Yes, my finances were /are dire. Income and expenditure sent to rbs , prepared by Cccs. The response from the bank was to refund the interest & charges. I'm worried by the charging order threat as this will add more costs & interest on ! It stinks that they can't even produce my original spplications - the reason I ask for them is because I don't ever remember signing any agreement

Hi Citizen thanks for the reply, the particulars of claim are: "The claimants claim relates to outstanding bank accounts maintained by the defendant with the claimant as follies : (lists seven accounts) - The claimant is the holder of a license under the consumer credit act 1974. The claimant has made demand /issued default notice in respect of the outstanding accounts. The def has failed to repay and/or the default notice has not been complied with (never received default notice &RBS say they don't keep copies) The total amount outstanding set out above includes accrued interest at the relevant agreement rate (contractural) from the date of demand /termination date to the date of issue. And the claimant claims 1.£8,959.04 2. Costs 3. Interest pursuant etc. " Rbs haven't amended the claim amount with the court when they took off all the interest & charges accrued. Thanks for any help - its greatly appreciated

Fantastic , thank you again for your help! You never know , it might have some leverage. I'll let you know the response ? Thanks

Is there any document retention code or practice protocol regarding this I can quote that you're aware of brigadier ? - thanks again

thank you yes- I specifically said that it was my understanding that they had to keep the signed docs for 6 years After closure - rbs stated clearly that it was 6 years from signing. Thought that was bs - I'll write to Cobbetts & challenge them on this. Thank you !

Hi thanks for the reply & welcome. RBS have stated that they only needed to keep the docs for 6 years from the start of the account.

Hi all, new here & desperate for help please. RBS are taking me to court as I could no longer afford to pay my overdrafts. The amounts totalled around 6k. After charges and interest this rose to 8.5 k. I complained to RBS and they refunded down to 5.7k. I'm with the Cccs who told me to offer a £5 per month payment which rbs accepted with condition I agreed to a charging order on my house which I told them to shove .. As it stands I also asked to see my original signed agreements for the accounts - they have said that because the accounts were opened in 1998 they are no longer available. Is there any defence to any if this or should I just admit the lower balance and hope for a sympathetic judge to get a payment plan agreed. Thanks in anticipation.