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RBS Account when lived in Scotland - now live in England
Hello,
Have just found this site and it is amazing!!!!
I had an RBS account for a number of years, but after running into monetary difficulties, I was advised to switch banks to a different company as was planning to apply for a trust deed and I had 2 CC & 1 current account with RBS. I switched in October 2003.
I stopped all DD / SO and my salary with regards to this account and switched them to another bank.
Anyhoo, I didn't go for the trust deed in the end as I moved abroad, was very young and thought I could ignore the debt. Stupid.
I have now been contacted by a DCA (Nov 2008 ) re the OD that was ran up on this account, after I switched from it - some £480 worth, I have no idea how these were applied as I moved abroad and did not receive the statements. This is the first contact I had about the debt.
When I switched the account and looked at it last it was a few pounds in credit.
I have been paying £25 per month to the DCA in respect of this debt, after reading this magnificent forum, I think thats a mistake!
I have never written to the DCA, only spoke over the phone.
Few things to ask -
1. Can I reclaim the bank charges as per the normal route to RBS direct? I dont have a note of the sort code/account number, does that matter?
2. Can I submit a CCA request to the DCA to see if they have my original agreement?
3. I used to live in Scotland, but now live in England, does this have any consequence/relevance?
4. Does the statute barred law apply as per 5 years as I was in Scotland, or 6 years as I now live in England?
5. Can I stop paying the DCA citing the bank charges claim as the reason?
6. Can I reclaim the monies paid to the DCA?
Any help would be great - being able to stop paying this DCA and reclaiming the charges - obviously there were other charges applied to the account whilst I was running it - would be tremendous.
Re: RBS Account when lived in Scotland - now live in England
1) YES, as far as I am aware
2) Might as well
3) no relevance apart from 4
4) Statute barring on bank charges is July 2001(ie you claim as it stands today from July 2001 up to present on bank charges).
5) I would think so because if they threaten legal action then you can ask them to make your day and do it.
6) Those monies should have been paid towards RBS so are part of your bank charges claim.
Re: RBS Account when lived in Scotland - now live in England
Originally Posted by yourbank
1) YES, as far as I am aware
2) Might as well
3) no relevance apart from 4
4) Statute barring on bank charges is July 2001(ie you claim as it stands today from July 2001 up to present on bank charges).
5) I would think so because if they threaten legal action then you can ask them to make your day and do it.
6) Those monies should have been paid towards RBS so are part of your bank charges claim.
Yourbank, thank you so much. I cant tell you how grateful I am for advice. Have a great day!
I assume thats to go along with the spreadsheet working out the charges?
Before that though -
How do I go about obtaining all of my old statements, are there templates on here for that also, or it that a Subject access request?
Re: RBS Account when lived in Scotland - now live in England
cca doesn't apply to bank accounts
ida x
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Re: RBS Account when lived in Scotland - now live in England
Hi, Debtcontrol.
Your threads seem to be getting very confusing, posting 'links' to your other threads makes it more difficult to follow what you had posted about in the first place.
Please try to keep to one thread on each subject and people will advise you when they can, just makes it easier to know whats what
Thank you for your co-operation
Regards.
Scott.
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Re: RBS Account when lived in Scotland - now live in England
Hi.
Thanks Scott, no problem. I was planning to keep this for the bank charges, and the other thread for the DCA chasing the payment.
I will stop posting in this one and only update the other one.
Thanks for all the feedback, I really really appreciate it.
RBS Account when lived in Scotland - now live in England
account for a number of years, but after running into monetary difficulties, I was advised to switch banks to a different company as was planning to apply for a trust deed and I had 2 CC & 1 current account with RBS. I switched in October 2003.
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Originally Posted by yourbank
