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Hi guys
This is my first time asking for this kind of advice so thank you in advance and please ask me to carify if needed..
I had an Egg ccard taken out in mid to late 2000's and at one point I set a payment plan with them as I was experiencing some financial hardship.
I paid all agreed payments until AUG12 when a payment was returned on the same day I sent it. (Perhaps to do with Egg/Bcard takeover??) I had no knowledge of this until 6months later when I realised my income/expenditure no longer tallied up. Nothing more was discussed by either party.
When I received a letter from RobWay in early 2014 regarding said Egg/Bcard debt, I straight away agreed a repayment plan and didnt think anymore about it.
I have recently been sent letters from another DCA regarding a debt I most certainly had settled previously and it prompted me to (for the 1st time) check my Credit file.
There is a default listed as Bcard dated SEP10 and no mention at all of anything to do with Robinson Way.
I am really frustrated with myself as I may have become 'that sucker' and need some advice on where to go from here.
I am able and willing to (albeit slowly) repay my debt, but am now concerned that RW may have shafted me.
From what I have read, the payments (£5 pm for £3k balance) I have made since last year may well have been in vien as RW may not have any legal obligation or right to take it?
I guess I need to request a CCA and get a breakdown of balances and repayments to date, but I am unsure what the outcome or standing power of this will be after a year of payments?
Since acceptance of payment plan I have recieved no correspondence from RW.
Default falls off in SEP16 and I hold my hand up and agree that I am liable for the debt which I will certainly repay - if my file could once again be green while still doing so, life may be lighter...
Any advice or input on any of this would be greatly appreciated by this sucker and novice.
Thank you in advance.
This is my first time asking for this kind of advice so thank you in advance and please ask me to carify if needed..
I had an Egg ccard taken out in mid to late 2000's and at one point I set a payment plan with them as I was experiencing some financial hardship.
I paid all agreed payments until AUG12 when a payment was returned on the same day I sent it. (Perhaps to do with Egg/Bcard takeover??) I had no knowledge of this until 6months later when I realised my income/expenditure no longer tallied up. Nothing more was discussed by either party.
When I received a letter from RobWay in early 2014 regarding said Egg/Bcard debt, I straight away agreed a repayment plan and didnt think anymore about it.
I have recently been sent letters from another DCA regarding a debt I most certainly had settled previously and it prompted me to (for the 1st time) check my Credit file.
There is a default listed as Bcard dated SEP10 and no mention at all of anything to do with Robinson Way.
I am really frustrated with myself as I may have become 'that sucker' and need some advice on where to go from here.
I am able and willing to (albeit slowly) repay my debt, but am now concerned that RW may have shafted me.
From what I have read, the payments (£5 pm for £3k balance) I have made since last year may well have been in vien as RW may not have any legal obligation or right to take it?
I guess I need to request a CCA and get a breakdown of balances and repayments to date, but I am unsure what the outcome or standing power of this will be after a year of payments?
Since acceptance of payment plan I have recieved no correspondence from RW.
Default falls off in SEP16 and I hold my hand up and agree that I am liable for the debt which I will certainly repay - if my file could once again be green while still doing so, life may be lighter...
Any advice or input on any of this would be greatly appreciated by this sucker and novice.
Thank you in advance.
