Robinson Way Debt

Robinson Way Debt Collectors are back on the streets, sending out threatening letters, calling our phones and knocking on doors. 

You might be wondering what to do and how to deal with them. Well lucky for you, I was in a very similar situation.Read this simple guide to learn what to do if you are being told you owe money and you want to become debt-free!

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel better tomorrow.

Robinson Way Debt Collectors

Is Robinson Way a Real Company?

Yes, Robinson Way is a real debt collection agency that is regulated by the Financial Conduct Authority for matters governed by debt collection laws. They must adhere to all UK debt collection rules. If you have received a genuine letter from Robinson Way, you need to act and not ignore what they say. 

Who Are Robinson Way Debt Collectors?

Robinson Way Limited is a debt collection agency and debt purchase business based in the UK. They recover unpaid debts for their clients, and they purchase debts owed to companies so they can chase those who owe the debt and keep the profits for themselves. They may offer you a repayment plan if you cannot afford to pay off the debt in full. They are now also known as Hoist Finance

Don’t worry, here’s what to do

You could get rid of debt collectors by writing off your debt. I’ve put together a 4 question debt calculator which will tell you if you’re eligible:

Find your best debt solution

This 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?

Where Are Robinson Way Based?

Their head office is at Quays Reach, Carolina Way, Salford, M50 2ZY. If you want to send them a letter about the debt on your account, this is the address to use unless one of their workers have told you otherwise. 

Who Do Robinson Way Collect For?

Robinson Way may chase any debt owed to Tesco, NatWest, eBay, PayPal and other well-known banks and finance companies. These finance companies are governed by the Consumer Credit Act 1974 amended 2006 and must provide affordable credit to individuals. If they did not supply you with credit lawfully, you could claim for a refund. 

They might chase the debt for these businesses or buy the debt from them on the cheap so they can try and recover the money and make a big profit. 

fight back when you get a debt collection letter

Why Did Robinson Way Limited Send Me a Debt Letter?

If Robinson Way Debt Collectors has sent you a letter, the chances are that they are requesting payment for a debt in your name or threatening legal action. 

But how on Earth can you owe a company money you have never heard of? Well, if Robinson Way bought the debt you owe to a bank or loan company, then you now owe the money to them.

Don’t get caught out and think it is a scam, you might really owe Robinson Way the money!

Can Robinson Way Take Me to Court?

If a debt collection group doesn’t receive full payment for the debt, or fails to get you to agree on a repayment plan, they have the right to take you to court unless the debt is statute-barred

If they prove to the judge that you owe them money, the judge will issue a County Court Judgement (CCJ) that request you pay. If you do not pay after a CCJ, Robinson Way Debt Collectors can then go back to court and ask the judge to permit the use of bailiffs. 

It is best to avoid court action and there are lots of ways to do this. You can even avoid court action if you can’t afford to pay.

We reveal more later in this debt advice guide!

Find your best debt solution

Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. Answer the four questions now.

Check if you really owe the money

check if you owe the money

Has Robinson Way Limited Made a Mistake?

robinson way case study

There is still a chance that Robinson Way Debt Collectors could have made a mistake. Sometimes the debt collection agency will send letters to addresses rather than people because that is the last known address of the real debtor. And thus, you received the letter instead of the person who really owes the money. 

But you can fight back against these mistakes with a letter to prove you owe the debt.

In fact, you should be asking for proof of the debt even if you know you owe it. This is because debt cannot be enforced without proof you owe the money. And even if they do eventually prove the debt, you can win some thinking time. 

You can ask for proof easily by using our prove-it debt letter. Fill in your details but never sign this letter as your signature could be used to counterfeit evidence you owe the debt. 

And keep a record of this letter just in case they ignore you and take legal action. You can show a judge that you requested proof and they ignored you, which could get you off the hook. 

Robinson way and the Law

What Laws Must Robinson Way Obey?

The Office for Fair Trading and the Financial Conduct Authority have published laws and legislation that every debt collector group in the UK must abide by.

If these companies do not keep to the rules, you can make a complaint to them. If the collection agency refuses to answer your complaint or does not give a response you find acceptable, you can then complain to the Financial Ombudsman Service (FOS). 

Here are some for the laws Robinson Way Debt Collectors must stick to:

  • Treat you with fairness and understanding
  • Be clear about what they are saying and offer explanations when you do not understand
  • Point you to free debt help resources and charities when needed
  • Consider your situation when offering repayment plans
  • Respect your contact preferences (method, times, days etc.)
Understand how they operate

When Can I Complain About Robinson Way? 

That’s what they should be doing, but what are the typical behaviours that you should be complaining about? Read on to uncover the four things that Robinson Way could do that might win you compensation!


Aggressive behaviours are rife within debt collection companies. Their workers will talk at you without empathy and try to force you to make a payment. The reason for this is because the call centre staff in many debt collection businesses are given monetary incentives. 

The staff could earn bonuses if they get so many debtors to agree to a repayment plan each month, and they may even receive a commission if they secure a full debt payment. With money on the line, they can easily become more forceful. 

Find your best debt solution

This 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?


Harassment is another common complaint among people being chased for debts in the UK. One of the most problematic behaviours is frequent calling. Some people receive a call from a debt collector every hour, which causes all sorts of mental health problems like anxiety. 

Modern collection tactics incorporate automated calling into their efforts. This is when a computer will make a call to your phone at set times to keep on the pressure and get you to give in. 

But all of this is a criminal offence and should be punished!

hoist finance hoist finance

Privacy Breaches 

If you have a debt, you are the only person that the debt collection company can speak to about it. Some companies may call house phones or work numbers to speak to you. However, if they divulge that they are calling about debt to someone else who picks up, they have broken serious privacy laws. 

These instances should be reported to the Ombudsman immediately. Robinson Way could be hit with a heavy fine and you could be due compensation!

Deceit and Lies

Lies and Empty Threats

Another big issue to watch out for is lying and making empty threats. Robinson Way Debt Collectors cannot lie to you and say they have the right to do things they do not. 

The best example is saying they can come to your home and take your car or personal items. Only a registered bailiff can do this, and they cannot be used until after court action has taken place (you will be notified if they are taking you to court).

How Can I Pay Robinson Way Limited? 

Not surprisingly, they’ve made making a payment to your account very easy. You can pay a number of ways. The best thing to do is to visit their website. They give you two options:

  1. Make an instant payment – this will be using a debit or credit card
  2. Set up an account repayment plan – this is a reoccurring payment from your bank account, for example, weekly or monthly which will have you paying down the debt over time
Robinson way make a payment

There is also an option to login to your account and see the status and balance of your debt. You will need your reference number/file number to do this, which is usually found on any letters they sent you. 

Why Are Hoist Finance UK Taking Robinson Way Payments?

If you have been making a regular payment from your bank account, you might be surprised to see that your bank statements show the payment is now going to a company called Hoist Finance – a debt restructuring partner – instead of Robinson Way. 

Don’t be alarmed, this is now the same company. The terms of your repayments with Robinson Way will remain the same when paying Hoist instead. 

What Other Ways Can I Pay My Robinson Way Debts?

It might feel convenient to agree on a repayment schedule directly with Robinson Way. But there are many ways to get out of debt, such as:

  • Debt Management Plan
  • Debt Relief Order
  • Individual Voluntary Agreement
  • Trust Deed
  • Settlement Offer
  • Bankruptcy

The right option to choose will depend on your personal circumstances and if you have other debts. Some of the solutions above are provided through insolvency practitioners and debt management businesses for ongoing fees.

Find your best debt solution

This 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?

However, the solutions can save you thousands of pounds and even paying the fees will make paying off your debt cheaper.

For example, an IVA is for people who have more than one debt and owe a significant amount of money that they cannot get on top of. It consolidates all your debt repayments into one payment for six years. After six years is up, all unpaid debts are wiped. People who choose this option can wipe thousands of pounds off their debt and never have to pay it back. 

For a full breakdown of the best ways to escape your debt, take a look at our easy-to-read debt solutions page!

This page links to all the popular debt solutions with complete explanations and no confusing jargon. 

Get First-Class Debt Advice (FREE!)

Make a phone call to one of the many exceptional charities offering free debt advice to UK residents. They can discuss your debts confidentially and without judgement to find a personalised solution that saves you money. 

Debt advice can also come in useful if you want to send a prove the debt letter, work out if your debts are legally too old to be collected, or for support making a complaint to the FOS.

The best of the best are:

  1. National Debtlines
  2. Step Change UK
  3. Christians Against Poverty
  4. Citizens Advice
Writing off your debt entirely

Am I Able to Write Off My Robinson Way Debt?

An IVA is one of the best ways to write off a lot of your debt. There are some other options. 

A Debt Relief Order is for people on a low income and it stops all debt collection agencies for contacting them for a full year. If their finances do not improve during this time, they can wipe all the debt. 

You might be able to wipe off 10-20% of the debt by making a settlement offer to pay off what you can. 

But the golden nugget of writing off debt is using the statute barred law. Essentially, it is a law that says some debts are too old to be collected. You don’t technically write off the debt, but Robinson Way will not be allowed to take you to court, thus, not able to recover the money.

Robinson Way will never voluntarily wipe the debt as they can make a big profit on getting you to pay. 

Contact Robinson Way Limited

Company Name: Robinson Way Limited

Other Names: Robinson Way & Co, Hoist Finance UK


Robinson Way Limited 

Carolina Way

Quays Reach



M50 2ZY

Phone Number: 0800 121 6902 (phone calls are free)



Monday – Friday: 8:00 am – 8:30 pm

Saturday: 9:00 am – 4:00 pm

Robinson Way FAQs

Who owns Robinson Way Debt Collectors?

Robinson Way Limited is owned by Hoist Finance AB, a pan-European financial group. This is why you may see their name on your bank account statements when collecting payments.

Are Robinson Way Limited financially regulated?

Robinson Way Limited is an appointed representative of Hoist Finance UK Limited which is authorised and regulated by the Financial Conduct Authority for matters relating to debt recovery under registration account number 752280. This parent company is licensed and regulated by the Swedish Financial Supervisory Authority.

Does Robinson Way Debt Collectors buy debt?

Yes, Robinson Way will purchase debt from businesses that do not want to dedicate the time, money and resources into recovering the money. They will sell the debt to Robinson Way at a really low price, sometimes 10-20% of how much is owed, and then Robinson Way will try to recover payments to make huge profits on every debtor.

What happens if you ignore debt collectors?

If you ignore debt collectors, they can take you to the county court and ask a judge to issue a CCJ which legally states you must pay the debt or make arrangements to pay over time. Before the court proceeding, you will receive a letter notifying you that the case is going to court and when you need to attend.

What happens if I ignore a County Court Judgement (CCJ)?

If Robinson Way win the court duel and you are told to pay through a CCJ, you should make immediate arrangements to pay. If you ignore the court request, Robinson Way can take further action by using bailiffs. These people will come to your home and take items to be auctioned and pay off the debt.

Are Robinson Way Debt Collectors the same as bailiffs?

Bailiffs are professionals that work to execute court instructions. They are specially trained to deal with pressuring and threatening situations. Robinson Way are not bailiffs, but they may employ them if you refuse to pay after a CCJ has told you that you must pay the debt.

Can Robinson Way Debt Collectors force entry?

Because Robinson Way are not bailiffs, they do not have the right to be on your property whatsoever. You can ask them to leave and if they do not you can phone the police for trespassing. They absolutely cannot force entry into your property.

Are Robinson Way debts ever written off?

The Limitations Act 1980 prevents Robinson Way Debt Collectors from chasing debts that are classified as statute-barred. This is most debts that are at least six years old and have never been issued with a CCJ.

What is the best way to contact Robinson Way?

You can call Robinson Way on 0800 121 6902 or write to them at their registered office:  Carolina Way, Salford, Manchester, M50 2ZY. Alternatively, you can send a message using the online chat feature on the Hoist website.


CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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