Hello forum, hope someone can help, even just a little bit.

I have an old credit card debt with RBS which for the last 2-3 years I have paid a pound a month.

I am not registered on any electoral role as I dont have a home.

I stay on friends floors or with some family and also pay for Bed and breakfasts and this has been since October 2014.

My debt is 5, 855 to RBS.

At an old address (where I still go and get post),

I have a letter from RBS stating that RBS have partnered with Westcot Credit services

who will manage the remainder of my plan.

And they will contact me within 14 days.

What do I do?

I dont have extra money from working as this goes on accommodation when I cant stay at other peoples houses,

and I was paying £1 month.

Its making me to the point of despair and life isnt easy as it is.

A relative has offered to pay them £1,000 to get rid of them due to me being so down with this.

But I dont think they will take such a small amount to get them out of my life.

I just have come to the end of my tether with it all and trying to survive not just live.

Can anyone offer a small bit of advice.

I hate all this over my head, for the sake of this amount I just have had enough,

I dont know how to handle what Westcot will do and had enough.

Help anyone please.

Kind regards

H

Hi HDEBT and welcome to CAG

You can continue to pay them £1 a month (RBS and ignore Westy)...I would also request a copy of your agreement from RBS using a section 78 request and see what response you get.

Regards

Andy

What does me doing this mean? (copy of your agreement from RBS)

and using a section 78 request? Is that a specific way I need to do it?

Thank you for the welcome

Regards

H

Follow the link below and read the whole thread.

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

just remember that wetcloths are a DCA

a DCA is NOT A BAILIFF

and they have

NO SUCH LEGAL POWERS.

don't waste that relatives money either!

esp to a DCA!!

ignore them totally and pay RBS as advised

thank you for link - which i have read and can do the letter, I just dont understand what it means by doing this. If they dont reply (RBS) in 14 days what does that mean to me? The debts gone or I dont worry anymore?

DCA - Westcot I have read so much on the internet about their nasty techniques and how they work, it does worry me.

Regards

H

Westcot nasty things ??????????????????? == nahhhhhhhh just wetcloths, ignore them pay as you do now, they are only after commission off you, I have ignored them many a time and they cry in their watered down soup! powerless DCA fit for no purpose.

Although you have just made me smile calling them the unusual name for Westcot.

Would it not be worth me trying for the Full and final settlement to RBS and offer the £1,000 against the £5,855.

Surely they would accept this than gain nothing but a £1 for the rest of the next god knows how many years.

This is the only debt I have and could sort myself out if this was gone for good, I worry it hangs over me all the time.

Just want to have less worry and my life back with no debt and start over.

bet they would not want to know! ask Andy for advice then o.k.

Oh, so they probably wouldn't want to know?

Thank you for replying anyway.

I thought that some things better than nothing and then they would have money. So what happens with section 78 letter I am typing to send.

Thanks for the help anyway

it checks they RBS hold the paperwork to legally enforce the debt.

if they don't then it drastically changes things to your advantage

can you remember when you took the card out?

might be an idea to check your credit file too?

dx

Its quite a few years, I am not completely sure.

Possibly 6 years or so, could be more.

I presume RBS hold all the paperwork but I have already got the letter ready to send as you advised.

Have not checked my credit file for many many years.

How do I check it.

I think years ago I had to pay to check it with a company.

What do I need to check on the credit file?

Oh god I dread what is on the credit report file,

but would be helpful in possibly getting my credit back on track so I can eventually find a place to live

both noddle & Clearscore are free CRA providers

Make the request for the agreement...await their response.....check your credit files as advised....then decide on how you wish to proceed.

Thank you for help so far. I have got the letter ready to send and will get that sorted.

Thank you for the names of the free CRA providers that will be good to use.

I will wait now and see what happens for the next 14 days

Thanks for all help and kindness today and will get back to you to let you know what happens

Kind Regards

H

But do not talk to, respond to anything from Wetcloths:-)

Make the request for the agreement...await their response.....check your credit files as advised....then decide on how you wish to proceed.

Send Recorded Delivery

Okay send recorded delivery and will not correspond with Westcot - Thank you

So I sent for the credit agreement and they sent it to me. What is it I am looking for on the paperwork they have sent me?Kind RegardsH

Easier to scan a copy and upload it here for opinions...(remove any identifiable details first)

Will try and find somewhere or someone who can scan it

Regards

Helen

photo? on phone?

read the guide upload

I have sent a letter to RBS offering a settlement amount and explaining my situation. This was sent on 6th August 2016 - Over month ago.

I have still not heard anything and waiting is not easy.

My question is

How long before they eventually contact back with a response?

and

Does anyone have the correct address to which I would send an offer of settlement on RBS Credit Card debt so I can check i have sent it to the correct department (just in case) I dont want it to of got lost

Kind Regards

Helen

I have sent RBS a settlement offer over one month ago now and still not hear from them.

How long does this usually take for any response?

Does anyone have the correct address I should of sent credit card debt offer to?

Just in case I am waiting and waiting and it is the wrong address.

My life is on hold til this is sorted.

Kind Regards

Helen

would be best to scan up the agreement please

and did you get your credit file?

dx