,

it wasn't a debt they were hiding from, but couldn't afford to pay at the time, they then moved and obviously heard nothing for the above time period.

 

I told them that it is over 6 years old now and should be statute barred (is that said correctly?)

Is that correct,

 

 

do they not need to worry about it anymore?

 

Any help would be appreciated.

Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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You say they have had no communication from either the original creditor or the new owner of the debt for over 6 years ?

 

I would say definitely statute barred.

 

What type of debt is this ? Credit card / unsecured loan/ overdraft / ??

 

Your relative should try to establish the last date they made payment to the account - they could check their credit records and see if it still being reported to the files.

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If it is any of the above, and your relative is absolutely certain that no acknowledgement of liability (in writing) and no payment have been made for well over 6 years, then they can send the letter linked below. Under no circumstances should they telephone Robinson Way.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred-**Update-21st-April-2014**

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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He says he has had no contact in writing for at least 7 years,

 

 

the debt itself is made up of charges for them paying out items on his account that he asked to be stopped

as there was no money going to be going into the account any longer.

 

Should he just ignore it then or send the letter on the previous post?

Barclaycard-Reclaimed all charges-A/c Closed

Burtons-Reclaimed all charges-A/c Closed

Citifinancial-Default removed-A/c Closed

Halifax-Reclaimed all charges-A/c Closed

Capital One-Finally, Default removed-A/c Closed!!!

:roll:

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if their credit file is clear of the debt and all old addresses are showing

 

 

then pers I'd ignore the fleecers unless they get a claimform.

 

 

its better to ignore than invite letter tennis.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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