Hi Swa2009

Firstly youve come to the right place, Im not an expert and not confident in advising on aspects as serious as this. However, I can assure you, you are not the only one in this predicament, and I understand exactly what you are going throught, it is hard and depressing, I felt the same as you, felt like complete SH*%&T day in day out, the only advice I can give you, is read throught the many different threads on here, and someone with more expereience will surely help you, like theyve helped me, and I know its a cliche, but things will improve and that light at the end of the tunnel is there. I know Ive not been much help in answering your questions.

Dont let the B&$)_*$ds get you down.

Hi,

Mentioning forged signatures, I CCA RBS, and what they sent back well confirms everything that is written above. They sent me a loan duty check list with my original signature, and the T&Cs there was a signature, but guess what it wasnt mine, I used that "fake signature" when I last corresponded with them, bearing in mind the latter signature contained a scroll of SP, whereas my initials are SI, work that out.

Sparkie,

So does that mean, because its not signed, its seen as a gift, and a gift you dont give back, that would be rude, wouldnt you say. It may take me a while, but I will get to your wave length, cant promise when though.

Or have I just missed a serious link somewhere, thats me out on the first round.

Khadzay

Ye of little of faith Sparkie

Why is it when the banks do something wrong, (illegal) its seen as a admin error when the consumer goes against the admin error, it seen as " we will strike you down, how dare you take us on" Who are you, dont you know who we are.

I have scrutinised the Credit Agreement they have sent me and quote a paragraph from the Agreement. T&C Para 15. ss (a) The provison of the agreement to the customer is not a commitment by the Bank to lend. The bank will not be obliged to provide the loan until a) THE AGREEMENT IS SIGNED ON BEHALF OF THE BANK.

I cannot see any signature on behalf of the bank, apart from on the Loan Customer Duty Care Check list, which is intialled. This I take is seperate to the actual Credit Agreement.

It wasnt for a subject access request or CCA, i was writing to them telling them I cannot pay the agreed amount, and this letter went to Credit Management services.. Telford. Im 100% sure they received it as 2 days later Apex Credit Management (DCA) contacted me mentioning my latest correspondance. And that is when I used a unique signature, i.e My first name is S and surname is I, the "fake" I used was SP in a scroll, work that out. Is there anyway I can show someone on here the 2 sheets with the different signature, without comprising security.

Hi

I think Im another one of their victims, I CCA RBS and within the time limit, they sent me a what can only be described as a faxed microfiche photcopy. If you look carefully, the Customer duty of care checklist is signed, they have sent me terms and conditions, which is not signed by them nor is it dated by them, however its signed in the customer box, though the signature is different to the duty of care check list, the signature on the T&C I used when I last corresponded with them, and this signature was done deliberately.

The last sheet which they have sent me, is the financial information, if you could see what they have sent, is in a different type paper and looks recent in comparison to the other two.

Take a look, see what you think

[/img]

Hi

Are you able to post your credit agreement, as I also requested my CCA, and received the reply you sent. I also recieved a signed copy of duty of care check list, a seperate sheet highlighting the Terms and Conditions, with a different style of signature as to the duty of care check list. And a sheet highlighting financial information, which is hand written and looks recent in comparison to the other two sheets.

I know I have gone on a bit, have a look at what I have posted, under search type in Khadzay it shoud all be there

Dodgy is not the word, it contained my signature on the duty of care check list, however on the prescribed terms, the signature is completely different, its the one I DELIBERATELY used when I last corresponded with them, and its come from the paperwork has come from Credit Management Section, I beleive to be in Telford

Also the prescribed terms is not dated, nor is it signed.

Any further help is truly appreciated

Dont know whether this is posted in the right group, but would REALLY appreciate some help.

Getting sick with worry

Someone please:idea:

Anyone?????

And final sheet is the financial information, which if you could see what they have sent me looks recent and the colouring is different. Also the signature in the Customer Duty of care checklist and the signature on the terms and conditions are different, ( I have erased these)[/img]

This is the terms and conditions, which are difficult to read, and has no bank signature on their nor is it dated

[/img]

Hi

I requested my CA from RBS, and this is what they have sent me, would this credit agreement stand up to anything?, they have sent me 3 sheets, first is the Customer duty checklist, second is what looks like terms and conditions, without their signature or date, and the third sheet is the financial information sheet, which is in a different font format, and the colouring of the page is different. It looks like it has been written recently by the branch and faxed to Telford, where they sent me the agreement.

Im new to all this, and would appreciate some help from someone, somewhere. Please

Thanks[/img]

Hi Ida

All they have sent me are these 3 sheets,

Hard to read terms and conditions, which state at the bottom of the page page four of 6

Loan duty checklist page 2

And the financial terms, which have no page number on there, and I suspect this was done at headoffice

So no, front and back, just 3 seperate sheets

Khadzay

Hi Ida,

Thank you for the comments, but when you say no amount of credit, no repayment terms, is that no the same as amount of loan, indicated under Key Financial Information..or am I missing something really obvious (I probably am).

If you could see the copy they have sent me, this page is clearly in a different format and the colour of the sheet is lighter than the previous ones, I smell a RBS RAT[/img]

Some more. . . .note there is no signature on behalf of RBS nor is it dated[/img][/img]

Hi

I have scanned what RBS have sent me, the more I look at it, the more dubious I am getting over the whole thing, looking at other credit agreement, this does not resemble what I asked for

Please can someone have a look, and advise

Khadzay

[/img]

Hi people, Im will be uploading this evening, Im overwhelmed with the support Im getting over this, and other issues. Im seeing a slight glimmer at the end of the tunnel.

Once Ive figured how to do it, yeah sure no problem, in the meantime Im sure the phone calls from APex Credit Mgt (DCA) will start,

Take a deep breath

Thanks for that 42 Man

but since my last post I have now received my CCA from RBS, however, Im concerned with its content and format, firstly I asked for the original signed true copy, what they have sent me is a a photocopy, faxed agreement, with my signature on one of the sheets, which is the Customer duty of care form, (which I guess is not the loan agreement. I have also received a front sheet describing loan amount interest charged what I should expect to pay back, however the worrying thing about this is, its in a different format, the next page describes the terms and conditions which I cannot read at all with no date on there , the more worrying point is, the signature is different to the duty of care form, the only time I used this signature( and this was deliberate), when I last corresponded with them intialling it SP (signtature format) whereas my first name starts with S and surname I.

I know I have gone on a bit here, but I smell a HUGE rat, can someone PLEASE help

Hi folks,

Take a deep breath

I have now received my CCA from RBS, however, Im concerned with its content and format, firstly I asked for the original signed true copy, what they have sent me is a a photocopy, faxed agreement, with my signature on one of the sheets, which is the Customer duty of care form, (which I guess is not the loan agreement. I have also received a front sheet describing loan amount interest charged what I should expect to pay back, however the worrying thing about this is, its in a different format, the next page describes the terms and conditions which I cannot read at all with no date on there , the more worrying point is, the signature is different to the duty of care form, the only time I used this signature( and this was deliberate), when I last corresponded with them intialling it SP (signtature format) whereas my first name starts with S and surname I.

I know I have gone on a bit here, but I smell a HUGE rat, can someone PLEASE help