Jump to content


bananaboy2

robbersway chasing HSBC OD debt - statute barred?

Recommended Posts

Hi,

I recently sent a prove it letter to Robinson Way and they have replied to confirm that they are unable to provide any details of the dispute therefore my account has been marked 'unenforceable'.

 

They have stated however that after 14 days they will resume collection activity.

 

How can I get them to stop please? 

Share this post


Link to post
Share on other sites

You will have to give more details about this debt – especially when it was incurred, the last time you made any payment or acknowledged the debt and the date of any default


Share this post


Link to post
Share on other sites

Hi,

 

The original debt (if it is what I think it is) is with HSBC and defaulted around 2008.

It was sold to Robinson Way at some stage after.

I have never made a payment or acknowledged the debt in any way since it defulted with HSBC and the only correspondence from me was a prove it letter that I sent at the beginning of September 2019

 

they have written back to confirm that they have no proof and the debt is unenforceable.

They sent a debt collector to my door for the 1st time in August this year which prompted me to write the prove it letter

 

I am concerned that debt collectors will call again as they state that even though the debt is unenforceable they will continue collection activities again after 14 days. 

Share this post


Link to post
Share on other sites

In that case send them a reply wanting out them that it is statute barred and accordingly they are prevented by the CONC rules from taking any further action


Share this post


Link to post
Share on other sites

send them our statute barred letter from the debt collection section of our library

 

don't get scare of doorsteppers

as with ALL DCA's on ANY DEBT..

they are totally powerless

and have ZERO legal powers

they are NOT BAILIFFS 

 

 


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thanks both for your help. I’ll send off the statute barred letter on Monday.

Share this post


Link to post
Share on other sites

It's excellent that it's been sold on, that means you can now SAR HSBC, and see if there are any fees you can reclaim. 

  • Thanks 1

Share this post


Link to post
Share on other sites

as you have told robbers way to desist then S21 of the GDPR comes into play so they should be reported if they continue as they threaten to

  • Thanks 1

Share this post


Link to post
Share on other sites

Hi all,

I sent off the statute barred letter but have this morning received a letter back stating that it is not statute barred as I made a payment in 2014 therefore acknowledging the debt.

 

I am 100% sure that I never acknowledged or made any payment of any kind.

 

When I originally sent a prove it letter they were unable to provide any information.

 

What should I do next? 

Share this post


Link to post
Share on other sites

nothing, 

it's quite usual for dca's to come up with some random phantom payment very near the 6yrs limit saying its not SB'd.

 

you could p'haps check your bank statements to prove/disprove this to yourself but without enforceable paperwork they ain't going nowhere anyway.

 

what type of credit is this?

 

dx

 


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hi, they are saying it is an overdraft which defaulted in 2009.

They have already confirmed in writing that they have no proof that the debt is mine and therefore it is unenforceable.

 

In the next letter they are claiming that I made a payment if £600 in 2014 and therefore it is not statute barred.

No payment was made by me and contact was not made by me at anytime since 2009.

Can I make Robinson Way stop harassing me?

Share this post


Link to post
Share on other sites

OD's are notoriously difficult to litigate and in the same breathe defend against, the only tool you have is to ignore them.

until/unless they issue a letter of claim.

 

have you the statements for that period?

 


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

I have been banking with the same bank for many years so I’m sure I would have access to the statements from that period.  I will take your advice and ignore for a while and see what happens.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...