Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
    Basic Account Holder streetgang Novitiate



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    Default RBS repayment plan - can i ask for removal of default notice

    Hi friends,

    A few years ago I was a very stupid man (something i pay for on a daily basis) and stuck my head in the sandicon rather than face up to my debts.

    I defaulted on a loan and current account overdraft with RBSicon. They subsequently formally defaulted my acount and I now pay 65 a month to their central Customer Credit Services Dept to repay the debt.
    I have been doing this for well over 2 years, and wondered if it was worth doing 2 things:

    Firstly, asking RBS to remove the default notice on my account.
    Reason being that i have been faithfully repaying money to them over the last 2.5 years, additionally that the default is affecting my ability to re-mortgate my property and gain a better financial deal in the present climate of the credit crunch.

    Secondly, asking RBS for details of the charges made to my account during the period 2002 to 2004 (the account was closed in 2004 and I am aware that you can only claim back 6 yearsicon). The charges will be significant i am sure and in a time of financial hardship for myself in 2002, 2003 and 2004 this affected my ability to administer my account within the terms of the agreement - hence i was defaulted.

    What do you think is the chance of success in either ? if this is in the wrong section please let me know.

    I am now facing up to my responsibilities and repaying debts where i can, i just think that the removal of the default would make things easier in the long term. I no longer hold any credit cards and will no longer get myself into debt (having learnt my lesson). I use a debt card now linked to by current account with another high street lender.

    thanks for your help.

    cheers

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  2. #2
    Royalties Account Holder citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB Highly authoritative citizenB's Avatar



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    Default Re: RBS repayment plan - can i ask for removal of default notice

    just giving your thread a little nudge to bring it to the attention of others who might be able to help you. I am not sure if this should be here or in the General Debt forum. Perhaps a mod/site helper will look in and advise you better.

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