Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Just looking for someone to talk me through this as you guys have obviously had experience with RBS. Now then, I had a student account with RBS whilst at uni. My overdraft was £1800, and being a student, i used most if not all of it. HOWEVER, I also have another £1800 worth of charges, I am paying back a total of £3600 (disgusting!).
RBS passed my account onto BCW debt collectors, I'm assuming they sold my account off to them as I have not heard a peep from RBS and they put a default on my credit file. I have been paying £70/month, on a regular basis, for just over a year now, and still have £2100 to pay.
I have began the process of sending off for statements/cca to the DCA.
Can the DCA chase me while I am waiting for the statements? I have explained that I will not resume payments on the account until the matter is cleared up as the account is a result of bank charges, after I have received the CCA, and asked that they take no action on the account for at least 28 days. Do you think that's ok?
Hiya minichedda, you have queried your account and disputed the balance so the only way the Bank or the DCA can enforce their claim is by commencing legal proceedings against you for recovery and the longer they leave it the closer you will be to issuing your own proceedings for recovery of your charges.
I would recommend as soon as you have worked out the total value of the charges and interest they have taken from your account you pay any difference to leave just your claim value outstanding.
Most DCA's will try to recover any balance they have on their books but they have no legal backing to do this until they have successfully taken you to court.
Thanks pete that makes sense, shouldn't be much to pay back as I've paid £1500 and might be able to work out that their total charges leaves them owing me some money anyway
Rbs Charged Me At Least £1800 In Fees
. Now then, I had a student account with RBS whilst at uni. My overdraft
Reply With Quote
