Originally posted by NotMartinLewis
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This is good news - Robinson Way (on behalf of Hoist) have admitted that the debt is unenforceable. This is particularly pleasing since it was an overdraft which some debt owners try to say are not covered by s77-79 CCA.
In some ways that letter is asking you to make voluntary payments towards an unenforceable debt.
It's up to you what you do next, but since they can't enforce the debt there's not much they can do to you except write more letters.
If they eventually source the credit agreement then reconsider your stance but from what you've said this may be a 'pigs will fly' situation
Di
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