What should I do now do you think? Send an SAR to RBS?

This debt has never shown on my credit file? I was paying it as the guarantor, the debt was for the buisness which was a limited co, I don't know if that makes a difference? The RBS also had the debt transferred to what I think was a loan account? they were paying the payments into one account and the debt was accruing interest in another account? I have never had a statement from them so I have no Idea how much they now consider is owed?

Hi there, I have just checked and it looks like the last time I paid anything was 6th March 2015. AM x

I would have to check the last time I paid anything, It doesn't show on my credit file either.. I have paid a substantial amount off this which I feel I shouldn't have paid and the last time I was told how much was owed it was only about 2K

Rbs

I had a business overdraft for a limited company to the tune of 12.5k, upon taking out the overdraft the business manager told me I had to take out overdraft protection insurance, which he quoted at the time 'should anything happen to the business the overdraft would be taken care of' , he also stated that I wouldn't have been granted the much needed overdraft if I didn't take out this insurance. I signed as a guarantor as I was lead to believe that the overdraft was protected anyway? I paid into the insurance for a number of years (approx 5). Due to the recession the business struggled and ceased trading in 2008. I made a call to RBS to tell them I intended making a claim on the insurance policy only to be told that the insurance I had been paying was only a death policy? This was never the case, it even said overdraft protection insurance on the bank statements.. I was then pursued by the bank, my house was threatened with repossession although I didn't feel I should I made an arrangement to pay back at £250 per month.. Money that I really couldn't afford.. This was a figure that the RBS said would be acceptable. I continued to pay for approx a year or so and then went through a separation, I contacted the bank again and agreed a lower amount of £125. All the time protesting about the protection I though I had.. This is now being chased by Shoosmiths solicitors.. In 2014 I made a claim for PPI in thinking that if they agreed that this was a mis-sold policy then the debt should never have been an active debt anyway I was ordered just over £2500 in compensation for a mid-sold policy.. The payment went straight to RBS. I am sure that this proves that I should never have had to pay the debt in the first instance? I therefore cancelled the payments and I didn't hear anything for about a year or so.. I have just had after all this time a letter from Shoosmiths asking me to reply to their letter why I am not paying the debt. . I have written to RBS in several occasions and had no response? Help required please? I don't know how to proceed? When I received the mis-sold PPI letter I wrote to the RBS asking why I hadn't received the cheque and they said they had used it to reduce the debt?