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.
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
Now that you have the statements work out how much the charges are and send the prelim letter to the Bank.
Also send an s10 letter demanding they stop processing your data.
The s10 letter is in the bank temps library.
As for the DCA. Write to them recorded delivery and inform them that as your account is in dispute with the bank,they should suspoend recovery action for further action,This is a legal requirement.
You can also send the Dca a request under the 1974 consumer credit act for details they have on your account.
You will find more information about this in the baliff and debt sections on the forums.
As regards the misspelt name,I would question this with the Bank.
Try to keep all contact by letter and of course recorded
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Rbos Closed Account
but account was closed for going over authorised overdraft
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Re: Rbos Closed Account
