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 nuthatch Novitiate



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    Default This is all getting too much. ***WON***

    I have other threads on CAG at present, the main one I have is about my battle with creditors following the death of my husband a little while ago.
    That is hard enough to bear but now RBSicon are pursuing me (and my husband) for debts that were settled in Jan 2007.

    The background briefly is that we were in debt to multiple creditors following the loss of my husband's business so entered into a dmpicon with the CCCS.
    At the end of 2006, we sold a house we had in order to offer F&Fs to all our creditors and start again. The mortgageicon was with RBS and they would not release the final mortgageicon settlement figure until we agreed to pay everything we owed them first from the profit. We reluctantly agreed as we were desperate. All this was dealt with by RBS's solicitors, Shakespeares in Birmingham.

    We continued with the dmpicon as we no longer had the funds to offer a reasonable figure to our creditors to clear the remaining debts.

    At the beginning of this week, a letter arrived addressed to my deceased husband's business saying he owed RBS on a business loan. I telephoned RBS and was told they could not find the reference number I gave them so could not give me any information.
    I wrote to them telling them my husband was dead and the debt was cleared nearly 2 yrs ago.

    This morning, 2 more letters have arrived from RBS. One addressed to me and one to my husband formally terminating our overdrafts...which were terminated about 3 yrs ago and repaid from the house sale...and asking for payment

    I am at my wit's end.

    The strange thing is, when I reclaimed our bank charges last year, initially RBS refunded the charges to my account which had already been terminated the previous year and I could not get them because(according to the RBS) the account was OVERDRAWN by 1000
    I contacted Shakespeares solicitors who confirmed that the balance on all our accounts was zero but...."somebody" had not passed the money from the house sale across to RBS The solicitor graciously said the extra interest incurred would be wiped off ...very kind considering we didn't even owe it.

    I cannot believe this is happening.

    I feel like giving up or throwing myself in the river. I just can't sort all this mess out as well as dealing with my husband's estate, my own creditors and my grief.
    Can I write to my MP? I have read thet writing to the OFT is a waste of time....I saw that on a post by Bankfodder.

    Please tell me what to do.


  2. #2
    Basic Account Holder nuthatch Novitiate



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    Default Re: This is all getting too much.

    I would really value some help on this.


  3. #3
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    Default Re: This is all getting too much.

    Write to RBSicon and demand their complaints procedure then report them to the FSA and OFT for their inepitute, and crass insensitivity

    PGH7447


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  4. #4
    Royalties Account Holder Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm's Avatar



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    Default Re: This is all getting too much.

    Me? I'd send them a letter telling them to sod off and to see you in court once they've worked out whether there's anything your late husband actually owed and reminding them that if the judge agrees he did, then they'll have to take their turn in their share of the estate. You might want to point out to them that since the original terms were for a F&F (if I understand you rightly, I am a bit confused as to who was owed what), then F&F it is and if they have made an internal error, then that is their problem not yours.

    You could try to ask that since the error was theirs and theirs alone, they should write off any alleged amounts as a gesture of good willicon, pointing out that they are unlikely to get the full amount any time soon if at all once you submit an I&E sheet to the judge, that is if they can even prove you owe the money in the 1st place.

    I have to say it looks like a fishing expedition to me, but then I don't know the extent of the financial knots you're trying to unravel. If as far as you knew it was all paid off, then that's where you start from to deal with it, it isn't your duty to make sure they pay themselves first and if it was an internal error, then tough.


  5. #5
    Basic Account Holder nuthatch Novitiate



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    Default Re: This is all getting too much.

    Thanks so much for both your replies.
    I know I am not explaining things very well but it is so difficult to get my brain to process things logically.

    All the RBSicon debts were settled in Jan 2007 from the proceeds of the house sale and they were removed from our dmpicon Creditors list by CCCS.
    However, according to the letters I received last week from RBS, we have made partial payments towards the debt on Sept/Oct 2008. How my husband managed this when he died 3 months previously I cannot imagaine.

    But there is no debt to RBS. It wasn't even a Full and finalicon partial payment...RBS got every penny they said they were owed before we received the balance of the house profit.

    I will try and calm down and attempt to compose a letter to the OFT and the FSA.

    I feel like going to the Press as JonCris suggested on my other thread relating to my husband's death and his debts....RBS have already written off his CC balance.


  6. #6
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    Default Re: This is all getting too much.

    Then write back to them and say what you have told us here:


    Dear Morons,

    All the RBSicon debts were settled in Jan 2007 from the proceeds of the house sale and they were removed from our dmpicon Creditors list by CCCS. You got every penny you said was owed before we received the balance of the house profit.

    If you have made a mistake in attributing those monies as you acknowledged on the phone in our conversation of [insert date], then that is really your problem, not mine. I remind you that I have more than enough to deal with seeing I have recently lost my husband without having to deal with your accounting mistakes, a worrying state of affairs for a bank incidentally.

    May I respectfully suggest that you write off the alleged debt, show some understanding of the painful situation I'm already in and please stop hassling me for your mistakes?

    Yours etc...

    That's the kind of thing I would send anyway. If your situation is really bad, add an income and expenditure sheet to show that you can't repay anything towards the alleged debt anyway, something which shows that they'd be unlikely to get more than 1 a week if they're lucky should they go to court AND win it... ;-)


  7. #7
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    Default Re: This is all getting too much.

    I suggest you forward a full SARicon to the ******s.

    An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />
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  8. #8
    Basic Account Holder nuthatch Novitiate



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    Default Re: This is all getting too much.

    Bookworm I have printed off letters to send to RBSicon using your templateicon. Thanks.
    I have asked them how on earth they can record a credit to the account in October 08 as I have had no correspondence from them for over 18 months.
    I will give them time to reply and then send an SARicon...don't want to waste 10 if I can help it.


  9. #9
    Royalties Account Holder Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm's Avatar



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    Default Re: This is all getting too much.

    I hope you changed a few words first!!!! I mean, WE know they're morons, but it wouldn't do calling them that to their faces!!!


  10. #10
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    Default Re: This is all getting too much.

    Quote Originally Posted by Bookworm View Post
    I hope you changed a few words first!!!! I mean, WE know they're morons, but it wouldn't do calling them that to their faces!!!
    LOL, O' I dont know, it could be fun

    PGH7447


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  11. #11
    Basic Account Holder nuthatch Novitiate



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    Default Re: This is all getting too much.

    Quote Originally Posted by Bookworm View Post
    I hope you changed a few words first!!!! I mean, WE know they're morons, but it wouldn't do calling them that to their faces!!!

    Sorry, was I supposed to adapt them

    I have sent them off...suitably altered for the sensitive little souls...bless.

    Have to say...for the moment I'm feeling very proud of myself


  12. #12
    Basic Account Holder nuthatch Novitiate



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    Default Re: This is all getting too much.

    I have been reading loads of threads on CAGicon...as you do
    I have had a thought.
    The letters that have arrived from...supposedly...RBSicon.. .are for 2 overdrafts which I believe are not covered by the CCA so I could not CCA them and a business loan in my husband's name.
    Are business loans covered by the CCA?

    On a thread I was reading it said that a company does not have to comply with a CCA Requesticon if an account is closed....does this apply to an Subject access requesticon?
    As the business loan would have been closed when the balance was paid off following the house sale, if RBS write back and say the account is closed...haven't they shot themselves in the foot?

    Interestingly, there were about 7 RBS accounts that were cleared at the time from the house profit, but I have only had letters about 3 of them. I wonder if RBS have sold the ones that aren't covered by the CCA?

    I bet that is as clear as mud but i know what I am trying to get at.


  13. #13
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  14. #14
    Basic Account Holder nuthatch Novitiate



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    Default Re: This is all getting too much.

    I submitted an original copy of his death certificate in July 2008. But that was for his RBSicon credit card so maybe it doesn't register on the rest of the system.


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  16. #16
    Basic Account Holder nuthatch Novitiate



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    Default Re: This is all getting too much.

    Thanks for that but I really don't know if I can actually face talking to any banks at all about money at the moment.
    I will wait to see what RBSicon come up with in response to my letter.


  17. #17
    Basic Account Holder nuthatch Novitiate



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    Default Re: This is all getting too much.

    On Christmas Eve, received a grovelling apology from RBSicon saying thatt eh threatening letters were a "computer error".
    All accounts now stand at zero and please please forgive us for disturbing you at this difficult time

    I hope someone has had slapped wrists although I doubt it.

    Thank you everyone who responded to my original posts.


  18. #18
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    Default Re: This is all getting too much.

    Quote Originally Posted by nuthatch View Post
    On Christmas Eve, received a grovelling apology from RBSicon saying thatt eh threatening letters were a "computer error".
    All accounts now stand at zero and please please forgive us for disturbing you at this difficult time

    I hope someone has had slapped wrists although I doubt it.

    Thank you everyone who responded to my original posts.
    I'm glad it's all sorted...enjoy the new year.

    Mmmmmm RBS seem pretty good at bringing dormant accounts back to life?

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  19. #19
    Royalties Account Holder Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm Highly authoritative Bookworm's Avatar



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    Default Re: This is all getting too much.

    Superb.

    Now if you wanted, you know you could write back saying: "not good enough, you put me through weeks/months of anguish and hell at one of the worst times of my life, what are you planning to do to compensate me?"

    Punish them through the only language they understand: their pockets. There's no reason they should get away with a letter of apology, if you hadn't stood up to them, they would have pursued you relentlessly, regardless of your circumstances.

    OTOH, I can understand if you are so relieved you just want to forget all about it, but it's worth thinking about, you have nothing to lose by sending one letter. ;-)


  20. #20
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    Default Re: This is all getting too much.

    I agree with Bookworm completely...they have admitted sending you threateneng harrassing letters, in a most difficult time for you that amounts to aggrevated severe distress anguish and pain....you thoroughly deserve substantial compensation from RBSicon.
    Later when you feel more up to the challenge I would inform them so.

    sparkie



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