Thread: masha4 V RBS

I had a student account with RBS but account was closed for going over authorised overdraft because of their bank charges. Debt has been transferred to DCA. Default was also registered on my credit file.

I then sent a Data Protection to DCA(Wescot Credit) for them to sent it to RBS but they told me they could not do that and was told to contact RBS direct. I then sent the Data Protection and Subject Access and have now received my statements.However my name is mispelt on the bank statement, there is a Y instead of R.(Told them about thi when I was still banking with them and they said it wasn't much of a problem).DCA tells me that outstanding balance is £1400 but statements from bank have £2149 showing ridiculous amounts of interest being added.

Can you please advise of what I have to do next? Can I make a claim for the interest and charges? What can I do about my mispelt name ? ( Can i ask equifax to remove that from my file as that is not my name). I have written a subject access already and have not received information about when and how much my debt was sold for, so do I need to write a letter again for this information?

You need to start by reading the FAQ's and Step-by-Step Guide.

I will have this thread moved to the RBS Forum, so your fellow RBS claimants can assist you.

You need to claim back your charges and interest claimed on the charges, and ask for the removal of any adverse data from the Credit Reference Agencies as a part of your claim. This request should also form part of your Prelim & lba. As the charges make up 80% of the debt, then they can't argue that any adverse data is a true reflection.

Hope this helps