Hello Everybody...again,

I successfully reclaimed around £700.00 from RBS thanks to the help of CAG. I panicked and accepted 'part' of the total charges, which left me with a balance of around £500.00 (at the time I feared they may take back their offer).

The remaining balance of £500.00 has been passed from one debt collection agency to another (four in total). I paid these debt collection agencies faithfully, until I noticed they weren't deducting my payments from the outstanding balance. They would chase me, ringing me at work, at home, and on my mobile. When I asked them for a statement showing the payments I'd made, they would umm and ahh about it. I had to fax them evidence of payment, etc, etc. Then, a different debt collection agency would write to me. So far four debt collection agencies in total.

Today, after a weekend away, I have received yet another letter, from yet another debt collection agency...and the balance is £559.36!!!! The debt has increased and changed yet again!!!!

Please, can anybody advise me what to do? This has been going on since I opened the account with RBS in 2001. Sorry, but I'm at my wits end.

Yours hopefully,

Milly

i would suspect you have been a cash cow to them all and that the 'debt' was written off long ago by rbs for tax purposes and sold on.

pers, i'd stop paying anything on this and sar rbs

what type of debt was this ?

dx

Hi dx,

Thanks for your reply. I simply opened a current account with RBS. I wasn't on a particularly good salary at the time and just about covered my living costs. It started with a couple of Direct Debits being bounced, but then spiralled out of control. Sometimes I received bank charges of up to £275.00 a month. I had to open another bank account elsewhere to have my salary paid into as they were taking up to a quarter of my monthly salary.

To cut a very long story short, the -£500.00 was from a current account (made up mostly of bank charges).

The letter I received recently states: "This letter is sent to you by way of an introduction to Lowell Portfolio I Ltd. Acting on behalf of Royal Bank of Scotland (the "Bank") and in accordance with the authority granted by the Bank on 30/12/2010, we have been appointed to arrange repayment of this liability. Our records show that you are contractually responsible for the payment of all monies due."

Do they have to inform me of the breakdown/full details of the alleged debt? If so, I'm sure they wouldn't be able to provide full statements as before.

Milly

P.S. What does SAR mean?

Tell the OFT and the FOS about the debtsbeing repeatedly passed around, this is against the guidelines for debt collection and the more reports the better,

Send this off along with the ten pound statuary fee.

FTAO - The Data Controller or Data Compliance Officer

*

Dear Sir or Madam

Re: acc *******

*

DATA PROTECTION ACT 1998 SUBJECT ACCESS REQUEST

*

This Subject Data Access Request is made under sections 7, 8 & 9 of the Data Protection Act 1998, and by virtue of the Data Protection (Subject Access) (Fees and Miscellaneous Provisions) Regulations 2000 ( S.I.No 191).

*

I hereby request that you supply me with all data that you hold relating to my account. This includes in particular, but is not limited to, the following: -

1 The original signed, executed Consumer Credit Act*agreement and any terms and conditions that applied at the time the account was opened.

2 Transcripts of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, to and from or by any previous creditor.

3 True copies of any assignment and/or default notice or enforcement notice that may have been issued*including a copy of proof of postage that you hold.

4 A genuine copy of any notice of fair use of my data*as required by the Data Protection Act 1998 and any consent that I/we*may have given to those uses

5 A list of third parties to whom you have disclosed my/our personal data including Credit Reference Agencies and, a summary of the nature of the information you have disclosed, the reason for this disclosure, including any defaults registered date they were registered and date of removal.

6 Full copies of transcripts of any correspondence in postal, e-mail or any other format which you have entered into with any individual, organisation or third party which contains my personal or financial, or which pertains to me.

7 Full Details of any third party with an interest in the account.

8 Full details of any securitisation(s) that my account(s) has been*or is involved in

9 Full details of any assignment(s) Legal or equitable copies of proof of posting of any notification allegedly given, if given

10 Any other information that you hold with regards to me/us*and/or our account.

*

Enclosed is the statutory maximum fee for this request of £10.

You have 40 days in which to comply. If there is specific information, which you require in order to satisfy yourself as to, my identity please let me know by return.

*

However please note that the above address is the one, which has*been used to make any and all communications with me/us with regards to my/our account information from you, which has been*hitherto found acceptable.

*

IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISTAION REPONSIBLE FOR DATA PROTECTION COMPLIANCE.

*

Yours Faithfully

Hi paulwlton,

Thanks for your quick response. In your opinion, should I send this letter, or the 'Prove it' letter first?

Also, am I right that the 'Prove It' letter goes to the Debt Collectors...and the 'SAR' goes to RBS?

Best wishes,

Milly

Tell the OFT and the FOS about the debtsbeing repeatedly passed around, this is against the guidelines for debt collection and the more reports the better,

Thanks for your response...If it goes any further I'll do both!

Best wishes,

Milly

Great, the telephone calls at work have started today...

thats unlawful if its to a works number

against every guideline there is

if its to your mobile

tell them once

that they are not to call you during your normal working hours

dx

Sorry I'm a little late. I presume you have already but you could just inform them that you do not wish to be contacted on the telephone. Tell them it all has to be in writing. Easier to keep a track all that's been said then and you don't have a panic attack each time the phone rings.

B