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Some advice please re RBS/MINT


pebsham
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I had a debt with an RBS card (pre MINT) and was paying it back at an agreed rate via Triton.

 

When Triton suddenly asked for double and kept asking for a further £20 per month on 3 month cycles the repayments became very difficult to maintain. By last September they were asking for £155 per month on a £2800 debt.

 

I stopped paying them anything and the debt was passed to Intrum Justicia.

 

In October I followed the advice on here and issued a SAR and CCA request.

 

After all the time scales were passed I still hadn't heard anything and in December Intrum wrote to tell me they had passed the debt back to RBS.

 

Nearly 5 months later I haven't heard a peep out of anybody.

 

All I need to know is wheter I should persue RBS for failing to stick to the Data protection guidelines or just forget it, get on with my life and see what happens?

 

Thanks in advance

 

peb

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Hi Pebs,

 

You have 2 options:-

 

1) Leave it but keep copies of your letters and all related doc'ts so, if this matter is raised again, you have some proof of events.

 

2) Write to RBS saying, in the absence of proper or any replies to your SAR and CCA requests, you assume they have no Credit Agreement and so wish the balance to be reduced to zero and any defaults made in respect of the alleged debt to be removed from your CRA files.

 

Have you been defaulted for this - if so, there's a ltr you can use to close the matter properly and get the default removed.

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