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TheSleeplessDebtor

Hph2 ltd/robinson way/ ex RBS tesco debt

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HPH2 LTD/ROBINSON WAY/ EX TESCO DEBT

 

Hello, thank you in advance to anyone that can help.

 

1. In May 2005 I took out a £12k consolidation loan over 3 years.

 

2. In 2007 I ran into money problems and entered into an agreement to pay less per month.

 

 

3. By 2008 I lost my job and defaulted on several payments eventually I just stopped paying anything.

 

4. The account passed through several DCA’s and I tried to negotiate a reduced FFS figure several times however they always wanted more than I could afford so I paid my other debts instead.

 

 

5. The last payment I made was in 2011 and the debt was 6k at this point.

 

6. They continued to chase me for payment and I continued to try to offer settlements to no avail.

 

 

7. In 2014 Tescos wrote and offered me a FFS which I wrote back to accept with the proviso that they confirm in writing that they would not sell the rest of the debt on etc.

 

8. I sent the letter recorded delivery but I did not get a reply to this acceptance letter. They just continued to send statements.

 

 

9. In the last few months I have received letters from Robinson Way showing the debt is now due to HPH2 although I have not received a notice of assignment. I have written to request a copy credit agreement.

 

10. Finally Howard Cohen have sent a notice of pending legal action to which I have responded with a Pre Action Conduct - Request for Information letter.

 

Judging by other posts that I have read this will almost certainly go to court. I cannot afford what they are proposing as they have added so much interest and charges (it’s now up to 10k).

 

The debt is long since off of my credit files and as I have continued to try to negotiate settlements it is a long way off of being statue barred.

 

I really would be grateful for any advice anyone can offer to help me reach a settlement (or maybe in my wildest dreams write off the debt)

 

Yours Sleeplessly.

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you should have kept quiet

 

the idea of all these threat-o-grams from lots of different supposed companies that are infact simply different trading names of the same lot

and they all come out the same printer

 

is to spoof you into thinking the debt is somehow escalating up a chain

 

when its simply a PC and a carefully written program that auto spits out these powerless letters.

 

have ever sent a CCA request?

 

and have you all the statements?

discount=something dodgy with it

esp if the OC made that offer

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Hi dx100uk, thanks for the quick reply.

 

Yes I have got a CCA from a previous DCA and it seems as though it's all there.

 

I have kept everything that I have ever received but not sure if I got everything that I have ever been sent as I did move house a couple of times.

 

I figured that when I did not receive a response to my offer acceptance letter that it was just a ploy for them to get me to acknowledge the debt thus restarting the SB clock!

 

I hope you are right and that this is just a threat.

 

 

Regards Sleepy

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is this an RBS Tesco loan?

 

can you scan up what you received for the CCA return to ONE multipage PDF please

follow the upload

 

you indicate this was a consolidation loan?

what did it consolidate?

poss PPI and or penalty charges to reclaim

or atleast calculate?

 

dx

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Hi DX, yes it is RBS.

The loan was to consolidate other credit cards.

 

I'm pretty sure there is no PPI as a remember asking them to remove it.

 

I also managed to negotiate a freeze on all interest and charges so I don't think there is anything there to claim back either.

 

The interest and fees that I was referring to in my first post is purely what Howard Cohen are threatening me with if this goes to court.

 

I will try to get a PDF of the agreement over to you later today.

 

S

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you say this was a refinance loan

what was the stuff it refinanced and who was the lender of those

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you say this was a refinance loan

what was the stuff it refinanced and who was the lender of those

 

Hi DX, it was for six separate credit cards; Morgan Stanley; mint; barclaycard; household bank; marbles and egg.

 

S

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Robinson Way have acknowledged receipt of my letter and are halting proceedings whilst they respond.

 

HPH2 once again using Robway to handle all of the correspondence.

 

I have set a LBA to HPH2 as I have at last persuaded ICO that their regitration was not in accordance with the DPA by failing to identify a representative within UK jurisdiction

- they are based in Jersey.

 

The response I received was from Robway addressing an earlier LBA against them!

 

dx100uk, despite your previous comments about HPH2's status only Hoist Finance UK and Robway are registered with FCA.

 

HPH2 are not listed as a trading name of Hoist who are their representatives according to the ICO register.

 

It is of note that Hoist Finance claim that all of their income is derived for sources external to the UK (HPH2) according to their Companies Hours accounts.

 

As they rely on UK debts this must be a question I will raise with HMRC.

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Robinson Way have acknowledged receipt of my letter and are halting proceedings whilst they respond.

do you mean re this letter you sent?

10. Finally Howard Cohen have sent a notice of pending legal action to which I have responded with a Pre Action Conduct - Request for Information letter.

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do you mean re this letter you sent?

 

Hi Ford,

yes robway sent me a letter stating that they had halted proceedings while they contact Tesco for the information.

 

After all this time they have sent me a photocopy of the signed application form but it is completely illegible, which they somewhat admit to in their letter and tell me to contact Tesco if I have any queries with it.

 

They have also attached a computer print out of all payments which puts my last payment to Tesco in Sept 2012 which means the debt will be statute barred in a few months.

 

They have given me 30 days to respond.

What do you think I should I do now please?

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