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  • Maximus75 Diary

    Hi Guys,

    I had about 4 weeks ago requested CCA to Robinson Way for a Tesco Loan originally taken out in Feb 2009. I have been communicating via email and have not sent any letters with a £1 postal order as most do. Date lines below:

    02/2009- Original loan for £10k, making monthly payments of £223
    11/2011- Top up with another £5k i think, not sure. paying around £275
    11/2013- Lost job and stopped paying.
    04/2014- CAB helped me to setup minimum payment of £31.71 to Robinson Way .Setup standing order from my bank
    02/2020- Debts no longer on credit file so offered Robinson Way £4500 to settle it as i desperately need to get a mortgage this year and eventually own a damn house!
    03/2020- They asked for £8800 which i asked them to consider.
    19/03/2020- Emailed them asking for CCA, they responded the same day saying they have requested it from the provider
    09/04/2020- Chased them for an update regards CCA
    09/04/2020 -Emailed me back with the same offer of £8800 and confirmed they are awaiting copy of the CCA.
    13/04/2020- Received a letter from Robinson Way saying "Account on hold temporarily and will be in touch once we have more information"
    20/04/2020- Emailed them asking for more information and cancelled Standing Order of £31.71
    20/04/2020- Spoke to National Debtline who advised to reinstate the Standing order so have emailed Robinson Way their account number to reinstate the DD.

    What should i do next? Sit quiet? but i do not want this payment of £31.71 on my bank statement as it might create issues for taking up a mortgage later this year. Your valuable help and suggestion would be truly appreciated. By the way i had 3 other debts with Cabot and Moorcroft which i recently cleared as they agreed to 50% discount.
    Thanks

  • #2
    Hiya, who are RW collecting for,? they are collectors, not debt owners

    pity you didn't find us before emailing RW, we, or i would of told you to NOT pay till the CCA was received,

    May I suggest that while you wait for the CCA you, SIT ON YOUR HANDS, do not keep asking for them to reply to your emails.
    all comunication should be by snail mail, do not keep pushing them , they will try harder to find it.
    while they are waiting for it the account should be on hold so no payment needs to be made,

    Nation debt line is a charity that is supported by many of the DCA's that ask for your money, allong with step change and others, so not impartial .

    sorry for the lecture, welcome to AAD
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

    Comment


    • #3
      Hi Nightwatch,
      Appreciate your response and guidance. Just a few points on the back of your message.

      1) "Who are RW collecting for"?- Tesco Bank (Tesco personal finance)

      2)"Pity you didn't find us before emailing RW, we, or i would of told you to NOT pay till the CCA was received".- Although i have emailed asking them for their bank details to re-instate the Standing order, could i just avoid setting up the standing order for £31.71?

      3) "Nation debt line is a charity that is supported by many of the DCA's"- I did wonder, they put in a panic mode by highlighting what the debtor could do if i stop paying the minimum amount. I thought it was one of those govt agencies which would focus more on assisting, they do assist and give ideas but the emphasis is more on making the payments as soon as possible else the consequences, which they are good in highlighting prominently.

      4)"SIT ON YOUR HANDS, do not keep asking for them to reply to your emails"- I shall follow your instructions, hope i have not messed it up by contacting them a few times.

      5) "sorry for the lecture, welcome to AAD"- Not at all, your experience and knowledge is of immense help. Truly appreciate it and I'm glad to be a part of this wonderful forum. Thanks


      Comment


      • #4
        One further point from what NW told you, when you are worried about the money showing on your bank statement, any mortgage application will look at your credit record, which if all the defaults have cleared may look ok.
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment


        • #5
          Originally posted by Maximus75 View Post
          Hi Nightwatch,
          Appreciate your response and guidance. Just a few points on the back of your message.

          1) "Who are RW collecting for"?- Tesco Bank (Tesco personal finance)

          2)"Pity you didn't find us before emailing RW, we, or i would of told you to NOT pay till the CCA was received".- Although i have emailed asking them for their bank details to re-instate the Standing order, could i just avoid setting up the standing order for £31.71?

          3) "Nation debt line is a charity that is supported by many of the DCA's"- I did wonder, they put in a panic mode by highlighting what the debtor could do if i stop paying the minimum amount. I thought it was one of those govt agencies which would focus more on assisting, they do assist and give ideas but the emphasis is more on making the payments as soon as possible else the consequences, which they are good in highlighting prominently.

          4)"SIT ON YOUR HANDS, do not keep asking for them to reply to your emails"- I shall follow your instructions, hope i have not messed it up by contacting them a few times.

          5) "sorry for the lecture, welcome to AAD"- Not at all, your experience and knowledge is of immense help. Truly appreciate it and I'm glad to be a part of this wonderful forum. Thanks

          So Tesco still own the debt, you may find that once you stop payment they may get heavy with calls and messages. try not to reply, just post on here by updating the original post with the account on #1
          you may refrain from setting up the payment, thay cannot force you to pay, just because you said you would.

          the Idea of NDL, SC, and others is to put the onus on paying the debt, what you have to learn to read are the word's, COULD, MAY, theses are very important words that COULD help should you become bombarded with letters that look leagal but MAY only be sent to frighten.

          enjoy the sunshine x NW
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment


          • #6
            Originally posted by nightwatch View Post

            So Tesco still own the debt, you may find that once you stop payment they may get heavy with calls and messages. try not to reply, just post on here by updating the original post with the account on #1
            you may refrain from setting up the payment, thay cannot force you to pay, just because you said you would.

            the Idea of NDL, SC, and others is to put the onus on paying the debt, what you have to learn to read are the word's, COULD, MAY, theses are very important words that COULD help should you become bombarded with letters that look leagal but MAY only be sent to frighten.

            enjoy the sunshine x NW
            Hi,
            I received an email from Robinson Way asking for me to setup a standing order for the minimum payment of £31.71. I had requested CCA via email back in March which they did respond by email and post saying they have requested it from Tesco. Is my initial request for CCA by email valid? The reason for me asking is as per your suggestion I want to keep quiet but I do not want to be in a position where I realise that my initial request was invalid.
            Thanks

            Comment


            • #7
              I would hold off sending anothe CCA request by post at the moment, wait and see what you get back from them, If anything.
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment


              • #8
                Originally posted by Maximus75 View Post
                I received an email from Robinson Way asking for me to setup a standing order for the minimum payment of £31.71. I had requested CCA via email back in March which they did respond by email and post saying they have requested it from Tesco. Is my initial request for CCA by email valid? The reason for me asking is as per your suggestion I want to keep quiet but I do not want to be in a position where I realise that my initial request was invalid.

                A s77-79 CCA Request sent by email won't be valid since you wouldn't have included the £1 statutory fee.

                No need to resend yet, but when lockdown is over you may need to.

                May I just check whether Robinson Way are writing/emailing you as the Debt Collection Agency for Tesco, or has this debt been assigned/sold to Hoist?

                (Sorry I haven't read back through your thread to get the full history.)

                Di
                Legal Disclaimer

                I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

                Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                Comment


                • #9
                  Originally posted by Maximus75 View Post
                  02/2009- Original loan for £10k, making monthly payments of £223
                  11/2011- Top up with another £5k i think, not sure. paying around £275
                  11/2013- Lost job and stopped paying

                  I've now read back through your thread and can see that this debt may not be the original loan which you took out in 2009 because you refer to a "top up" of £5k in 2011. Might that have been a consolidation loan where you take out a new higher amount loan which clears off the original loan and pays out the extra/surplus?

                  If so, then the circumstances surrounding that financial manoeuvre may need close examination. What was the extra £5k for? Could it have been cash-flow reasons, or was it to purchase something specific?

                  Definitely do not engage with Robinson Way in case you accidentally give them clues to work with.

                  Was your £4.8k offer to settle headed "Without Prejudice"?

                  Di
                  Legal Disclaimer

                  I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

                  Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                  Comment


                  • #10
                    Originally posted by Diana Mayhew View Post


                    I've now read back through your thread and can see that this debt may not be the original loan which you took out in 2009 because you refer to a "top up" of £5k in 2011. Might that have been a consolidation loan where you take out a new higher amount loan which clears off the original loan and pays out the extra/surplus?

                    If so, then the circumstances surrounding that financial manoeuvre may need close examination. What was the extra £5k for? Could it have been cash-flow reasons, or was it to purchase something specific?

                    Definitely do not engage with Robinson Way in case you accidentally give them clues to work with.

                    Was your £4.8k offer to settle headed "Without Prejudice"?

                    Di
                    May I just check whether Robinson Way are writing/emailing you as the Debt Collection Agency for Tesco, or has this debt been assigned/sold to Hoist?- I have no contact from Hoist till date, so perhaps RW are the debt collection agency for Tesco.
                    Might that have been a consolidation loan where you take out a new higher amount loan-You are correct, the £5k was a top up loan. As far as I can recall, the initial loan was getting paid since 2009 and in 2011 I needed some extra money for personal reasons.
                    Without Prejudice- I genuinely wanted to settle the amount and move on. I thought the Outstanding loan was for £8.5k so I was offering 50% of the amount outstanding but they came with a figure of £11k outstanding and £8.5K as settlement amount.
                    That I felt was ridiculous, looked around google and managed to find this fantastic forum with experienced guys like you all with an ocean of knowledge on this topic.
                    If so, then the circumstances surrounding that financial manoeuvre may need close examination- Could you kindly elaborate, does that mean it works against me?
                    I hope I have answered the questions Di
                    Thank you

                    Comment

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