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    • Post the NTK up here for the regulars to double-check. I highly doubt it's compliant with POFA though. Ignore the deforestation that comes unless it's ever a letter of claim. Any luck with the organ grinder?
    • Probably the case @lookinforinfo Also an update, I've got the registered keeper letter. Just to check that I continue to ignore it until PAP letter comes in?
    • Thanks very much Bank. I've now done a lot of reading and have drafted my Letter of Claim as attached. I look forward to your comments. 16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf
    • ive already CAREFULLY explained how it all works earlier. what you will have to pay is already preset and detailed on the court forms/TfL stuff you already have. you wont be asked any questions upon your financial means etc. thats not under debate . you wont be asked upon any mitigating circumstances, you have pleaded guity which you always SHOULD.  the ONLY 2 reasons you are attending is to: 1) after finding the TfL prosecutor... plead directly face to face before you go in to try and get an OOC (you can bring up or say anything/everything you like ...anything that might get them to agree) 2) if 1 fails...show your genuine remorse face to face to the magistrate, BRIEFLY mention how a criminal record would hinder your future then hope they take pity on you and dont also record this on your file.  PS its only declarable/shows there for one year anyway. regardless to what an employer might ask in job questionnaires past 1yrs you forget about it. they cannot see it even on enhanced DBS etc etc. you should not latterly ever appeal a criminal record for this type (1yrs)  of 'offence' its not worth it and if you lose said appeal it will cost your dear in terms of additional wages grabbing and court fees. and extends the time it shows if you lose too. dx  
    • hit letter of claim follow post 2 despite repeated requests, the claimant has failed to produce any enforceable paperwork.
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rbs loan mystery


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HI,

 

I have a loan mystery going on myself! Loan was taken out about 15 years ago and about 10 years ago was stupid and never paid for a year, so it went from £4000 to about £12000 and passed to titan. I have been paying £200 a month on this loan for over 10 years now which makes me sick to my stomach, intrest was over 30% so i was not even covering the intrest. I have had meeting with my current bank who offered me a loan to settle this and clear it once and for all and actually be able to pay it off in 6 years. So was very happy thinking all i had to do was call get a figure and get it paid! Not so easy it turns out, they only have one current account in my name in £3371 credit, which is very strange since i was not covering intrest.

Two xmas's ago my payments were returned to me and when i called was told i had wrong details, loan was not paid off and was still around £12000 and the payments they sent me back had to be paid back so i was not in arrears.

So after speaking to about 10 different people today who were very vary in giving me any details really,they said they need to look into it and calculate the balance and will call me back in a few days?? also this makes no sense to me either as your balance should be your balance....whats to calculate????? i asked woman on phone what i should do and they advised to stop making payments, i asked for a letter or email to clarify what she was saying and she would not do so, just leave a note on my account. All just seems very strange to me and dont know what to do. If my payments have been going to the wrong account for 1 1/2 years surely the bank would have contacted me or i would have had someone at my door.....really dont understand all this, feel like for the past 10 years i have been ripped off completley. Also i have done a credit check with experian and no outstanding debt is on my credit recoreds....does not sound right either!!!!!

Since account is so old and when younger was a bit silly i have no documentation regarding this loan at all!!!

 

Any help PLEASE

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Hi,

 

Send a Subject Access Request to RBS, this should let you know the score regarding payments made to the account ect.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Ok will do, thanks Scott :) ill ask tommorrow, waiting for a call for them to work out my "balance" whats all the talk about router accounts , what are these??? could that be the problem? that i have a duplicate account with high intrest?

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see my post - there is an explanation in there about router accounts. :eek:

 

This one...............

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/242393-rbos-loan-mystery.html

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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