Hi advice please, back in April 2012 I requested a copy of a CCA on a credit card from RBS, they failed to comply, I put the account in dispute, they came back eventually with a recon agreement that did not have the correct "necessary prescribed terms". After numerous letters to and from RBS and then solicitors it went to court in Feb 2014. I did try mediation but RBS refused, in my defence I asked the court to strike out the claim as RBS failed to provide a CCA, the Judge ordered in my favour, the judgement was "1. RBS having failed to comply with the relevant provisions of the Consumer Credit Act 1974 these proceedings are stayed (and no interest is to accrue on any outstanding sums) until RBS complies with its responsibilities to the satisfaction of the Court. 2. Provided that if RBS fails to comply with paragraph 1. above by 4pm on the 16th June 2014 then the claim is dismissed. RBS did not, their solicitors then wrote to me in April 2014 asking me to sign a consent order to withdraw the claim and no order to costs. I replied inviting them to issue a notice of discontinuance, which they did for all of the claim and I have a copy which was sent to Court. Out of the blue I get a letter the other day saying the RBS had failed to contact or agree a suitable repayment plan and have passed details on to a collection agent who will be in contact to discuss a repayment option. As far as I'm concerned, a judgement had been made, RBS withdrew the case and if a claimant discontinues a claim they can't take the same case back to Court if the defendant had filed a defence, I really am getting fed up with RBS and feel its time to deal with these incompetent people, what's my options harassment ??

Spoke to Natwest they are starting an internal investigation, I scanned copies of our passports signed in 2007 and old type driving licences signed in 1999 showing the signatures have not changed over the years, FOS are sending a form to complete should a response from Natwest be unsatisfactory. Thanks again for all the advice.

In his hand writing it says Affordability / Income > calculator is a "pass" check commitments > All being repaid.

I remember him saying something along the lines of "Consolidation is a preferred way for banks".

In hindsight we should have just switched the mortgage from Halifax to Natwest as we were already existing customers personal and business, the credit card and loan agreement should have been switched to a Natwest agreement with loyalty discounts etc as we were not in any difficulty and keeping up payments etc

Thanks I am waiting for a call from Natwest Monday, I will ask them to compare the signatures to the actual mortgage application form which is what we would have signed. My argument was that we should have been advised to take out standard bank loans for some other commitments we consolidated with the mortgage. I have said to Natwest we have not signed this, I am very careful with paperwork but do not have a copy of this recommendation. I have sample signatures going back years and both signatures have never changed apart from my wife's when we got married. Do you think I will get any compensation ?

Can you help or advise please, I complained last month to Natwest that I had been mis sold a mortgage package, they have written back saying they don't agree and "I have reviewed our records and I can see that you applied for a mortgage with us in 2006 and discussed your requirements with the PMA, who completed a "Your Mortgage - Our Recommendation to you" fact find to ensure the right mortgage product was offered to you." The copy they supplied me as proof is false and somebody has tried to forge our signatures, we have not signed this, what is the consequences for the bank. thanks in advance for your advice.