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Robinson Way / Hoist Finance uk Holdings 2 Litd

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Evening all,

Since around May this year I've received a shocking amount of post related to alleged debts against my name,

I binned most thinking the sc@mmers would get bored...

 

tonight I've just had somebody knock at my door saying he was from Robinson Way debt collectors,

I played dumb and said we were not who he was looking for

(with a mouth full of tea and my youngest on hip).

 

He said he'd have my addressed removed from the system,

I know he wont,

I also received a call from them a number of weeks back...

where they got my number I'll never know.

 

Now...

when I was 19'ish (wrong side of 30 now) I did run up some debts,

paid the majority off but moved up and down the country alot with college/uni etc and not heard anything since,

 

in 2010 I bought my own house,

with only myself on the mortgage,

never been denied a credit card/loan and not heard of anything for YEARS.

 

I've googled the companies in the subject which has led me here...

I have three seperate account numbers 'owing' three separate amounts..

.strangely the lowest amount one has had the most mail,

some dated the day after the previous letter was dated?!?!?

 

having read alot of the links google has supplied from here,

there's alot of dead links to letters i should be sending to ask said companies to prove the debt is mine...

.I'm sure the forum gets alot of these requests,

and I do apologise.

 

also, I've checked my statutory credit file with 3 agencies and none of them have a record of these alleged debts.

 

Had I been prepared for this visit I could have handled it better and found out whats going on but,

i didn't - and i don't want my wife having to deal with these people

- whilst he was non threatening/abusing/confrontational

- its not what I want.

 

attached 3 letters with all barcodes/details deleted.

 

any and all help appreciated and will update as and when...

Edited by dx100uk
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welcome aboard to cag.

 

firstly.

I've moved your thread to the overseas debt forum as I can see this is them chasing an overseas debt from Australia?

 

2nd

robbers way or HPH2 or any of the same group, like any DCA ARE NOT BAILIIFS

and have ZERO legal powers.

so that's why I moved it from the bailiffs forum.

 

they are NOT the same thing.

 

can you pop those letters up in one multipage PDF please

read upload.

 

a DCA as said above is totally powerless on UK debts

and even more so :lol: no debts from a foreign land.

 

theres no way they can do anything and it most certainly cannot harm your credit file.

 

and the reason why letter links go dead is because we've removed them

you don't go blindly writing to any DCA without getting your ducks inline

and these ducks don't need lining up.

 

dx


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Evening DX100uk,

 

Mmmm duck, could just destroy some Crispy Duck right now!!

 

That’s another thing I forgot to mention,

I’ve never been to Australia,

when I said I’ve moved round the country, it’s only the UK I’ve moved within...

I thought it was just sca@mers fishing but to send three out of the blue, get a phone call AND a visit,

I’m wondering if it’s any of my old haunts(debts)…

 

but now having read

- these should be statute barred as it’s WELL over 6 years,

had my mortgage 8 years and nothing was flagged with that or any loans/cards since,

always got good rates etc I’m perplexed.

 

Currently on my phone but will reupload pics after bath & bed with the kiddies ����

Edited by dx100uk
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National Australia Bank Group.

 

probably they've just scoured the phone books and picked you're name is close to the debtors one or something.

 

you say you had a visit?

 

this could be fun as id really like to know how they intend to collect on this debt

I know they've been buying up foreign debt portfolios but to even think they could get any money out of people!

but sadly I bet 99% of the population would blindly pay a DCA

you almost did as you assumed? they were bailiffs?


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I have had a visit, about 30 minutes prior to setting this account up... caught completely off guard, being circa 19:20, eating my tea, feeding the youngest and expecting a friend to be stood at the door haha

 

I would never pay anything, or give my details at the doorstep anyway...

let alone something that's not on my credit file or with any company i've had any dealings with....

just startled me with someone at the door for all this

- my wife is a soft touch and wouldn't want her dealing with these.

 

So it seems I should be looking for a CCA to be sending, do I do one for each account number i've been quoted, or all three in one envelope... sounds daft but I'd guess they'd try to snake out of it with a technicality?..

Edited by dx100uk
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3 accounts?

they are all the same sum.

 

 

and no unless NABG lend in the UK , they'll be no CCA for it to even come under


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it looks like there is some link to cyldesdale and Yorkshire banks as the ultimate owner being NAB

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?82349-NAGE-Group-of-Companies


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Three accounts, different sums ranging from £400i-800ish

 

I can see why some will just pay to be done, I've had loads of mail, 4 days one week, the random phonecall and now a knock at the door - each account number is different, each sum is different but all three have from from Robinson Way, then a 'notice of assignment' from Hoist Finance UK Holdings 2 Limited..

 

'Due to' references on different letters state

1: NFUKH2L (EX NATIONAL AUSTRALIA GROUP)

2: HPH LTD (EX NABG)

3: AS #2

 

Just not sure where to go with it, obviously by mail and recorded delivery... but what? currently scrolling the vast amount of information in the stickies on here, going to be a late one I think haha

 

Clydesdale, I finished a 3 year loan last month with them, all paid, ontime with no late payments and have my clearance letter from them too.... the web thickens!

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Moved to Debt Collection Agencies Forum...this is not an overseas debt..have you ever had any connections with Clydesdale Bank ?

 

" Clydesdale Bank becomes independent.Will no longer be National Australia Group in 2016 "

 

 

Andy


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Hi Andyorch,

 

Clydesdale, I finished a 3 year loan last month with them, all paid, ontime with no late payments and have my clearance letter from them and my credit file is good for them too.... the web thickens, however, i USED to be with Yorkshire around the time of my sillyness when younger.. hmmm

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are you beat me to it andy.

i'd guess the original creditor number will turn out to be a Yorkshire bank account number.


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Send them a section 77/78 request for copies of each of the alleged agreements /debts.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

See what comes back....ignore everything else for now.


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Will do Andy, what if they knock again and I'm not home... the wife is 5'2'' and whilst she can put me in my place, she's very soft natured....

 

That could potentially account for my one overdraft I had with them, they may have already been paid whilst I was at Uni, I really don't remember since it's been over 10 years since I had any dealings with debt/collections departments- certainly didn't have 3 accounts with them though.

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well theres andy' suggestion a CCA request for each one

but if they were bank accounts then they'll write back saying not applicable.

 

im wondering if you could send our SB letter to them.

listing all 3 account numbers

and let them chew on that!

 

they certainly seem to have the bit between their teeth if they've send all those letters over a short period and made a home visit.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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To whom should I address it to though? if not Robinson Way or HFUKH2 LTD? Their 'due to/references' etc don't state a name....i 'could' send to Clydesdale/Yorkshire, but it may not be those?

Apologies for the questions...

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Will do Andy, what if they knock again and I'm not home... the wife is 5'2'' and whilst she can put me in my place, she's very soft natured....

 

That could potentially account for my one overdraft I had with them, they may have already been paid whilst I was at Uni, I really don't remember since it's been over 10 years since I had any dealings with debt/collections departments- certainly didn't have 3 accounts with them though.

 

Tell her not to deal with them and close the door.

 

Look you could ring Robbers tomorrow and ask what are these debts...who was the original creditor....etc etc...dont get dragged in though or agree to anything or acknowledge anything..simply ask..if they refuse or cant answer send them the CCA requests....

Andy


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for you ref Robinson Way or HFUKH2 LTD are all the same lot just differing trading names


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Rang them and they wont speak to me without providing my DOB 'for Data Protection', what a load of tosh! So I'll send the CCA, could I not throw in a mention to the Stature Barred element too? (IF they're legit accouts) to save time? or is there a correct procedure to all this..

 

Many Thanks

Mr Subaru

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You could also send the SB letters...does not affect a CCA requests.


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

 

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My letters haven't 'delivered' yet....typical Royal 'pain in the a$$' Mail.

 

But today I received the attached letter... so this DCA is checking my credit file? legit? naughty? I duno...

Doc1.pdf

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It may be your data but the credit reference agency own the file and they will let almost anyone have a look for a fee.

this is the problem, money governs your rights rather then the rights being absolute

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Robinson Way once told me that they'd confirmed I was resident at an address. I replied asking them how they'd managed this feat, given that it was a spoof address that doesn't actually exist (for security forces in NI). They never did get back to me. . .

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Almost forgot about this, Royal Mail lost my tracked letters...but interestingly Robinson Way haven't been in touch since either hmm....

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