RBS got a DCA to chase me on a 12 year old debt but I kept ignoring the letters.

It's now gone back to RBS and they've instructed Moorcroft.

There's nothing on my credit file, probably due to the time scale.

Do I just ignore them or issue a CCA straight away?

It's 12 years old, but is it out of time? When did you last make a payment or acknowledge the debt?

What does the debt relate to? Loan or overdraft?

Dont send a CCA Moorcroft they are just trying to collect......if you have not sent RBS a CCA previously then yes.

Andy

Looks like I first defaulted in 2006.

I paid RBS £10 a month for a couple of months in 2008,

then I did make some payments to Experto Credite from 2012

but they've gone bust so I stopped last October.

Shall I CCA RBS to see what comes back?

Already answered above.

Andy

If I send a CCA to RBS what's the chances of them having the correct paperwork?

If I send a CCA to RBS what's the chances of them having the correct paperwork?

And next weeks winning lottery numbers are ...........

Andy

I sent Moorcroft a CCA request and they've returned it saying it must be hand signed.

I know this is rubbish but how do I respond?

I sent Moorcroft a CCA request and they've returned it saying it must be hand signed. I know this is rubbish but how do I respond?

Send it back signed....but not with your usual signature....they dont know.

Andy

Has there been any recent cases of signatures being lifted? That's what I was cautious about.

Not that we know of..but Im sure good reputable DCAs would not stoop to falsifying evidence:wink:

sar to rbs might not be a bad idea

get all the statements

ensure your payments have been getting to them?

all legal request must have signature, tell a judge different and see their reaction!

cca request should have gone to rbs

we told you to ignore Moorcroft..

Yes I missed that, apologies.

Should I now send the CCA request to RBS?

Do I need to sign it by hand or is typing my name acceptable?

you follow the cca request instructions.

I did and it says no need to sign. DCA says it needs signing according to data protection laws.

Hence why I'm asking, who is correct?

Well you did send it to a powerless dca

This time you are not.

You do not sign it

Send to the oc

I did and it says no need to sign. DCA says it needs signing according to data protection laws.

 

Hence why I'm asking, who is correct?

as per #10

just sign it, perhaps with a v slight variation. saves all the palaver

I sent the CCA to RBS on 19th May, they received it on 22 May.

I have received a response today from RBS on 12th June which was posted on 8th June.

They have sent me:

A signed copy of my credit agreement from 1997

T's & C's for the 1997 agreement.

A current statement of the account.

A letter you usually get with a replacement credit card?

1. The response was late.

2. The account number they're quoting on their letters, current statement and replacement credit card letter does not match the original credit agreement.

What do I do now?

Does the credit agreement number need to be the same as the current account number? I'm guessing the actual credit card this refers to changes over time. So should a new credit agreement be signed with every new card?

nope no need for a new agreement everytime

so looks like they have complied.

as typically do OC's when they still own a debt

sar will be your next route to see if you have any PPI or penalties to use as bait to short settle?

dx

"2. The account number they're quoting on their letters, current statement and replacement credit card letter does not match the original credit agreement.

What do I do now?

Does the credit agreement number need to be the same as the current account number? I'm guessing the actual credit card this refers to changes over time. So should a new credit agreement be signed with every new card? "

Current Account number ? Changes ? New Replacement Card ?

Im lost now ...what is this actual debt for ?

Andy

The debt is a Credit card.

I'll reword "Current" account number - The "latest" account number.

The Credit Agreement they sent has a different account number listed to the account number they are now quoting.

They also sent a cover letter which you usually get with a replacement credit card and this has the new account number listed.

Sent the SAR today.

I'm interested to see how many payments they received from Experto Credite as they went bust. What happens if no payments went to RBS? Can I claim SB?