Before I came acroos this fantastic site I had already sent a letter to RBS to query a default account now in the hands of a DCA. I pointed out that the debt is not being reduced despite my making payments for the last 4 years.

Today I recieved a letter from the infamous Sandy Watts advising that I will receive a copy of all my statements free of charge (drat, I just sent a £10 postal order to my own branch for all my statements).

When I have looked at them and decide on the amount of unfair charges they will review my case.

The final para reads "Any payment would be made on the basis of a gesture of goodwill notwithstanding that we retain the view that our charges are fair, reasonable and transparent"

This is not the usual fob off I have come to know so well from pouring over this site. Does this look like CAG are wearing them down? By the way, just an aside, if their charges are so transparent, how come I have a debt totalling a couple of thousand pounds, and have no idea what it is made up of? Haven't received a single correspondance from them, not even a statement in 4 years!!!

Sent off my CCA to the DCA (who are collecting the money RBS claim I owe them) two weeks ago. They are now in default.

My question is, do I mention this in my response to RBS when I have received my statements, and start to claim excessive charges back? Also, I am paying the DCA £30 a month, should I continue to pay this? I don't deny I owe them some money, but don't know how much, and what portion is made up of charges.

Bump:)

Not sure about whether you should continue to pay, but it doesn't really make a difference telling RBS if the account is with the DCA - providing you tell the DCA it is in dispute that is all that matters (and you need to tell them it is in dispute - just sending them your CCA won't automatically ensure they put it in dispute - confirm it to them to be on the safe side).

I can't remember off the top of my head but I'm pretty sure once you put an account in dispute the DCA gives it back to RBS. I'd be inclined to say "the account is in dispute and I don't intend to pay any more money until my dispute is resolved". Have a search around the forums using some of the buzz words "dispute stop payments DCA" might come up with some useful links.

As the forums are so big, the advice you need might not come to you, so you might have to find it for yourself....

Good luck!

I have recieved a letter today from Lorraine Cassidy (Regulatory Risk Dept) advising that they have received my SAR and will post my statements within the next 14 days (don't rush ) However, I also asked for details of my savings account, as I know I had some money in there when they closed it down and I wanted to see what they have done with it. She is claiming it is not possible to trace this account, even though I gave her the account no and sort code. The letter states "without a valid account no and sort code we have no way of locating an account" Just what game are these morons playing? Pity for them, I happen to have kept the certificate that I was given when the account was opened, so that will be being posted out today, more charges for me to claim back

The clock is still ticking ....

Hi, sorry if i'm stepping on toes here, I did check the library on this forum first! Have a look at this post and send them a formal letter saying that the account is in dispute, just amend it to your details obviously, hope it helps!

Penalty Charges Forum

Careful sending originals! Should really send them a copy of it...

Thanks for the heads up T4FF. Copy sent, and original kept with me. I can't wait to hear their response to this one!!