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

    Default RBS 'Forgotten' Overdraft - wescot chasing - Help please!

    Hi Guys,

    The last couple of years have been horrendous from a debt point of view.
    I am out of work again and my family doesn't make enough to pay bills
    and buy food so you can guess how stressful this is.

    Two years ago we moved to lower our housing costs.

    At about the same time "Egg money Manager" ceased and became part of Yorkshire ??? BS.,
    so my instant access to bank accounts etc. was wiped away
    - i tried reconnecting but couldn't.

    Through regular charges applied to the account it was taken through the limit and the charges were ramped up again.
    I had no paper statements coming in, but some forwarded letters from my old address told me they wanted their money back.

    Head in sand never a good strategy I know, but depression and fighting to survive on all fronts meant I took no action.

    About a month ago got a letter from Westcott (didn't connect the issue at first) asking me to contact them urgently.

    I rang and confirmed i was said person and asked what it was about.
    They referred to the RBSicon overdraft.
    I didn't acknowledge but said I wanted to contact the bank to verify/get further information.

    Westcott have bombarded me with at least one automated telephone callicon per day since asking me to contact them.
    Eventually I spoke to them and asked them not to keep waking my poor husband up in the mornings as he works nights.
    They have put 'harassing' me on hold for a couple of weeks while I contact the bank.

    It used to be the case that they had to produce a credit agreement but I don't know if this is still correct?

    I know they couldn't produce one for my husband back in 2009/10
    and my account was a lot older than that so they are unlikely to be able to.

    Is it worth a try to get them off my back - I certainly can't afford to pay them anything back.

    Grateful for any guidance

    Sweet

    Sweetrevenge
    Don't get mad - get even!
    If I've helped you please hit my scales 'n' bump my rep!

    RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
    WON at LBA with compound contractual interest 607

    RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, 1,278, 4,279 and 7,250(!) all with contractual interest.


    This is now very out of date!!!!
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  2. #2

    Default Re: RBS 'Forgotten' Overdraft - Help please!

    Hi, Is this a current account, with or without an overdraft? If so there is no CCA for this.


  3. #3

    Default Re: RBS 'Forgotten' Overdraft - Help please!

    why are talking to a no powers DCAicon

    never ever phone a DCA

    is this on your credit file?



    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  4. #4

    Default Re: RBS 'Forgotten' Overdraft - wescot chasing - Help please!

    I agree stay off the phone keep a contact in writing only.


    You need to check your credit reference files asap, Equifax and Experian have 30 day free trials, Noddle (Call Credit ) is Free but not always up to date.


    When was the account last used, do you know the default date? If not the CRAicon files will help.


  5. #5

    Default Re: RBS 'Forgotten' Overdraft - wescot chasing - Help please!

    Ok thank you, I will stop talking to them on the phone. It was a current account with an overdraft facility. I will check the default date and update here.

    thanks for the advice so far,
    Sweet

    Sweetrevenge
    Don't get mad - get even!
    If I've helped you please hit my scales 'n' bump my rep!

    RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
    WON at LBA with compound contractual interest 607

    RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, 1,278, 4,279 and 7,250(!) all with contractual interest.


    This is now very out of date!!!!
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