Help needed please with Robinson Way

by codtree Sat Mar 16, 2019 4:26 pm

Hi Hope I can get some help with this please back in 2016 I had an alleged debt of £1595.23 with O/C. This was passed to Robinson way and I did the three letter process. This then resulted in them sending me a letter stating they have sent the debt back to O/C. A while latter I had a letter from another D/C and again I completed the three letter process and heard no more. This month I received a letter from Robinson Way stating that if I dont contact them in 14 days my account will be to Howard Cohen and CO for legal action.

I contacted Robinson Way and told them they had sent a letter stating debt had gone back to O/C. All they said was they received this debt again in October 18.(this account has a different ref no from when they first had it) I told them I was going to dispute the debt and my account is on hold while I respond to them. I need to know how I should go foward, Do I just do the 3 letters again?

Also I checked on CRA and the O/C is not on my credit report either as open or closed. Any help would be greatly apreciated. Thanks in advance

by waylander62 Sun Mar 17, 2019 1:19 am

check the latest letter to see who is allegedly the owner of the debt, lets see if it has been sold

it may be a different reference number but the a/c number should be the same, check that out too.

do you recall the last time you made a payment to anyone for this debt ?

by codtree Sun Mar 17, 2019 5:17 pm

by codtree Sun Mar 17, 2019 5:21 pm

The account number, which is the O/C credit card number is the same on both letters. Non of the letters say if it has been sold to them or if they are an agent. I have requested this information from them. The last payment was in 2015 to the O/C no payments have ever been made to the DCAs, uploaded the letters if that helps. Thanks for your quick responsr it is much appreciated.

by waylander62 Sun Mar 17, 2019 7:46 pm

you need to ascertain what robinson way's standing in this matter is

are they acting for the original creditor ?

are they now acting for a DCA who have purchased the debt ?

or are they themselves alleging to be the owner of the debt ?

i would write a simple letter to them asking them to verify their standing in this matter so that you are able to make an in formed decision on how do deal with this. Until you are in receipt of this information it would be impossible for you to make an informed decision on how to proceed.

keep it simple.

that is what i would do and indeed have done in the past.

by codtree Sun Mar 17, 2019 11:08 pm

Thank you so much for your help I will fire off a letter to them and post back the reply. Peace to all.

by codtree Tue Mar 26, 2019 5:33 pm

OK So I got the following response from them (edited out personal info):

We can confirm that this account relates to CC account, which was opened 2012 and defaulted 2015. The last payment received by the original creditor was 2015.

Robinson Way received this account October 2018 and are servicing the account on behalf of Hoist Finance UK Holdings 3 Ltd who are the legal owners of the debt after purchasing it from O/C.

In the absence of any further queries, we would now require you to contact us with your payment proposals towards this account.

To assist you with this, please complete and return the attached financial statement. Alternatively, you can visit www.robway.co.uk and complete a financial statement (use My Account and Offer Options).

by waylander62 Tue Mar 26, 2019 8:01 pm

so we now know that hoist have bought the debt.

the next letter you receive will likely come from howard cohens solicitors

personally i would send a SAR off to the OC to see what they have, do you yourself have any original paperwork ?

by codtree Tue Mar 26, 2019 8:31 pm

Yes I do I did the 3 letter process with them I have everything O/C sent, Letter of arrears, default sum notices, letter to say they have sent it to Credit solutions.In fact there are 2 default notice letters one in March 16 and one in April 16. Had only one letter from Credit Solutions which I didnt respond to it then went on to Roson Way. Then to Westcot and then back to RW where it is now. I have all paperwork I have been sent. So Sar is the best way then, Should I notify R/W that that is what I am doing? Thanks

by waylander62 Tue Mar 26, 2019 11:42 pm

no a SAR is non of their business

the information is for you only, defaulted in march 2015 but no default notice until a year later ?

i would like to see the default notices if poss, if you wish to keep it off the main site you could put it in a PM ?

i would send a SAR to the OC and probably wait for howard cohen to write to you

by codtree Thu Mar 28, 2019 8:56 pm

OK thanks so here are the letters, sorry I didnt read one fully so I have only one actual default letter I think. I also found the account on a different credit report from the one I normally send please see below. Dont know if it helps but it shows account settled. Just thought I would post it anyway. I will get the SAR sent off to O/C. thank you for your continued help it is appreciated.

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