Robinson Way - Home Visit

[kelike28]

Re: Robinson Way - Home Visit

It is difficult to know what to advise.

What is your overall financial situation like, are you up to date with priority debts, rent gas water etc, do you have other unsecured debt, also do you rent or own your own home.

hi - i live with my boyfriend, i don't own anything, i don't owe anything either like that (priority debts), just this OD account and an old credit card that had charges and was in dispute some years and never heard from them again, no doubt that will rear its head soon too.

[FlamingParrot]

Re: Robinson Way - Home Visit

I have no idea when the demand for payment of OD in full would have been,

The reason for asking was to establish when this account would be statute barred. As your statement shows payments in 2010, that won't be the case for at least another year.

i remember going through unfair charges with them and being told no chance etc - thinking back i was hoping they may have paid me something to enable me to clear this OD and that be that. i don't recall default notice or any other changes in ownership of my account until recently. How do i go about all this now? I think i have read it isn't the same as a loan/credit agreement

You are correct, overdrafts are not dealt with in the same way as loans and credit cards. There wouldn't have been a credit agreement as such, just a current account agreement. Was this an unauthorized overdraft? or did you have an O/D facility and exceeded it? I notice £25 unauthorized O/D charges on the statement.

[kelike28]

Re: Robinson Way - Home Visit

i don't have spare cash to pay it, certainly not in full either. I did a SAR once but didn't get much of a reply back, i may try that again (do i write to Santander or RW?) i had so many "unfair" charges over the years

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The reason for asking was to establish when this account would be statute barred. As your statement shows payments in 2010, that won't be the case for at least another year.


You are correct, overdrafts are not dealt with in the same way as loans and credit cards. There wouldn't have been a credit agreement as such, just a current account agreement. Was this an unauthorized overdraft? or did you have an O/D facility and exceeded it? I notice £25 unauthorized O/D charges on the statement.

i think it was the latter

[kelike28]

Re: Robinson Way - Home Visit

i don't have spare cash to pay it, certainly not in full either. I did a SAR once but didn't get much of a reply back, i may try that again (do i write to Santander or RW?) i had so many "unfair" charges over the years

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i think it was the latter

looking through statements quite a few years earlier i had charges of £35 a time for unpaid D/Ds.

[Guest]

Re: Robinson Way - Home Visit

What are robinson way like FP, are they particularly litigious, or do they just sell failed accounts on ?

[FlamingParrot]

Re: Robinson Way - Home Visit

i don't have spare cash to pay it, certainly not in full either.

You wouldn't pay it in full, you'd offer a reduced amount in full and final settlement, starting at a low level. :thumbs: Robbers Way probably paid £50 for the account...

I did a SAR once but didn't get much of a reply back, i may try that again (do i write to Santander or RW?) i had so many "unfair" charges over the years

Any SAR would have to go to Santander not RW, they wouldn't have the historical data. I sent Santander a SAR in Dec 2011, they replied with 6 months worth of statements and said if I wanted any more I had to pay another £10! :scared: I ended up sending an email to the CEO (I think it was, I'll have to look back as it's been a few years) in 2012 and eventually got 6 years worth of statements and £50 compensation paid into my account. :grin:

[FlamingParrot]

Re: Robinson Way - Home Visit

looking through statements quite a few years earlier i had charges of £35 a time for unpaid D/Ds.

So did I! :mad2: :mad2: :mad2: Only I still use the Santander account so those charges all got paid.

What are robinson way like FP, are they particularly litigious, or do they just sell failed accounts on ?

From what I've seen, they are pretty tame compared to others.

[kelike28]

Re: Robinson Way - Home Visit

So did I! :mad2: :mad2: :mad2: Only I still use the Santander account so those charges all got paid.


From what I've seen, they are pretty tame compared to others.

So would my account have been closed on default then sold on? Or have they only just sold it hence getting this from RW. i never heard anything for years but i am assuming that's down to changing accounts and moving house several times.

£50????? you must be kidding. That is complete madness. So what is a good point to start with? can i not question the amount due to lots of charges? or is that a waste of time?
Grrrrrrrr!
Thanks anyway for your replies everyone

[FlamingParrot]

Re: Robinson Way - Home Visit

So would my account have been closed on default then sold on? Or have they only just sold it hence getting this from RW. i never heard anything for years but i am assuming that's down to changing accounts and moving house several times.

Robinson Way are a debt collector rather than a debt purchaser as such. Their parent company Hoist is the debt purchaser. Hoist have been buying a lot of defaulted Santander accounts. Have you ever received a notice of assignment? Are Robinson Way acting on behalf of Santander or Hoist? Given how long ago this was defaulted, I'd assume it would have been sold on, however, there are no hard and fast rules.

£50????? you must be kidding. That is complete madness.

Defaulted accounts are usually sold for around 10% of their face value, sometimes just 7% or 8%. They are sold as job lots which include accounts that are unrecoverable due to being statute barred, debtors deceased or moved abroad, etc. so their value is very low.

So what is a good point to start with? can i not question the amount due to lots of charges? or is that a waste of time?
Grrrrrrrr!
Thanks anyway for your replies everyone

You could use the argument for the purpose of offering a low F&F. :thumb:

[Guest]

Re: Robinson Way - Home Visit

So would my account have been closed on default then sold on? Or have they only just sold it hence getting this from RW. i never heard anything for years but i am assuming that's down to changing accounts and moving house several times.

£50????? you must be kidding. That is complete madness. So what is a good point to start with? can i not question the amount due to lots of charges? or is that a waste of time?
Grrrrrrrr!
Thanks anyway for your replies everyone

THeywould have sold he debt on to RW, you should have got a notice of assignment at some point.

Your choices are to either batten down the hatches, question charges and generally try to ignore them, until the agreement becomes stat barred, or make them an offer, of either so much a month or a full and final.

Both have good and bad parts, if you offer payment of any kind it will push the date the agreement becomes SB back another six years, however it will get them off your back. You could make small monthly payment and in the mean time pursue the charges.

If you decide what you want to do we can help either way.

[DirtySmurf]

Re: Robinson Way - Home Visit

Just be aware that Robinson Way are a debt collector, which means they have no right to enter your property or to take any goods from outside or inside your home to pay off this debt without being invited to do so. If they turn up, you can ask them to leave and if they do not then you can call the police and report a breach of the peace and ask for them to be escorted off the premises. You could if you wanted "withdraw their implied rights of access" with an official letter which could stop them attending, however that may just encourage them to sell it onto another Debt Collection Agency or launch court proceedings.

If you have the mental strength to stand up to them, there is not a great deal they can do apart from knock on the door (just tell them to leave) - send letters etc. If on the other hand you really don't want to worry about that, you can as suiggested above make them an offer of repayment, either for a lower amount as final settlement or as part of a monthly payment plan for the full amount.

[kelike28]

Re: Robinson Way - Home Visit

Robinson Way are a debt collector rather than a debt purchaser as such. Their parent company Hoist is the debt purchaser. Hoist have been buying a lot of defaulted Santander accounts. Have you ever received a notice of assignment? Are Robinson Way acting on behalf of Santander or Hoist? Given how long ago this was defaulted, I'd assume it would have been sold on, however, there are no hard and fast rules.


Defaulted accounts are usually sold for around 10% of their face value, sometimes just 7% or 8%. They are sold as job lots which include accounts that are unrecoverable due to being statute barred, debtors deceased or moved abroad, etc. so their value is very low.

You could use the argument for the purpose of offering a low F&F. :thumb:

Hi FP - i shall write to RW tomorrow (they say they are acting on behalf of Hoist who purchased debt from Santander.....no idea when though, i don't recall notice of assignment and have heard nothing from Santander in years) i will ask them about charges and if they can get more info for me about the amount they are trying to claim from me, does this sound right? What is a reasonable amount to offer to begin with?

[kelike28]

Re: Robinson Way - Home Visit

Just be aware that Robinson Way are a debt collector, which means they have no right to enter your property or to take any goods from outside or inside your home to pay off this debt without being invited to do so. If they turn up, you can ask them to leave and if they do not then you can call the police and report a breach of the peace and ask for them to be escorted off the premises. You could if you wanted "withdraw their implied rights of access" with an official letter which could stop them attending, however that may just encourage them to sell it onto another Debt Collection Agency or launch court proceedings.

If you have the mental strength to stand up to them, there is not a great deal they can do apart from knock on the door (just tell them to leave) - send letters etc. If on the other hand you really don't want to worry about that, you can as suiggested above make them an offer of repayment, either for a lower amount as final settlement or as part of a monthly payment plan for the full amount.

i already asked them not to come to the house after the first time, only had letters since unless they've been whilst we were out.

[nemesis45]

Re: Robinson Way - Home Visit

RW like to threaten " home visits" but they rarely occur, it's a scare tactic.

nem

[FlamingParrot]

Re: Robinson Way - Home Visit

Hi FP - i shall write to RW tomorrow (they say they are acting on behalf of Hoist who purchased debt from Santander.....no idea when though, i don't recall notice of assignment and have heard nothing from Santander in years) i will ask them about charges and if they can get more info for me about the amount they are trying to claim from me, does this sound right? What is a reasonable amount to offer to begin with?

As peterbard said above, any written repayment offer, whether of a lump sum settlement or a monthly installment, would reset the statute barred clock which, if I got this right, has only about a year left to run.

THeywould have sold he debt on to RW, you should have got a notice of assignment at some point.

Your choices are to either batten down the hatches, question charges and generally try to ignore them, until the agreement becomes stat barred, or make them an offer, of either so much a month or a full and final.

Both have good and bad parts, if you offer payment of any kind it will push the date the agreement becomes SB back another six years, however it will get them off your back. You could make small monthly payment and in the mean time pursue the charges.

If you decide what you want to do we can help either way.