Hi All

This relates to a credit card debt with RBS

Well, it started off with Newmans, over 12 months ago who gave up and passed to Wescot, who passed to Regal who at the same time seemed to be working with Scotcall!

I have sent all the usuall letters of to Regal and have now received this letter

I am going to respond with a "agents attending my home" and an "account in dispute letter" anyone have any other suggestions?

MD2010

Hi MD2010

Newmans - Wescot - Regal - scotcall - and on and on and on etc.

Field collectors, Field Team, sounds like they're trying to assemble a football team.

Don't worry, someone else will advise better than I can

ignore............

when was your last financial transaction?

dx

Last financial transaction probably 2007/8, is that significant?

Last financial transaction probably 2007/8, is that significant?

It would have been had it been more than 6 years ago as that would have made it statute barred.

All you can do is send the dont visit me letter and remind them, that either they or their "Client" are obliged to fulfill your s78 request before any of the actions they mention can be taken.

You can also point out that RBS specialise in tarting out accounts in dispute with often, disastrous results for the DCA.

Hi

dx asked about payment dates because it might have been statutory barred but if the last payment was 2007 or 2008 then it isn't.

Care to give some more details on the account? How much owing etc.

Have you sent CCA to ensure the collection activity is valid?

Are there any charges/late fees/over limit fees which can be claimed back?

Is there any ppi on it?

On what grounds is the account in dispute?

Regards

ims

Hi Guys

Some information debt

£9.5k originally being collected by Newman in June 2010 from whom I requested CCA,

never had any reply;

Wescot started chasing in November 2010, advised them that i was waiting for CCA, originally requested from Newmans,

various correspondence but no CCA.

May 2011 started being chased by Regal advised them that CCA originally requested by Newmans and the account was therefore in dispute.

MD 2010

Hi

Ok so that answers why it is in dispute and you can either ignore as per dx100uk or do what citizenB suggests in earlier posts.

What about the late fees/charges and ppi?

ims

Hi

Thanks

No PPI and late charges/overlimit fees minimal

MD2010

Hi Guys

Please see attached letter received from Regal

Any suggestions?

MD2010

Hi, that address is the Card Center that holds records

for all Visa & Master card accounts for the major banks etc.

It's the same place your payment go to and cards are issued

from.

Hi Guys

I have been chasing RBS to remove debt from my credit file as now been in default for in excess of 6 years. At last they have removed so all good on that front.

However, they are now stating that as they contacted me in 2011 via Regal, this debt is not "statute barred", see attached letter.

I haven't made any payments since Feb 2009, and correspondence in May 2011 related to my request for CCA

Suggestions as always very welcome

Thanks MD2010

what is he on about!!!

sending letters to debtors does NOT reset the SB clock.!!

neither do letters from you disputing a debt exists.

sounds like an office junior to me!!

so the debt should now not be showing

and as it IS over 6yrs since your last payment

then the debts gone too

dx

Ok thanks for confirming what I thought.

Do you suggest I ignore, or get into a discussion with them?, surely more letter tennis!

Or as this complaint is already with the FOS, do I just leave to them?

Thanks

MD2010

id ignore

but not any court forms ofcourse!

avatar is not too good BTW..please change it

Thanks

Avatar deleted

The only relevant contact for restting the 6 year LA 1980 period is the issue of a county

court claim which stops the " clock" on the date of issue.

not quite...

but once a debt is SB's

it remains SB's

nothing not even a judge can unbar a debt.

dx