Thanks for that Should I send an "account in dispute... do not continue pursuing" letter to the DCA?

I have an identical situation to Haywok ( http://www.consumeractiongroup.co.uk/forum/showthread.php?399029-Sheilas-Wheels-claiming-I-owe-them-money&p=4306961#post4306961 ) plus a little extra. I rang at renewal to get a competitive quote. The quote was above quotes I had already found on the internet (including Sheila's wheels by the way). I told the lady I would not be renewing and cancelled my direct debit I then decided It was time to put my old convertible on the road for the summer so "SORN'D" the car covered originally by Sheila's wheels & went with another company Some 2 moths later I received the "you owe us...." letter. I explained the situation and sent a copy of my new insurance for another car to them. This wasn't good enough and they demanded I send them a letter from DVLA showing the car "SORN'd". After obtaining the DVLA notice I emailed it to them. They emailed back asking me to call them. Instead I wrote explaining the situation and asking for the matter to be closed as they stated they would. A few days later I received a letter & email from a debt collectionicon company chasing this huge sum (£45) on behalf of Sheila's Sharks. It looks to be a nice little earner for Sheila's wheels. Anybody got thoughts on my next move?

Sorry to jump your thread haywok but Wow! I have an identical situation plus a little extra. I rang at renewal to get a competitive quote. The quote was above quotes I had already found on the internet (including Sheila's wheels by the way). I told the lady I would not be renewing and cancelled my direct debit. I then decided It was time to put my old convertible on the road for the summer so "SORN'D" the car covered originally by Sheila's wheels & went with another company Some 2 moths later I received the "you owe us...." letter. I explained the situation and sent a copy of my new insurance for another car to them. This wasn't good enough and they demanded I send them a letter from DVLA showing the car "SORN'd". After obtaining the DVLA notice I emailed it to them. They emailed back asking me to call them. Instead I wrote explaining the situation and asking for the matter to be closed as they stated they would. A few days later I received a letter & email from a debt collection company chasing this huge sum on behalf of Sheila's Sharks. Should I start my own thread or since the OP's situation & mine are similar would it be useful to combine on this thread with haywok's permission? It looks to be a nice little earner for Sheila's wheels.

Mikey, please take time to read other RBS threads on here. What you have received is very much par for the course. If you are worried about this "supposed" doorstep visit (it won't happen by the way). Write to them making it clear that you remove any "deemed" rights they may have to visit your home. Make it clear that you remove that right from them or ANY associated company, that'll let them know you understand the law. As has been said many times on here this is RBS sabre-rattling. Do feel free to keep posting and we'll keep offering advice. Take heart and keep focused. Remember it's their job to intimidate you into resuming payment. It's your job to know the law and keep explaining it back to them. Just imagine they are a class of 6 year-olds, they only learn by repetition.

Hi The Mould, I'm not sure it was a spelling mistake. I think she's cried more than 10 tears over this debt! I will get her to obtain the CCA. I know she cannot offer a full and final amount. Thanks

No good I'm afraid no PPI & no charges (apart from interest) in last 6 years

A close relative has asked me to advise on a problem she has. She has had a Lloyds TSB credit card for about 10 years. About 7 years ago she got into difficulties and got defaulted. She was able to keep up minimum payments after cutting everything else to the bone. Today she still owes about £2000 and is paying it at £45 a month which means her debt is reducing at less than £20 a month. She wanted to know if there is a way that she can get the credit card company to freeze interest so that she can pay off the debt as quickly as possible. As you can see even if the interest stayed at the level it is now she would take the best part of 10 tears to pay off. Any suggestions?

Don't worry too much about "statute barred" it's entirely possible to go past the "6 years" since you were prevented finding out the situation by the bank's unprofessional behaviour. Likewise monies overpaid by yourselves wouldn't necessarily be seen by a judge as a gift under the circumstances you have described.

Hi Foxy, thanks for all your time taken to clarify for the thick ( me) amongst us. I really would like you as soon as poss to check Mr Foxyflugel's credit record to see what's on that. I think a letter to both RBS data controller and Triton explaining that you are not satisfied with their response since you know they have more info, (contracts, statements, router accounts and anything else you can think of). Explain that you have written to ICO. If you still get no joy from RBS / Triton a letter before action to seek to recover your believed overpayment. (We'll arrive at a consensus figure on here). The letter should explian that you will seek to recover charges taken "in error" but you need information that they are withholding. Bear in mind in civil court you only have to show balance of probability not absolute proof.

I believe it's actually called a "Subject Access Request" and whilst the information commisioner's office states that all computer information held on you must be provided it also allows for some paper information dependent upon how and why the information is stored. Anyway back to the actual business at hand. Since Triton / RBS have stated that the debt is repaid I would request the information that shows the account closure since this must be held by them. Can anybody point me to any legislation that would mean contract information must be kept past the end of the relationship. Could Foxy not sue RBS for sight of the contract / statements etc since she believes that she may be owed substantial amounts due to errors on the part of a large corporation?

You will need to reply to RBOS asap stating that they have not complied with your request under the DPA since you know they have copies of the Credit agreement and default notices. They are also by law I believe meant to send you a yearly statement. Specifically ask for copies of statements and / or a complete list of account entries both in and out over the course of the loan. Keep the pressure on them and keep coming back to us on here. PS get the other half today to sign up for a "free" month's trial with Experian (cancel as soon as you have your report) and get a copy of what they hold on him. It's online and immediate so you should be able to see the RBS stuff. (If they used Experian) Let us know what it says with regard to RBS Sorry another question: Who did you send the SAR request to Triton or RBS themselves?

Foxy,your loan should be a fixed interest, fixed term loan and the fact that you have never seen a copy of the agreement is very worrying. Your starting balance was about £15,800 You appear to have repaid the following: 2005-2007 @ £10,000 2008-2009 @ £1,800 May 2009-Jan 2010 @ £1,700 I'm confused about this part "£7969.47 from 21 Jan 2008- 20 May 2008 (this is also £50 per week as from 11 March 2008" Are the above figures about right and can you clarify the 7969.47 bit please?

Hi Foxy, thanks for the quick reply. I'll have a digest of what you've written shortly. One other thing springs to mind. Have you obtained a recent copy of your OH's credit record? It should show the debt as "repaid" or "satisfied" or some such nonsense since the debt is the result of a default notice and closure. See when it was defaulted. Did you get a copy of the default notice (or do you still have it) in the SAR bundle? Cheers

Foxy, I've re-read this thread a couple of times and the contributions made by patrick et al. Ignoring the possible involvement of "router accounts" for the moment (Sorry Sparkie and & Paul) I have some queries: The original "loan" was for what? consolidation of current debt, overdraft, straight forward loan etc? You stated that you bounced payments at the beginning etc so they may have added charges etc. This to my tiny mind is a very cluttered thread and I can't really get a grip on it. Can you list if possible everthing in one place so that I and maybe the others can get a grasp of it. I think I need at least the following: Date of loan start & full amount at start payments made by your OH by year any charges levied by the bank over the course of the loan. any defaults issued during the course. If you can possibly list at least the above we may be able see what the correct status of the account is before too much time passes. Finally do you have the date that the account was supposedly repaid? Cheers P

I'm sorry diddy but I'm confused. Every time I've DSAR'd a bank / CC I've received a "pile" of copies including agreements, phone logs etc. Sometimes I've chased them up for specific items missing etc. You seem to suggest that they would be within their rights to send you some kind of "list" of items they hold. The information they hold is often contained within "documents" so without sending copies of the documents they cannot surely be complying. Correct me if I'm in error