Send them to the PO Box address in Hull

Thanks for the advice folks.

I had a RBS loan/current account debt that was passed to their collection department, which I paid for 2 ½ years. Last November I sent them a letter asking for a copy of the loan agreement (not a proper CCA request though) and a month or so later they passed it to Wescot. Wescot then sent me a standard threat at the end of January so I sent them a CCA request and letter telling them not to call me. After they defaulted on the request I sent them the default letter around mid February and I’ve heard nothing from them since. AIC have sent me a letter saying the account has been passed to them and I should get in touch asap etc etc, although the letter doesn’t mention how much the debt is. Is this normal practice in the debt collection industry? Should I send AIC a CCA request or should I write to RBS?

Thanks for that. Yes I have got the statements, I got them a few months ago. Should I put a claim in for them? Also, what is the script with them putting interest on accounts? Can you put a claim in for that if its excessive.

Forgot to ask, but as my bank account isn't covered by the CCA are wescot or rbs likely to split them (Loan & account)? My account has loads of charges & interest on it but just trying to work out if and how I would dispute them?

Cheers for the quick response rory!

Hi, I am new to this site so apologies if I’m going over old ground as I’ve noticed quite a few similar threads. I got a rbs graduate loan in 2005 to pay off my student overdraft. I repaid this loan for 1 year then I was out of work and I defaulted on it, during which I incurred 100s of pounds of bank charges on my current account. Anyway, the current account and the loan were combined and passed to rbs recovery at telford and I have been paying them 100 pound each month for the last 2 ½ years. Now last November I requested that they send me a copy of the actual loan agreement that I signed (a kind of CCA request but not an actual one as I didn’t use this site back then) along with my statements for my current account and they sent me the statement at the start of December but admitted they don’t have the agreement. I was unsure what to do so I continued to pay it in the meantime. Last week I received a call from westcot saying that my debt had now been passed to them for collection and they will be sending me a demand etc. Rbs said they passed it to westcot because I failed to inform them I had moved address, even though I had continued to pay it and they also have my telephone number to get in touch if they wanted. Would they pass it on for this reason? Or could it be a result of me requesting the original agreement and suspecting trouble ahead?! Should I CCA request westcot when they get in touch or should I send them an account in dispute letter, as rbs didn’t comply with my request for the agreement (I have a letter from rbs which states they don’t have the agreement)? Any advice/tips would be warmly welcomed. I appreciate there is quite a bit of reading so thanks in advance.