Jump to content


  • Tweets

  • Posts

    • Yes - Possibly as the access to the £16k of savings etc was restored after so long.  But its unlikely if HSBC can provide a letter of culpability for the issue. 
    • CEO Complaints / Customer Relations Complaints take between 4 & 12 weeks to resolve at present. This is why if you deal with Currys at the moment, you'd better pray that it goes well.  Exec complaints are normally dealt with in about  3 days normally.
    • This time you need to reply, as a Letter Before Claim is a formal notice of intent to commence legal proceedings.   It is also a fishing exercise by Minster Baywatch to try to find out who will just roll over and who would be bad news for them in court.  You need to be in the latter category.  Thus a snotty letter ridiculing their claim and showing you're genned up with the law.    Forum regular Ericsbrother has drafted loads of these "snotty letters" over the years, dx is suggesting to have a search of such letters, see what would be appropriate for you, and post a draft up here.
    • First of all, are you sure you have a ticket for doing 34mph? That would be most unusual as the guidelines issued by the National Police Chiefs’ Council suggest action is not taken below 35mph. All police forces in England & Wales usually comply with those guidelines. It doesn’t particularly matter. If you have five tickets you have five tickets. It’s just that I have heard a number of reports of drivers seeing action below 35mph but have never seen a substantiated case. So it’s only for my own interest.   The first of your offences should qualify for the offer of a speed awareness course (provided the offences were not in Scotland and you have not done one for an offence which occurred in the last three years). But you may not choose to take that (see below). For the next three you should be offered a fixed penalty (£100 and three points). After that it gets messy. With nine points you will not be offered a FP (or if you are you cannot accept it). Your matter will be dealt with in court and you will face a “totting up” ban of six months. In order to avoid a ban you will have to argue that “exceptional hardship” will follow for you or others if you are banned. Of course everybody can expect to suffer some hardship if they are disqualified. The clue is in the name – the hardship has to be exceptional. That is over and above that which most drivers might suffer.   From your brief description of your condition it seems you may have the making of a successful EH argument. It would certainly help your case if you could get some medical evidence of the difficulties you face if you are not able to drive. If you’re going to argue EH (and these are not “mitigating circumstances” – that is something different) you may find it beneficial to decline the offer of a course. If you’re going to face a ban for twelve points you might as well face a ban for fifteen and going to fifteen would leave you a course “in hand” in case of any future offences. If your EH argument is successful you will leave the court with 12 or 15 points; any further offence will see you face a totting up ban again and you cannot use an EH argument using the same reasons within three years.   First things first – you need to respond to the requests for drivers details that you have (failure to do so sees you commit a separate more serious offence). I would see what you are offered. The first decision will be whether to accept a course or not as I have explained above. Only when you have accepted three FPs need you worry about having any remaining charges heard together.   Let me know if I can help further.
  • Our picks

robbersway letter re old santander OD debt - shall i Start repayments after 4+ years of no contact?


Please note that this topic has not had any new posts for the last 459 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi guys,

 

In 2015 I got myself into a pickle, I had an overdraft that just kept building up until it reached £1500.

I couldn't afford to pay it, I was  a student at the time and spent the next few years in and out of work.

So here I am in 2019 wanting to clear some of this stuff up.

 

I'm not sure exactly when I defaulted but I hadn't responded to notices from the DCA's.

However I've received a letter last week from Robison Way saying that they're deciding whether to send someone to the house and I wanted to save them the hassle by paying a monthly repayment. 

 

I'm just confused as how to start and if it's going to open a can of worms? I

don't believe I have a CCJ as my Experian/Callcredit (noddle) shows no debts but I'm going to check experian this week.

 

By me making payments will this avoid any CCJ action in the future?

 

Thanks for reading.

Link to post
Share on other sites

what are you mad...

 

a dca is not a bailiff

and has

ZERO legal powers on any debt.

 

 

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... 

Link to post
Share on other sites

Hi there,

 

I meant I wouldn't want it to escalate to possibly getting a CCJ and I'm wondering if it's even worth responding or paying repayments just to avoid any hassle.

 

As mentioned all my credit reports are clear just waiting on Equifax

 

Thanks.

Link to post
Share on other sites

Full history please

a doorstepper is powerless...

 

 

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... 

Link to post
Share on other sites

 

Hey,

 

Received a letter from Robison Way on the 14/08 for collection of Santander bank which is now £1500.

No record on any report but guessing it's on Equifax being the one I've not checked.

 

The letter says they need to contact me to discuss how to work out to find an affordable payment plan and that the account is now with the reconnection team who will begin to review my case to determine if a visit may help reconnect with them (I liked their use of a mild threat with 'reconnecting us')

-

Nothing would have been paid/written by me for at least 4 years and if it is a default it may even be older than 2015.

 

Thanks again

Link to post
Share on other sites

have you moved since you last paid this an never updated satans bank upon you new address or since its been sold to hoist?

 

dx

 

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... 

Link to post
Share on other sites

If you don't update you're address in writing, each time you move you are playing Backdoor CCJ Roulette. I wouldn't worry about some idiot from a DCA knocking at your door, but I would write with my current address, immediately , today.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Thank you.

I updated the electoral roll as soon as I moved to my current address.

And the DCA have been sending the letters here, so by writing my current address who would I be sending this too?

Link to post
Share on other sites

Whoever is sending you letters, Robinson way. There should be an address on there. Use free proof of posting available from the Post Office, make sure you keep the receipt.

 

Just need to put, your account number and name, and ' I have now changed address to xxy etc'

 

Do not under any circumstances call or email them.

  • Like 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

can we check who robbersway state is their client please??

if its hoist then you need to write as the debt has been sold to a DCA backdoor CCJ dangers here

as you should with any other debts outstanding that you paid or last used within the last 7 yrs say.

 

just because you are on the electoral roll doesn't prevent legal action to an old address if the debts been sold on

its how DCA's get 99% of CCJ, 1st you'll know is the court bailiff at your door or refusal for credit 

  • Like 1

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... 

Link to post
Share on other sites

Thank you for the help.

 

I admit this is where I get a little confused, so even though they have my new address I still send them it as 'proof'

is there anything I need incase it comes back in future or is proof of postage usually enough?

 

Does this usually give them more reason to hassle you?

 

And I'm guessing because I've not acknowledged anything aside from my new address nothing has changed?

 

 It says 'HFUKH2HL' which I'm reading is Hoist. I'll get letters sent out.

 

Thank thanks once again.

Link to post
Share on other sites

Crazy as it sounds, a judge would see your lack of communication as evidence of you trying to avoid your debts therefore you would have no grounds to set aside any backdoor CCJ.  

 

That's why you need to keep them informed

Edited by London1971
  • Like 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

nothing to be confused about

they don't have your new address

they've sent a phishing letter to see if you'll respond

if you don't they'll issue a letter of claim to the last address you let the original creditor know about

them 30 days later will raise a court claim and win by default.

 

 

  • Like 1

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... 

Link to post
Share on other sites

I'd agree, this is why I wanted to start to pay at least something to keep them from going there.

 

So it's then worth me updating my new address regardless?

But wouldn't they then send a court claim so wouldn't it be best to offer something to pay, or isn't that how they work?

 

So what would be my best move here?

 

Thank you once again

 

Link to post
Share on other sites
  • dx100uk changed the title to robbersway letter re old santander OD debt - shall i Start repayments after 4+ years of no contact?

your best move here is to get reading up on CAG 

no don't start payments no .. you'll reset the sb date when p'haps nothing is owed at all or nothing they'd successfully litigate over.

 

bank OD debts are notoriously difficult to secure a CCJ on if defended properly as they in most cases generally consist of penalty charges for breaking some limit or other rule and the associated interest these attract, and the authorities are down on record as stating such charges are unlawful etc etc.

 

the debt buyer [hoistuk] paid about 10p=£1 for the debt bit will ofcourse chase the whole sum hoping to find a mug that pays!!

or as in your case send 1 letter to the current cra file address then be smiling when they don't get a response as they know they'll get a default backdoor CCJ for that full amount [tidy profit here -even bigger smile] because no human ever checks anything its all automictic.

 

some 750'000 CCJ's are issued every year.. 85% are successful because they are backdoor.

 

paying a dca does not stop them doing court, 

 

as this debt is not showing i'm wondering if your dates could be slightly wrong and in fact the OD was defaulted more than 6yrs ago so would now not show on your file anyway?

 

 

  • Like 1

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... 

Link to post
Share on other sites

Thank you.

I'm still awaiting access to Equifax, the other 2 CRA are clear then I'll be able to see some dates hopefully.

I

've been frantically reading the forum this morning and finding it all very interesting, and the amount of profit these guys make must be crazy. £1 for my debts? Dear Lord.

 

I'm sure it wouldn't have been over 6 years years yet.

 

I'll continue my reading and wait for my Equifax report.

 

But in the mean time you're saying I shouldn't make a move yet or send anything?

Link to post
Share on other sites

just type no need to hit quote.

makes a topic twice as long

 

no you must reply 

and do the same for any other debts that meet into post 11

 

all credit files are free online

not sure why you are having to wait???

 

  • Like 1

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... 

Link to post
Share on other sites

Ok, thanks. So send that letter mentioned above about my new address. And just having proof of postage is enough to 'hopefully' defend somewhat against any backdoor CCJ, as you put it?

 

From your experience do you usually find updating the DCA's makes them rub their hands together or do they by now know that this is done to stop them from the backdoor tactics?

 

*Equifax need to verify me before I access my files.

Edited by Ohhimark
Link to post
Share on other sites

you cant defend against a backdoor ccj..you don't know about it happening 

think about it......

 

which would you prefer...one you cant defend against

or one that MIGHT happen on a debt they will probably fail to win on....IF IF IF they ever did issue a claim....

 

don't get your logic….

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... 

Link to post
Share on other sites

My logic was that if they decided to go for a 'backdoor CCJ' I'd have had proof I sent them a change of address. Which is what I was asking, is that receipt of postage enough if I later found out 2 months down the line by looking on Experian I had a CCJ but I did in fact inform them of an address change.

 

I'm getting the letter sorted now.

 

I'm guessing they're sending letters to the new address because it's the only way they'll make some money if I decided to pay (hopefully for them) but sneakily sending letters to the old address as a failsafe for a CCJ..

 

Cheers

Edited by Ohhimark
Link to post
Share on other sites

they cant go for a backdoor ccj once they have your new address details...

pop is good enough, you don't have to prove you sent it but yes that's what we recommend...

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... 

Link to post
Share on other sites

Thank you once again! I'll get this done ASAP.

 

One last thing, you said it's better to be in this position when you can defend yourself. After they receive this from me shall I expect to get an onslaught of communication as I'm guessing they'll feel this is me acknowledging them somewhat?

 

/Back to reading the stickies.

Link to post
Share on other sites

no you are simply informing them [and the others id you need too]

of an address change.

 

they and any other debt/dca would now have to abide by the PAP rules

and send you a letter of claim giving 30 days.

that they might be thinking about a court claim.

you ignore everything else until/unless you get a PAP LOC

 

where as before you'd get nothing

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... 

Link to post
Share on other sites

Brilliant, thanks. Is it ever worth saving time in the event they did want to send a claim through by asking the original creditor for the SAR? Rather than doing it within the 30 days or am I jumping the gun?

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...