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RBS CC reclaim help


Azure
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Hi all,

 

I have decided to reclaim my RBS CC charges. The debt is now in the hands of a DCA who are now the legal owners of the debt. I intend on paying the remaining balance of the debt when charges have been removed.

 

I have a couple of questions to ask before I proceed.

 

Where do I send the CC charge request? To the registered office in Scotland?

 

What is likely to happen regarding my CRA record?

 

Incidentally RBS and now the DCA have registered a default for the same debt.

 

Who do I write to about this to get it rectified?

 

Has anyone got any other advice to give me as I'm rather nervous about this.

 

Thanks in advance

 

Azure

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always to the OC.

and do a spreadsheet of charges too.

 

you cannot have two defaults for the same debt.

 

and no they cannot trash your CRA through a reclaim.

 

tell us a bit more about this debt too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, thanks for replying. Debt is from 2006. Received a notice of assignment in late 2010. 5 x £20 and 8 x £12 made up of late payment and over limit fees. it all started when they applied a charge and I couldn't afford to repay it. I was on benefits at the time and them applying £40 a month was hard to get on top of.

 

I have always had a default for this debt (2007). I am now in the position to pay the debts I accrued off. I checked my credit file, I have a default registered for the same debt but in the DCAs name. Exactly the same details and amounts and i assume its been on there for about a year. Who can I complain to about this?

 

Anyway, I have all statements from that period so have compiled a list of the charges (not much at £196). The CC only had a limit of £250. I owe £350.

Edited by Azure
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