Hi rob, excellent news about the offer, its a start - most of us are still being told to bog off! Did the lett have any 'wothout prejudice' or not admitting any liability bits in it - have they said offer only in goodwill etc? Trying to figure out if they have basically admitted liability and its only a haggling issue now. You are certainly entitled to that interest - you've paid it for no reason. Have included the ppi interest?

pmsl, you sadist When I told her I recorded the whole 'farcical' conversation she went a bit quiet then gave me a very snotty but defeated "FINE then, I am terminating this call now". hehe Also (by accident) managed to record the very chap that did the dodgy default telling me they would issue a new one but still default me. I asked if they were using that as a punishment as a default is a precursor to action - which they know they cannot take and he said " we are allowed to default you, we just can't take you to court." I told him to prove I agreed to be defaulted as a possible action if I did not pay, and he said its in their T&C's - the ones they cannot supply....he couldn't answer - all going to the FOS etc. Anyway, the point of posting was just to say my SAR's to RBS and NAtwest going off today as Sparkie advised, and my thread on this is now at: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/207374-rbs-defaulting-me-no.html#post2262928 Thanks guys

Hi all After having to give up my job I asked RBS for help on my loan payments, short term. The carry on I was hit with was ridiculous, quoting T&C's and their debt collection threats (I hadn't even missed a payment yet!) so I thought, if they want to play nasty........... I CCA'd them on 2nd April - they finally replied that they 'misfiled' it and they do not have enough details keyed into their system to re-create it (eh? what DO they have then?) So CCA non compliance letter sent and the dance with RBS starts. First they send me a letter telling me they still want paid or they will default me. Bottom of the letter then states "we have defaulted your accounts today" then asks for repayment of an account I do not have (NAtwest Step a/c). Hmmmm. Seperate letter states I have 28 days to repay arrears of I will be defaulted. Default notice included gives me 14 days (no time allowed for service btw) and is a mixture of my a/c details and this other 'step' account. hmmmm - so I start digging. Am told its a mistake, to shred it, then please take the original into the branch for them investigate (yeah, watch me), then when I simply point out the notice is invalid anyhoo as the details are all wrong - the advisor gives me a bollocking! I kid you not - shouted at me "if you want to get technical about things Miss Dipply, I am cancelling your cards and accounts now". WOW! Aggressive idiot then puts a note that the DN is valid. Next monkey I get admits the details are wrong but they don't care, computer says 'valid', its valid - they will still default me. (recorded btw, thanks joncris ) Next idiot tells me doesn't matter no CCA, there is no dispute, they will still default me (recorded) So! On the advice of cagger Sparkie, am SAR'ing RBS and Natwest n lets see what happens. Mainly hoping I can record all and post the whole song and dance that RBS will try and put me through for no CCA - and prepare/help others starting it with them. This will be my 3rd round with RBS - but think this will be the longest Any advice, comment much appreciated!

Hi patdavies, thanks for the reply I understand the difference in that my sister had something on her record already, her point is (which I did not explain clearly, sorry!) that all the other staff had clean records also - this was all their first disciplinary - they went straight to final writen warnings and the asst manager basically got nothing. The other worrying thing is that my sister was the only one that brought up the issue of health & safety (one girl was pregnant and still working in that locked store late at night). There is a culture in there of not arguing, just do as you are told. None of them would appeal as they thought they would then be first out the door if there are any more staff cuts required and they have 'argued' with them.

Hi all, any input would be much appreciated! Sister went for her appeal hearing, which was a sham to be honest. They ignored her questions and simply quoted what sounded like political soundbites to everything - saying lots without saying anything. Outcome of the appeal was for them to uphold the dismissal, so off to the Tribunal Service we go. Her appeal centres around the fact that when they reduced staff hours, some jobs auomatically became lone working - in her case this would be late at night. Policy and procedure was never updated or changed to reflect this, even though procedure still required 2 people for most jobs. No risk assesment ever done and her health & saftey a risk by continuing to follow the same old procedures. Managers simply said to cope as best you can when asked, staff left to figure out how to juggle 2 jobs at once, work extra unpaid hours simply to complete essential work (ie cashing up and closing up). At the appeal she asked these questions and they answered by asking how SHE could have done things, changed things...she answered that every job could only be done following procedure if she then worked extra unpaid hours every night (approx 2 per night). They answered that was the right way and she should have done this....that is why she was disciplined. They still did not acknowledge the health & safety issues, simply stating 'there is always an 'element' of lone working and they do have a lone working policy' - thats it. The other issue is consistency. She was dismissed, the other staff given final written warnings - all except one. The Asst Manager was only given a letter of concern on her file - not even a formal disciplinary action. So! Have to submit the claim to the Tribunal today (today is the deadline), if their is any advice I would be very grateful.

you are right, another glaring omission!

Hmmmm, very short vague statement glossing over some very big things. All the suspended directors sacked....David Postings leaves with immediate effect ( hmmm, is that sacked for involvement or just going back to Cattles quitely for being naughty?) Hazarding guesses here lol And, most important....a number of other employees facing action. Are we not entitled to know if these disciplinaries are for the very things we have complaints logged about? As this would prove our cases immediately. Even if we cannot be told publicly, the FOS/FSA should be. And now the OFT cannot ignore the situation...half a boardroom sacked in one go (what level of wrongdoing does that take?!), various employees facing disciplinaries, they still gonna claim no dodgy dealings?

Hi POst, Andie Could you have a quick look at this thread, cagger has court again with WF in 2 weeks http://www.consumeractiongroup.co.uk/forum/dealing-debt-scotland/180427-rrfcfan-court-wf-all-4.html Thanks!

Once the PPI has been exposed for what it is (or not lol), I think we should take an extremely close look at their other bull 'policies' ie: Lifecare, Medicare, Homecare, Collision Call etc. I think AXA is down as the underwriter for one of those, NU for most. I wonder if AXA will be more accomodating when asking fir info?

I was well annoyed at missing such a prime opportunity, so I thought we'd have round 2, and let me tell you, they really don't know when to shut up do they lol Got them recorded clearly threatening me and telling me that is the DN sent that they have (apparently) mixed up withe someone else details is valid - refused to check the details to be sure and told me that because the cheeky advisor before put a note in to say it is valid....it is valid. (same guy who initially told me to shred it) She THEN checked the details, CONFIRMED they were someone elses but said the DN is still valid, will stand and they will continue with the default procedure against me regardless! All recorded Threaten me RBS and I'm gonna have kick your backside for a THIRD time....am gonna hound you - and yes, thems fightin words

Sorry The Wife! meant to get back to you sooner. The 5% thing you know about but the reason you'll notice the amount they quote as IPT ISN'T 5% of your premium is a cracker. welcome are trying the angle that in your PPI premium there is an 'element' for life cover - which is exempt from IPT. Now, Life Insurance IS exempt - but thats not what is in your PPI - it is life cover, which only covers your payments if you die... Very grey area, but one that HMRC will have to decide - they have been asked I am also of the opinion they should be paying IPT on the interest charged on the PPI also - HMRC to clarify that also The government are obviously a bit strapped nowadays and clawing in every tax they can think of - wonder what they'll decide

There is something to this, the more I dig, the more I see every other legit agreement has a larger first payment - this pays the initial acceptance fee. They have been just adding it to the total amount of credit and making that bit extra per agreement. Not much until you multiply that by their consumerbase - mega ££ of pure profit - illegally. Have seen how Santander treat folk also, so doesn't surprise me they're at it too

What David Postings wants to do if he is in anyway serious bout making this company better is send spies round to work in the offices for a few weeks and see for himself what is going on, and that we are not exagerating or lying. Shame they couldn't have got a few 'mystery shoppers' in while they were still lending...and am at a loss why Trading Standards never did anything like that considering the number of complaints logged about them. The company needs cash, lots of it at fast, and needs to be able to show it can get this....they aint gonna play fair doing that now when they never have. Mr Postings, stop hiding in the big leather chair, admit to whats been going on and deal with it. You have a once in a lifetime chance to make the right changes, do whats right and build a company folk may even trust again. Or people will keep fighting you and looking for ways to stop Welcome, as they cannot be trusted. Now who would they be lol

Hi Debtfighter1, I am having issues with Vodafone also and I only ever get muppets on the phone with them. Also log your complaint with the Ombudsman Otelo, they will start looking into it too (they take a while but do get there), and can hopefull resolve it for you..... Office of the Telecommunications Ombudsman - Home

I'm afraid I wouldn't have an answer to that one, bumping your thread to keep it recent but had to say your post made me smile. Isn't it lovely to hear about someone finding some peace in life after going through all that and being happy, and knowing what happy is for them. Best of luck to her

good point. Should the FSA not be asking the same question?

Aaaah, I see it now, its in the history section of their licence. The are also Express Delivery and Swift Delivery, you know those lovely blank postcards folk get about parcels/deliveries/urgent messgaes? Clowns

Morning all Brassed off, got your pm. Hmmmmm Hi The wife. apologies if you've told us this already but have you done a SAR to welcome? If you've had a full statement off them I bet you will see at the very start they list what you borrowed, then ADD the acceptance fee, THEN start calculating and adding interest. Their own statements are proof.

Hi philballard30, weird one! unless you have had joint loans/applications etc I don't think you should have a financial association....and you certainly shouldnt see his. Are they accounts or searches showing? You could start by e-mailing to advise them and see what their gonna do about it - dispute any of his entries with them and tell them why, they are then supposed to go double check with whatever company did it. Are your names similiar at all? My mum and I share the exact same name (whole name!) and our dob's read very similar and I've had probs with tehe CRA's/banks/evryone because of it

I know brassed=off, its a blooming headache lol. The £75 seems to be for smaller unsecured loans and £235 seems their standard for secured/car etc.

Wow, you are right PeteT. It was listed as renewal when I posted, surely they didn't jsut grant another that quick My god, do they do any checks? The expiry date is still 16th June 2009 though...strange. Definitely put in a complaint if you have one though, it should help.

The judgement is quite clear, the acceptance fee cannot lead a 'double life'. It is either a charge for credit and listed as such - in which case you do not pay interest on it OR it is credit, which must be included in the Total Credit - and you obviously pay interest on it. They have it doing both. They even state in their precious T&C's that they charge interest on the 'Total Advance', which includes the acceptance fee! The front of their agreement says one thing and the T&C's say the other! It lists Section 9 (4) of the Consumer Credit Act, which actually states: "For the purposes of this Act, an item entering into the Total Charge for Credit shall not be treated as credit, even though time is allowed for its payment"

:eek: wow, thanks for the info sparkie, will start a thread and get the SAR's off asap. Need to sort my parachute a/c 2moro in case. After the way that little nomark spoke to me today, I will be like a dog with a bone on this Some very creative accounting going on methinks

Sadly No, although they think I did My ace sony ericcson phone records conversations, its this I usually use but discovered the other day it aint waterproof *sigh*, so am slighly unarmed at the moment. The timing is unreal.

Had a reply from RBS that they could not find my CCA but they've also stated that they do not have enough details in the system to enable them to re-create the agreement. Then I get a default notice sent through which they appear to have mixed up my details with someone elses on the default notice, amount of arrears way wrong etc. I called them to get to the bottom of it *sigh* and was told woops, just a mistake. He told me to shred it and I said thats fine anyway, the default notice wouldn't stand as the details are mostly wrong the advisor went nuts at me! Honestly, shouted at me, told me he was cancelling my cards and accounts right now if I want to get 'technical' so will they and just take whatever I owe them right now out my account! I still think there is more too it...one advisor suddenly went all Ironside on me when I asked if there WAS another Natwest account in my name - "whether you have or don't have one is not for me to say, I can't talk about both companies in the one phone call, its cross branding" eh? Sorry for the rant but am angry and more than a little suspicious. Anyone know if I put a SAR to RBS group will I get everything RBS and NATWEST etc or would it be £10 to each seperately?