I have a credit card, overdraft and loan with Natwest - or rather did have because due to borrowing more than I could ever hope to repay I defaulted on all of them. They have all been closed and passed onto DCAs. I pay monthly sums off them through a DMP with CCCS - which I have maintained for nearly three years.

Now I know that on both the current account and credit card there was charges made that have been declared unfair. My question is can I claim these back? - even though I am actually in debt to the bank (I refuse to pay the DCAs and all payments are sent to Natwest ). I wouldnt even mind if they took the money claimed off what I owe them - but I'm unsure how it would be looked at if it went as far as court.

I hope this is the right place for this thread - thanks

Yes is the answer to claiming back charges. If you took PLP(known as PPI here) you may want to look at possibly claiming that back. If the loan was "fully protected" rather than sold with optional PLP then you may have a claim.

Posting this on another thread.Still not sure if I'm in the correct place.

Morning all I'm new to this site so hope I'm on the correct thread.I will try and be brief Sent cca's request to Triton (acting for RBS) on 5th Aug follow up on 19th Aug.recieved letter dated 22 aug from RBS Enclosed cc application headed "must be returned before june 2001" Signed and dated by me on 4th June 2002. A cca with no mention of RBS anywhere.No signaturesat all. If I want statements they will tell me how much they will cost.They confirm that Triton are managing my account( i.e sending demand letters) and confirm that the debt has not been sold. Do I reply to them or Triton or just wait for the 30 days before I send last letter.Paying RBS £1 per month ,do I stop?Is there any relevance in the fact that the appliction had to be in before june 2001 and was not received until june 2002? many thanks

Loramos...you need to start a NEW thread on your own situation.....

Ok thanks 42man

I'm new to this so hope I am doing it correctly.I will try and be brief

Sent cca's request to Triton (acting for RBS) on 5th Aug follow up on 19th Aug.recieved letter dated 22 aug from RBS Enclosed cc application headed "must be returned before june 2001" Signed and dated by me on 4th June 2002. A cca with no mention of RBS anywhere.No signaturesat all. If I want statements they will tell me how much they will cost.They confirm that Triton are managing my account( i.e sending demand letters) and confirm that the debt has not been sold. Do I reply to them or Triton or just wait for the 30 days before I send last letter.Paying RBS £1 per month ,do I stop?Is there any relevance in the fact that the appliction had to be in before june 2001 and was not received until june 2002? Many thanks

How very odd:)

If you need statements from them at any time then it will cost you a flat legal fee of £10.00 by sending a Subject Access Request.

Back to your agreement. I am sorry, I am unable to help you. Is there anyway you can scan it in so that other people can advise you better.

Be sure to remove any personal details first.

Is this letter from CMS in Telford?

At the moment this RBS department is finding some unique ways to avoid complying with CA requests.

Don't be bullied by them, resend your request & tell them the clock is ticking. I would copy Triton on the letter. They know they can't do this, there hoping you don't know the law.

Debs

sorry for not replying sooner Debs.No the letter came fro RBS Southend.I have sent them another letter asking for true copy etc. not application form .I'm still intrigued though how the application form they sent me had to be returned to them by june 2001 but was signed and dated by me june 4th 2002

One word, INCOMPETENCE. They haven't got a clue.

From now on send Your letters directly to :-

The Data Protection Manager

Retail Regulatory Risk

2nd Floor

Business House B

RBS Gogarburn

PO Box 1000

Edinburgh

EH12 1HQ

Enclose a copy of your origonal CCA Request. Also to this dept, do your SAR, & enclose your £10 PO/cheque.For this payment they HAVE to send you ALL statements you require for your account.

Debs