Robinson Way chasing an unknown debt

[Loki73]

Hi all

 

I need a little advice on something that cropped up on my credit report awhile back. After noticing a default being registered from Hoist Portfolio Holding 2 Ltd for an alleged debt for £3,194.00 I entered a dispute with the credit reference agency to gather further information (Noodle.co.uk) I was told it was for a Santander account.

 

Firstly I have never had an account with that bank or any financial association in any form at any time. The claim is the account began in 2004 and defaulted in 2011. This is blatantly untrue as previously stated I have never had an account with this bank and certainly not during this stated time period. I did however have an account with the Abbey National Bank, but I'm sure I left that bank in 2000, and certainly never had a debt that I can ever recall. I know Santander took over Abbey National in 2004 (after doing a little research), however I had left the Abbey long before this happened.

 

I have since just received a letter from Robinson Way stating I owe this money and that it is for a Santander account. I deny I owe any money to Santander on the grounds I have never held any account with them and the nearest association I can reasonably find is from the Abbey National Bank which I left in 2000. Surely this debt doesn't exist, nor can I be harassed for a statue barred debt that is over 15 years old (if it even exists in the first place).

 

Is there any action I can take that will get this default removed from my report, and also any action I can take against Robinson Way for maliciously damaging my credit report?

 

Many thanks

 

Phil

[renegadeimp]

Send the prove it letter found here. http://www.consumeractiongroup.co.uk/forum/showthread.php?387363-You-know-nothing-of-the-Debt-Prove-It-**Updated-21st-April-2014**

 

Or a better idea is to simply ignore them.

[Loki73]

Thanks for the reply, I'll certainly be asking them to prove it. Unfortunately as they have put a default on my credit report I can't ignore them as this is having a detrimental effect on my credit rating. I am furious that they are allowed to do this!

[renegadeimp]

If theres a default, contact the CRA's and put a notice of dispute against it. Theyll contact the dca for more info. But for now, until you have clarification, dont contact the DCA. Most of the time, they throw on on there out of spite, even though they are NOT allowed to do it. Especially if that default wasnt there before. Only the OC can put a default on your file. Not the new owner. If you have a historical copy, then you are on more solid ground as you can show it wasnt there previously and theyve added it. Indeed, if it was there, it would have been there since 2011.

 

If this is the case, then when you challenge the DCA, they will usually back right down, as there was no debt, theyve placed an incorrect marker and if the debt was there, then theyre chasing a SB debt anyway and putting an incorrect marker.

[dx100uk]

I would suggest satans bank placed the default before selling it on.

 

 

go phone satans bank and find out

I suspect they put or you had? an overdraft

and it took all those years to 'fill it up'

by whatever annual charges the account had

then they defaulted it in 2011 and sold it on.

 

 

its now approaching 6yrs SB date

and robbersway wanna fleece you before it does.

[ericsbrother]

moved house in the last 15 years?

It may well be that having found someone with a similar name to a debtor they are after

they have just made the assumption it is you and not applied due diligence.

 

 

Once you have chewed the dca a bit you may need to let Satan know that they have made a big mistake

and that you will be seeking rerstitution should they not correct things,

apologise and make good your losses on dealing with this matter.

 

 

If you think it may be you they were after then you will need to do a SAR to them but see what the DCA does first

[Loki73]

There certainly has never been a default placed against my report by Santander ever. I've never had any dealings with the bank or any of their financial products. I have moved house several times in the last 16 years, but as I have a fairly uncommon surname I'm not sure how I could be confused with a previous tenant at any of the houses I have ever rented.

 

Still not sure of the best plan of action here, but I will put a notice of correction on file with my credit reference agency and see what that turns up before I get in touch with the DCA

[brassnecked]

Uncommon surname, that is a clue, there may be a couple of others around within say 30 miles of you, so you will all get phishing letters.