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
    Gold Account Holder hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury's Avatar



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    Default attention all RBS/Natwest customers regarding loans and credit cards

    Hello,

    I would be extremely interested to hear from all caggers regarding their experiences of obtaining true copies of their credit agreements after sending a legal request under section 77/78 of the cca 1974 to the RBSicon/Natwesticon.

    It is my experience that they are extremely reluctant or have mis-placed, lost, disposed of these legal agreements.

    If enough evidence from customers is obtained, it is my intention to provide this evidence and submitted a mass complaint to the oft and the fsa, and hopefully, rather than tell us they will not investigate individual complaints, but pull their finger out and really investigate this matter and fine the pants of them:grin:

    Individually they run us around in circles, but a large complaint they will have to listen

    Thanks in anticipation:grin:

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    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
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  2. #2
    Basic Account Holder mybrainhurts Novitiate



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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards

    You've got my support. I'm 2 years in to this very problem myself and now off sickicon from work because of it all. I cannot begin to tell you how ill it's made/making me. They've even forged the agreement and I can prove it.
    Where's Martin Lewis when you need him.


  3. #3
    Gold Account Holder hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury's Avatar



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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards

    Thanks for your input:grin:

    Can you tell us a bit more about your trouble with them please do you have a thread on the matter.

    I have further noticed that even if they admit that they do not have the credit agreement they are restructuring some of them.

    Info from the Sticky by bankfodder


    How trustworthy is your bank? | Money | The Guardian

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
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  4. #4
    Gold Account Holder paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton's Avatar



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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards

    Quote Originally Posted by mybrainhurts View Post
    You've got my support. I'm 2 years in to this very problem myself and now off sickicon from work because of it all. I cannot begin to tell you how ill it's made/making me. They've even forged the agreement and I can prove it.
    Where's Martin Lewis when you need him.

    I've pmd you my contact number.

    Regards

    An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />
    Winston Churchill
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  5. #5
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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards

    hiya hellhasnofury

    count me in too, im just about to request a Sars for a credit card account and for virginone bank/mortgageicon account, and i will send also as seperate the CCA Requesticon for the credit card account mint.

    will do my threads and come back and edit this post for you to check on my progress if that helps you and thats what you are requesting

    take care ciao for now maz


  6. #6
    Basic Account Holder Mark Wilson Novitiate



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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards

    My CCA has resulted in the same lack of response. Today they have written to tell me they only need to supply copy of current ts and cs and NOTHING that resembles my signed agreement. As this account is quite old my belief is that they would struggle to find it and even if they did would find it unenforceable.

    I will be replying to them accordingly once I have been given suitable wording as I have now registered being in dispute.


  7. #7
    Gold Account Holder paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton's Avatar



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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards

    Quote Originally Posted by Mark Wilson View Post
    My CCA has resulted in the same lack of response. Today they have written to tell me they only need to supply copy of current ts and cs and NOTHING that resembles my signed agreement. As this account is quite old my belief is that they would struggle to find it and even if they did would find it unenforceable.

    I will be replying to them accordingly once I have been given suitable wording as I have now registered being in dispute.
    The regs do allow the bank to forward just the current terms and conditions if the agreement was taken out prior to 1985. However, agreemets post 85 have to be true copies including t&cs

    An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />
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  8. #8
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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards

    I have clarification from the OFT as to what is required..... but it has to be a copy of the signed executed agreement - though they can ommit the name/address and signature.

    Had Citi try to pull a fast one in providing T&C from 2007, for an account opened in 1996 stating that the 2007 T&C were the executed agreement.... lol... though they have stated their intention to default me, copy of the OFT document has gone to them and currently awaiting their response.


  9. #9
    Gold Account Holder paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton Authoritative paulwlton's Avatar



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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards

    Quote Originally Posted by Enron View Post
    I have clarification from the OFT as to what is required..... but it has to be a copy of the signed executed agreement - though they can ommit the name/address and signature.

    Had Citi try to pull a fast one in providing T&C from 2007, for an account opened in 1996 stating that the 2007 T&C were the executed agreement.... lol... though they have stated their intention to default me, copy of the OFT document has gone to them and currently awaiting their response.
    The regs are clear a creditor will satisfy a CCA Requesticon by sending a copy of the current t&cs if the agreement was entered into prior to 1985, that is if the agreement has been lost and no, they cannot omit name and addresses.


    Regards

    An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />
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  10. #10
    Basic Account Holder Mark Wilson Novitiate



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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards

    I was only just 18 in 1985 so can confirm my agreement will have been post this date.

    They have not given me what I asked for, am in dispute and will keep on until they confirm that they do not hold agreements to enforce or provide me with them at which point I will agree a plan.


  11. #11
    flubdub
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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards

    Hello, I have two loans with RBSicon. I have sent CCA requests for them both. They have admitted that one CCA has been 'mis-placed', and when they sent the other one, it had someone elses signature on it and is clearly not mine! Iv complained to OFT, fosicon and Informasion Commisioners but OFT said they couldnt help because Im a consumer.
    Will help any way I can!


  12. #12
    Basic Account Holder spaspeckerthedull Novitiate



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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards


  13. #13
    Gold Account Holder hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury Highly informative hellhasnofury's Avatar



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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards

    Interesting reading

    http://www.fsa.gov.uk/pubs/final/rbs_12dec02.PDF

    Get complaining

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
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  14. #14
    Classic Account Holder
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    Default Re: attention all RBS/Natwest customers regarding loans and credit cards

    Thanks for clarification paul, do you know the specific regs that dont allow them to omit the name/address on an executed agreement.

    Was always under the impression that under the consumer crediticon (Cancellation Notices ad Copies of Documents) Regulations 1983 they were allowed to leave out certain details such as name, address and signature/signature box. The OFT reference this in their response to me regarding what Citi have sent after a CCA Requesticon.

    Good point on Terms & Conditions being sufficient for an agreement lost prior to 1985, compiling as much ammunition as possible before going to my MPicon with my problems re: Citi.



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