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Trash

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About Trash

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  1. I can't remember getting them but I couldn't say for sure that I didn't. They didn't send a copy with the CCA should they have? I'm just getting really frustrated as RBS clearly don't know who has my debt and I don't want to get involved with the wrong people if they say that APEX has it. I'm also really wary because of the 50% thing. Why would they do that when they can get the whole amount? Should I call RBS again?
  2. Originally I really cant remember but they didn't send me a copy with the CCA. All I recieved from them was the cover letter, the schedule of arrears, the CCA and the insurance policy information (not the original as it was from natwest).
  3. I've attached a copy of the letter from AIC along with the CCA and Schedule of arrears that RBS sent me when I asked AIC for it. I've also just noticed that the two amounts of debt differ slightly? I'm pretty sure the debt is enforceable but I want to pay the right people and RBS are not acknowledging AIC.
  4. I've attached a copy of the letter from AIC along with the CCA and Schedule of arrears that RBS sent me when I asked AIC for it. I've also just noticed that the two amounts of debt differ slightly? I'm pretty sure the debt is enforceable but I want to pay the right people and RBS are not acknowledging AIC.
  5. I'm in the process of scanning. I talked to RBS yesterday and they told me that Apex have my debt so I asked them why AIC were contacting me and he couldnt answer so I asked him who I should be paying and he put the phone down on me?
  6. Okay I will attempt to do that but I'm at work at the moment. I will be happy to pay off the debt as long as it is to the right people. I didn't get any charges for the overdraft as it was authorised. I did take out ppi on the loan but was unaware I could claim it back.
  7. I didn't recieve any response regarding the CCA. I think they forwarded my letter to RBS and then they responded as if I sent the request to them. AIC has not mentioned the CCA letter. RBS are not aware of them having my debt so I don't think AIC will even know if I recieved the CCA from RBS. Sorry My scanner is broken so I can't show you the letter that RBS sent me.
  8. AIC didn't send me the CCA it was the Royal Bank of Scotland themselves. I'm unsure if they forwarded my letter to RBS. When i called RBS today they didn't acknowledge AIC and they are under the impression that Apex has the debt. The only letter from AIC i have recieved since my CCA request was the 50% off one. Very confusing.
  9. I took out an overdraft in 2006 and it gradually crept up to over a £1000 (I was only 18 and didn't even know what it was!!)so in a state of panic and feeling the need to pay it back I stupidly requested a loan in 2007 which ended up-after insurance e.t.c- at roughly £1500. I was to pay it back at £85 pounds a month and I managed to pay once but decided to go to college and obviously my income dropped and I couldn't pay. I recieved a letter from Apex Credit demanding money and began to pay them at £35 pounds but they would take the amount out at random times of the month and then I would
  10. I took out an overdraft in 2006 and it gradually crept up to over a £1000 (I was only 18 and didn't even know what it was!!)so in a state of panic and feeling the need to pay it back I stupidly requested a loan in 2007 which ended up-after insurance e.t.c- at roughly £1500. I was to pay it back at £85 pounds a month and I managed to pay once but decided to go to college and obviously my income dropped and I couldn't pay. I recieved a letter from Apex Credit demanding money and began to pay them at £35 pounds but they would take the amount out at random times of the month and then I would
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