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
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    pinky123 Novitiate



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    Angry Loan Agreement Rbs

    Took out a loan for 25k in Aug 2005, never missed a payment but at the end of 2008 I decided to do a overhaul of my finances and contacted the RBSicon for a copy of my C/A, constantly fobbed off then in Feb started sending everything in writing and recorded delivery, eventually told this had been mis filed and sorry for any inconveinence, I have since learned alos that they have added 4114 in PPIicon.
    I have done all the template letters but still nothing, I have sent off a SARicon request, I have gave them more than enough notice, but they are still hoping I go away.
    I have tried cancelling my direct debiticon but because I bank with them they will not allow me to cancel this.

    Any suggestions!!!!!!!!!!!!!


  2. #2
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    Default Re: Loan Agreement Rbs

    If they take part in the direct debiticon scheme then:

    The direct debit guarantee applies to all banks and building societies taking part in the direct debit scheme. It says that:

    Customers can cancel a direct debit at any time by writing to their bank or building society.
    So send a letter demanding the direct debit be cancelled. I am presuming they have to follow the DDicon Guarantee regardless. I can't find any clauses in this guarantee that says certain DD's CAN'T be cancelled.

    :)I am not an expert, but I can give good advice about Brighthouse:)

    Am learning more and more about DCA's too :)

    I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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  3. #3
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    Default Re: Loan Agreement Rbs

    thanks for that I will get a letter off ASAP.

    Any suggestions on my next move with RBSicon???????


  4. #4
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    Default Re: Loan Agreement Rbs

    Can someone look at a letter I received from RBSicon regarding a SARicon request as I am at a loss to what it means:

    "Unfortunatley in this instance, documentation for this said loan cannot be provided.
    For the Data Protection Act to apply, information which is not stored electronically needs to be held in a certain structured format which is easily accesible. An example of this would be if information was filed in alphabetical order, referring to the name of the customer and then the file itself was broken down into different topics. Information held in such a structured format is known as a Relevant Filing Sysytem.
    Part of your SAR, the CCA would not generally be held by the bank in a relevant filing system and as such would fall out with the scope of the Act-this would mean that you would not be entitled to it under the Data Protection Act".

    Any ideas to what this means or are they trying to blind me with science, I have been chasing my C/A since Nov 08.

    HELP!!!!!!!!!!!!!


  5. #5
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    Default Re: Loan Agreement Rbs

    I would read that as "We ain't got ya CCA" and they are trying to confuse you

    :)I am not an expert, but I can give good advice about Brighthouse:)

    Am learning more and more about DCA's too :)

    I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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  6. #6
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    Default Re: Loan Agreement Rbs

    Any suggestions to my next step with these characters, as they seem to be given me the runaround constantly.

    Thanks for the help!!!!!


  7. #7
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    Default Re: Loan Agreement Rbs

    Have you sent a CCA Requesticon?

    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: Loan Agreement Rbs

    Yes I sent a CCA in Feb 09, but they have said it has been misfiled, also requested that they cancel the direct debiticon for this loan as it is now in dispute but they still continue to take the money, have sent many letter but continue to get the same reply, that they have misfiled and when I sent a SARN request they eventually sent me the above reply which just appears to be nonsense.


  9. #9
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    Default Re: Loan Agreement Rbs

    Quote Originally Posted by pinky123 View Post
    Yes I sent a CCA in Feb 09, but they have said it has been misfiled, also requested that they cancel the direct debiticon for this loan as it is now in dispute but they still continue to take the money, have sent many letter but continue to get the same reply, that they have misfiled and when I sent a SARN request they eventually sent me the above reply which just appears to be nonsense.
    The agreement is unenforceable whilst they are in default.

    You need to change banks.

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