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    • Just to clear it up, sorry I don't make sense sometimes. I have paid £4000 £1200 of that was suppose to clear the £1200 debt.   Meaning I have sent a extra £2800 on top of my normal mainternance money.   Thank you
    • Try CPR 31.15 Possibly but a party is not compelled to disclose any documents pre allocation
    • Hi, I shown my key worker a letter that was sent to me saying that I owe £1200, she setup a standing order around 2021, this was to pay back money I owed, with my mental health status I have had complex issues to deal with and I just simply forgot about this standing order so it has been running for about 3.5 years acording to my key worker, anyway I'm not worried about the money that was sent that I call a overpayment, it went towards supporting my child's household so I am just happy with that, I am a little sad that I am being told I still owe this £1200, I have sent bank statements over 3 years worth but they have not taken away this £1200 bill and still say I owe it   Thank you
    • She did try contacting EON in the early days of the debt but they refused to speak to her because she could not pass the security checks. She didn't know the answers on an account she hadn't opened?   I also saw this article recently which could be what has happended here: Debt collection agencies in the UK are using fair means or foul to link people to an address where an unpaid debt has been run up, sometimes years after they have moved out The Guardian Anna Tims Mon 22 Apr 2024 The letter from the debt collection agency arrived out of the blue, and it was intimidating. It informed Joshua Simpson* that he owed £2,212 to Octopus Energy, and accused him of ignoring previous requests to settle the bill. If he did not stump up within 14 days, he was told, further action would be taken to recover the money. Simpson checked his Octopus account – it was in credit. Then he noticed the address where the debt had been accrued between 2022 and 2023. It was his childhood home – which his family had sold 18 years previously. "Since I was only 16 when we left the property, I was astonished that they'd linked my name [to it]," he says. "The debt collection agency insisted I provide a tenancy agreement to prove how long I've lived at my current address. I couldn't, since we bought our home. "They are now actively pursuing me for this debt, causing me a huge amount of stress. We are about to remortgage, and if this debt prevents us switching to a better deal, we will face real financial hardship." Simpson had been sucked into the shadowy world of "identity tracing", whereby investigators recruited by creditors seek to locate individuals who have moved home without paying their bills. It is an unregulated sector where anyone can set up as an agent in a back room without a licence, or scrutiny, and use fair means or foul to identify debtors. Reputable companies join a trade association that operates a code of practice, but membership is not mandatory, and mistakes are common. Last year, a teenage boy was chased for a debt of more than £900 by debt collectors acting for the energy company Ovo. A "trace agent" had somehow linked him to the debt because his parents had previously rented the property in question. An investigation by the Observer established that the debt had been run up by a subsequent tenant. The consequences of mistaken identity can be catastrophic. Individuals who are erroneously linked to a debt face, at worst, court action, bailiffs and a ruined credit rating. At best, they can endure weeks of stress and paperwork in order to prove they are not the debtor. It is estimated that 20m identity traces are made in the UK every year, many on behalf of companies that are owed money. Personal data is often obtained from credit reference agencies, which record applications for credit, and details are supposed to be verified with several different sources before being used for debt enforcement. In practice, however, this does not always happen. Simpson's details had been passed along a chain of intermediaries before the demand was issued. Octopus had given the unpaid account to a debt collection agent, which had contracted a tracing service, GBG, to find the debtor................ Full Article: https://www.theguardian.com/money/2023/oct/04/a-cry-for-help-energy-providers-play-the-villain-in-dramas-to-chill-the-blood ..............The Financial Ombudsman Service, which investigates complaints about financial firms, states that debt collection agents have to produce convincing evidence to link an individual to a debt, rather than rely on names, addresses and birth dates. According to the trade association, the Institute of Professional Investigators, an unknown number of investigators and trace agents are operating below the radar. Many more are merely inept, as data protection compliance training is not mandatory. "We have been campaigning for many, many years to try to get all private investigators regulated," says secretary general Glyn Evans.
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June v rbos


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Hi All, ive been reading over this site since it was highlighted on tv, and been reading the threads with interest and im now going to bite the bullet and take action as i have been so annoyed with rbos for years about charges they have taken from me. It got to a point last year when i changed jobs and asked for the date to be changed on my loan with them and was told it would take 6 weeks???????? and they never changed the date, took them about 4 months, so it resulted in me being charged every month for being overdrawn then for dd's bouncing, resulting in some months just barely paying my bills and then having no money to survive and did they care, not a trot.

 

Got to the stage at xmas i had to go to money advice as i couldnt pay my way, now i will have defaults over the place as they are working out a plan for me to pay this all back.

 

Anyway im just about to send my dpa off and i know this is a common question but just need the reasurance that im going this right, (read the faq), but should i send my letter and £10 to their headquarters in St Andrew Sq, Edinburgh recorded delivery or hand into my local branch? And also i had/have a cc with them and a loan and overdraft that i have not paid anything into since Jan 06 (opened new account with clydesdale), can i send the letter for all 3 accounts or does it need to be individual?

 

June

Data Protection Act sent 27/06/06

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Hi June, and the forum.

 

I called my local branch of the RBOS, and asked for my statements from Jan 01 - 2001, they deducted £5 from my account and I had them 3 days later.

 

I am with the Edinburgh South Gyle and Corstorphine branch, and i have to admit I am sad I need to reclaim my charges (£2,705) since the staff have always been good.

 

Please remember that the bank is at fault and the peeps in the branches often do refund charges on request.

--- --- --- --- --- --- ---

Current State of Affairs:

--- --- --- --- --- --- ---

RBOS Royalties Account - £2705 in unfair charges. Prelim letter sent 26/6/06

Reply Received 06/7/06 - PLease go away

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Hi June and welcome! you only have to send one letter and one £10 fee for all three accounts, just make sure you have all the account numbers on ok? if its easier for you hand it in to local branch and ask for a receipt for the letter, they will pass it on to relevant department! good luck!:)

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Thanks for the speedy response, its apprecitated, I will hand it into my local branch on Monday with the £10 p/o as dont have access to chq or a cc.

 

Is it from Monday that i will count the 40 days for them to comply and thats including the weekends and bank holidays?

 

I am so glad of this site as i was willing to just sit back and take what they dished out to me and its ended me up in so much debt as i couldnt pay anyone money i owed them and rbos really didnt want to know.

 

June

Data Protection Act sent 27/06/06

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Thats the dpa sent off to rbos, sent it to edinburgh as i dont really want my branch knowing anything as im outside the branch daily working and dont want anyone in there at the moment knowing my business.

 

Did get a letter from them today saying they were willing to accept an interm payment for my accounts through the debt councillor, but only in the short term, they have a cheek, had it not been for all their charges i wouldnt be in this mess today, and to add insult they have added a default to my account.

 

So bring it on rbos lol

Data Protection Act sent 27/06/06

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Hi just a quick question, i know this has been covered but cant find it, i sent my Data Protection Act letter away on 27th June with the £10 postal order, i sent it recorded delivery but when i go online its not saying the letter has been delivered. should i resent or call them?

 

June

Data Protection Act sent 27/06/06

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  • 2 weeks later...

Hi regarding my last post ive still not heard anything from the bank and im starting to get worried, can anyone advise me what to do as its getting over half way there to the 40 days and ive still not heard a thing from them.

 

June

Data Protection Act sent 27/06/06

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  • 2 weeks later...

I sent my dpa away to rbs 56 South Gyle Cres Edinburgh EH12 9LE and it was never delivered, can anyone advise me of the correct address and do i now still need to start from scratch again with my 40 days?

 

June

Data Protection Act sent 27/06/06

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