Hi all, I'm brand new to this forum & wondered if RBS Advanta still exist? I have a credit card contract signed with RBS Advanta - and this seems to be MINT now? Is the RBS Advanta credit card contract a valid contract still? I'm being taken to court by the Royal Bank of Scotland over a credit card loan, which I signed for with RBS Advanta for £3,500 back in 2003, but they kept on increasing this, without my permission or requests, to over £9,000, and now I'm unemployed I cannot afford to repay this, and they are taking me to court when I have no money? Can they do this when only £3,500 signed for? Also, signed with RBS Advanta (not MINT)? Any help here would be greatly received, feeling desperate, thank you. Round table.

Hi I'm looking for some help with my RBS PPI reclaim. I have made a succesful complaint against RBS, they have conceded my complaint and are prepared to offer me a refund. This is all fine, except i am in arrears on my loan with them and they would not tell me before I completed the acceptance form whether they would refund me in cash or a balance reduction. I spoke to somebody who advised me that they would need powers of consolidation relating to windfall payments, drawn into the original credit agreement to be able to do this. As such i wrote to them with a S77 request, and subsequently a request for them to provide me with the terms and conditions that i signed at the start giving them the right to do this later on. I received a response back from them to the S77 request stating they were unable to locate my credit agreement, and consequently the terms and conditions i had signed at inception. I understand this may give me a case for unenforcability, but i would like to get my cash back from them before i go down that route. I returned my acceptance form back to them, and they have refunded the cash back into a current account i had with them that was overdrawn and defaulted, thus swallowing my PPI refund, for a totally unrelated agreement???? Any help or guidance on what i should do from this point would be much appreciated. Many thanks

Hi, I'm new on here, hope you can help Some weeks ago I posted my PPI reclaim documents to my bank (NatWest) and a few days later I received a text message from RBS saying, "Thank you for letting us know about your concerns regarding your PPI policy. We will acknowledge receiept in writing within the next 5 working days." This was about 5 weeks ago, since then I've heard nothing. Not received any written acknowledgement, email or any other texts. Is this normal? What should I do now? It seems from the text I received that they have got my documents but since then nothing has been actioned. Should I give them more time or should I chase this up? (who do I speak to?) Hope one of you guys could help me with this. Thanks for your time. Ginger.

Hi have a Royalties Gold account which we pay £12.99 a month for. Never really used the benefits but recently have had to make a claim on the travel insurance. My mum died 7/9/2012 and I was going away on the 12/9/2012. Obviously I never went and have been trying to get my money back. I rang and informed them and was sent a form. I got confirmation off easyjet for the flight, a cancellation invoice off asda travel for the hotel, copy of death certificate and a letter off my mums GP. Anyway that was not enough. I got confirmation off the hotel to say I never arrived and another letter off my mums doctor. That still is not enough. I now have to send the [roof of booking off easyjet, the booking off asda travel and a medical questionaire needs filling in off my mums doctor. I am apalled at the way they handle claims like this. Its bad enough losing your mum let alone what you have to provide. Anyone else been in the same position?

Hardly surprising given aftermath that recent computer problems have seen by 3 banks. http://www.bbc.co.uk/news/world-19929376

29-8-2012 I paid £6.00 for petrol at local gas station, one of the malthurst Group. Plenty of cash in account, no worries, forgotten all about it. I was checking the accounts on Monday, (1.10.2012) when I noticed my current account was £6.00 overdrawn. This is odd as I do not have and do not want an overdraft facility. If I tried to use my card when there were no funds in the account the card would be rejected, simple as that. When I looked to see what had caused this, it is the £6.00 I spent on 29-8-2012, only just put through for payment now! And of course it had to be when the account was empty didn't it? I checked with the bank straight away, they say this is quite common and sometimes accounts aren't debited for up to 6 months later. I rang the garage and spoke with the manager who assured me that everyday at 12 noon, a list of all receipts is e-mailed off to whoever for clearance/whatever it is they do. I am stuck in the middle here, this is unfair as I did not know that my £6.00 hadn;t been taken on 29-8-2012, and in any case when it came in late the bank ought not to have paid it as it caused an overdraft. I know its only £6 but it could have been £60 if I'd filled the car up that day, and anyway its the principle of the matter. Can anyone shed any light on what might have happened here? I've been hit for another two lots of £6 as the daily charge on being overdrawn. I've cleared this £6.00 now, and the other charges come later in the month. Willing to have a go at whoever's fault this is, but I cannot fathom out whose fault it is!

Hi I have the usual problem of having PPI when i don't need it. I opened the card in Apr. 2002 and it is still going. I have phoned them today to inform them of my complaint and to get the ball rolling. I have been making just above minimum payments to my card (which has a limit of £2800.) for about the past 5-6 years and as i dont really bother with statements, until looking at a few recently the ppi payments kept on putting me over my limit every month and generating an overlimit fee every month aswell. So i have been getting no where at all with the balance. Am i able to try and claim the overlimit fee's aswell or would that be just pushing it, because after having a good look through had the ppi not been on it i would have paid the card off by now. Thanks in advance AM

I am absolutely fuming at RBS and would like any advice, suggestions from anyone as to what I should do next apart from tear my hair out. I am joint executor of my late mother's will. My brother asked if he could handle the administration of it on his own and was told, categorically, through a lawyer he has acting for him in another matter, absolutely no way. He told his lawyer he would contact me. He did not. Now he has emptied one of my mother's bank acounts with RBS and the bank is telling me it's a family dispute and to seek legal advice. They sent me a copy of the will he used which names me as co-executor but from which my address is missing so it's not a true copy. Apart from that, because he's **Expletived deleted ** - and an ex RBS employee - I'm having to fork out to get a Grant of Administration and am just about to ask the bank how they propose I do that when they've allowed him to empty the account. And I'm threatening the Ombudsman. Apart from sending me a copy of the will he used, which they must have believed to be a true copy of a certified document, they are refusing to send me any correspondence they had from him in the "winding up of the estate". I can't believe it. I am a joint executor and involved in the winding up of the estate. They have, basically, changed my mother's will.

Hi, I filed a ppi claim with the rbs on a loan I had some time ago I received a letter around 2 weeks ago basically saying On this occasion i have been unable to confirm precisely what information you where given at the time you purchased the policy. In the circumstances, as a gesture of goodwill and without any admission of liability, the bank is prepared to make you the offer detailed below: I returned the slip signed to say I would accept there offer around 2 weeks ago. In the meantime another ppi claim also with the rbs has been paid into my account no problems and I only sent the slip back last week. I called rbs to query the first claim of why it was taking so long and the lady I spoke with has advised I need to take my driving license or passport into branch to be copied and sent to them before they will pay the funds to my bank account. When I asked her why she said to verify it was me who signed the slip. I find it a little strange as the it's only £278 but they have already paid £2678.25 no questions asked from my other claim. Is it really to verify who I am or is it for something else? Thanks Dani

I went to withdraw money from cash machine last Monday and discovered my card had been cancelled. I rang my branch to ask why and was told I should have received a replacement due to santander taking over Rbs. I told them I had not received a replacement and she put an order in for a new card, and told me it would take upto 5 days to come through. I phoned again today when it did not come in todays post to be told it had been sent out and I should have received it. They have now ordered yet another card & I have to wait another 5 days for this one. I told her I needed money & couldn't get to the bank before they close so could they issue me with a pin number to withdraw money from cash machine, She told me as my card is cancelled there is no way of doing this. When I said I was puting in a complaint she asked if I would like the manager to call me (this was at 3pm). I am now waiting for a telephone call from the branch manager which isn't looking likely as they close at 4.30. How am I expected to get money if I cant get there before it closes? I am furious with them. x Roz x

Can someone please help me with this. I've contacted RBS Credit cards in an attempt to obtain my old card number, with a view to reclaiming PPI premiums. The bank have written back to me to say unless I can provide my account or card number they are unable to trace my details. I checked the template library and found the SAR request template and would like to know if this format is still appropriate for use. I know there would have been plenty of the unfair charges on this but don't know if you can still claim for these so would any part of the letter need to be edited to suit? Any advice greatly appreciated

OH has had a letter from Hillesden Securities claiming to be acting on behalf of RBS. He fired off a CCA request but they have replied saying they are acting for RBS and he'll have to ask them for the agreement. Is this right?

Hi, Hoping someone might be able to give a little guidance for me and even maybe a letter template. I recently got my fiancee to check her credit file and get her score from Experian usign the 30 day free service, so that we could see how we were both looking. When my fiancee's report came back there was a default logged against her for RBS. Looking into the information it appears that she went £25 over her overdraft limit and since then the charges have piled up and amassed to a staggering £723 in 24 months. They logged the deafult status against her last year in August, even though the debt had been creeping up gradually since before then. I asked my fiancee about this and she swears that she went into her local branch and asked them to close the account, as she had moved her banking to BOS at that time, clearly they didn't do this and because of it they also allowed a DD to go out which triggered the charges. She tried to ring them but the guy on the phone was so rude and unhelpful, he effectively told her he couldnt do anything as they had passed it onto a debt collection company and she had to deal with them. I asked if she's had any correspondence but she also moved house soon after and never redirected any mail etc so never new about it. We havent even had anything from a debt collectors as it looks like the debt is now registered against her last address which she moved out of a month after the default date. I guess the debt collection agency will catch up eventually but I am really looking for some guidnace on the best approach to take with them as I can't believe they have let what appears to be a £25 cost accumulate into such a massive debt and are now effectiovely washing their hands of it. This is having a massive impact on her credit rating, she has no debts whatsoever apart from a small OD with her BOS account that is managed perfectly every month. I am sure that if teh RBS default wasnt there it would be much healthier. Any help would be greatly appreciated. Kind Regards Bingo

Hi All - I had a really old RBS account/loans.ppi but I do not have the account numbers. I know the branch , the names of the accounts and the relevent dates. These date back to 1987 - 1995. I sent a S.A.R in to Edinburgh and they sent me back info on my currently used accounts which clearly I know about , so I rewrote asking for the correct data and they said as it was over 10yrs old they did not have it and suggested I visit the old branch , which is where I started in the first place. I do appreciate these are ancient accounts but I cannot see why they do not possess this info. Any suggestions as to how I move forward would be appreciated. Many thanks:smile:

Hi On the 28th June 2012, I sent via recorded delivery a CCA request to RBS. I enclosed the £1.00 Postal Order but so far have recieved nothing back. The Royal Mail track/trace says it is "being progressed through our network for delivery". I know that bulk delievery does not get signed for induvidually but how do I prove it got deivered? Is it easier just to send another one hoping it get 'signed for' or would it be best to complete the Royal Mail lost/damaged/delayed claim for . ..I know from experience this will take about two month and will simply say the PO has been cashed - but not by who/where

having just checked my credit report,its showing an rbs current account that i have defaulted on from a few years ago.i no longer bank with rbs. after looking at the details it states the start date was 27/01/1999...i would have been 12 years old on that date and in 1st year at high school which makes me suspicious. tried to get the address where to send an SAR to and chat and telephone agents i spoke to just keep giving me the branch that the account was run froms address,is that correct? so glad i checked my credit report,i know for a fact there are some dodgy charges on the account cause i disputed them about 5years ago i gave up cause i was getting nowhere and being young and naive. im not 100% sure the default date is correct either

News as at 5th.July suggests it could be next week before all issues are resolved.There are many reports of failed direct debits and some being duplicated.

i opened a rbs account for when i started work. I have not validated the account card as i hadnt started work. I have just received a statement saying that because i havent paid £15 service fee, there are £90 worth of charges on the account, at £6 per day. I didnt know that i had to have £15 in

Customer Update Many customers should continue to see an improved position on their accounts today, with account transactions continuing to update. We now expect that next week (commencing 9 July) will be the final week of any significant delays for Ulster Bank customers. We expect gradual, but significant and noticeable improvements throughout the remainder of this week and next. It is our expectation that by the week of the 16 July the vast majority of customers will return to a normal service. There may be some final reconciliations required to customers' accounts.We will provide updates daily on our progress. You can find out more by reading the latest media statement from RBS Group. We know this disruption to our customers is unacceptable and we're committed to doing all we can to help as many of our customers as possible. 42 of our branches will have extended opening hours from 9.30am to 7pm until Friday 6 July. . To help us facilitate your requests, please bring photographic identification and your account details (account number and sort code) . Please bring your payslip if the balance does not reflect any salary payments. We have also doubled the number of staff available in our call centres. Our dedicated help desk is open 8am to 10pm to take your call on 0800 231232. If you are calling from abroad please call +4428 90843556. We confirm that no customer will be permanently out of pocket and there should be no adverse impact on customers' credit ratings as a result of this incident. We will continue to post daily updates here. Follow us on Twitter @ulsterbankgroup Key Questions on Customers' Minds How can I access cash? If your balance does not reflect up to date payments due into your account, please come to any Ulster Bank branch with your photographic ID and your account details. Please bring your payslip if the balance does not reflect any salary payments. Ulster Bank credit card holders may also use their card for cash withdrawals from an ATM; no cash advance fee or interest will be charged for using this service provided the amount withdrawn is repaid within one month of the withdrawal. What is the situation with lodgements made to my account? Electronic payments are being received into accounts but they are delayed. If your salary, pension or welfare payment was due to be paid into your account before Thursday 21st June, this is now in your account balance. If you were due to receive your salary via an electronic payment between Thursday 21st and Friday 29th June this may not yet be in your account. Lodgements of cash or cheques made over our branch counters from Wednesday 20th June are receipted but have yet to be credited to customers' accounts and will be credited as we clear the backlog. What about my direct debit, will it be paid? Direct Debits that were received between 21st of June and 3rd of July will be paid; however, you may not see these reflected in your account until our systems have been fully restored. Direct Debits up to 20 June have been processed as normal. You may wish to let the beneficiary know that there is a delay. We understand that customers are concerned they might get disconnected from a utility or service provider if their account is not paid. We would like to reassure our customers and those of other banks, that we are working with other banks, service providers, insurance and utility companies to make sure that, as a result of this issue, customers will not be without their services, will not be permanently out of pocket and will not have their credit record affected. Is Anytime internet and mobile banking operational? Yes, our internet banking and mobile services are available to allow you to view your accounts, make transfers and pay bills. Please note that you will only be able to make transfers and pay bills on Anytime internet or mobile banking up to the stated balance which may not be up to date. As we update our systems there may be times when the service is temporarily unavailable; if this happens please try again later. Please remember we will never contact you to ask you for your PIN or password. We have suspended our text balance service while we resolve this issue.

Credit reference agencies have warned that late payment of bills can make it more difficult and more expensive for consumers to borrow money in the future and that people will have to be able to prove any payment problems were caused by the banking glitch. James Jones, head of consumer affairs at Experian, said: “It is perhaps yet to sink into the public, the potential ramifications in terms of adverse data about repayments. “If any payments are delayed, you really need to have a conversation with those creditors.". “Many organisations now share data. It’s not just traditional lenders but mobile phone companies, utilities, broadband providers, mortgages, hire purchase agreements.” Mr Jones added that lenders should allow seven to 10 days before recording a late payment. Meanwhile, Neil Munroe, executive director of Equifax, said the agency was anticipating “more disputes” about missed and late payments. Experian can be contacted on 0844 481 8000 or at experian.co.uk Equifax can be contacted on 0844 335 0550 or at equifax.co.uk Callcredit can be contacted on 0845 366 0071 or at callcredit.co.uk Make a list and keep receipts The Financial Ombudsman Service (fos) has warned that the knock-on effects from the computer meltdown could take some time to rectify. FOS spokesman David Cresswell said there would be a “ripple effect from the original problems”. He urged consumers to keep a detailed record of all their transactions, including receipts, late payment penalties and overdraft fees. “What you need to do is make a clear list of how you have been affected, so you can go back to your bank and say: ‘This is the complete picture, how can you help?” he said. How to complain to the Financial Ombudsman The FOS advises that complaints should be made first of all to the bank or company concerned. They have eight weeks to look at the problem. The FOS can contact the business on the customer’s behalf. It added that it may be able to provide compensation to some consumers if the bank is unable to resolve all disputes on its own. The Ombudsman can be contacted on 0800 023 4567 0800 023 4567 or at financial-ombudsman.org.uk. Beware of e-mail [problem]s Many of the Natwest, RBS and Ulster Bank customers affected have reportedly been targeted by fraudsters following the banking calamity. According to the Government’s Action Fraud centre, phishing e-mails are in circulation, claiming to be “security upgrades” and asking people for their account details. People are being urged not to click on any links or attachments in suspicious-looking e-mails. The RBS Group said it would never contact anyone in this way to ask confidential details. Bank contact details Customers experiencing problems can contact RBS and NatWest on: 0161 931 9959 0800 656 9639 0845 777 7766 If you’re calling from overseas the numbers are: NatWest +44 (0) 8705 88444 RBS +44 (0) 13154 98888 Ulster Bank customers can cal: l Republic of Ireland 1800 205100 Northern Ireland 0800 231232 0800 231232. Rememeber you demand that your credit file is cleansed of ALL entries. If you found a late payment on your credit report, take it up with the lender and if they refused to remove it, you could of course add a statement to your report (called a notice of correction) to make sure anyone using the data in the future is fully aware of the circumstances.

HI All To cut a long story short I Sar'd RBS a year ago over some other issues and recently was surprised by the amount of charges on My Business account looking at the information sent with the SAR it appears that these charges have been excessive over many years after speaking with the business relationship manager he told Me " That as my Account was to be sold to Santadare I would under no circumstances be able to make a claim for these " has any body had any experience of this ? or is it just RBS doing what they do best:-x Thanks CB

I have been paying RBS an agreed amount every month to clear an unsecured loan for the last 2 years, which is reviewed every 6 months. However I have just had a letter now saying that they will not accept the same amount as my 'offer of repayment is unaccepatbale due to your housekeeping and travel expenditure being deemed excessive'. Not sure how it is now excessive when it wasn't 6 months ago! Any advice?

Millions of NatWest and Royal Bank of Scotland customers have been hit by technical problems which have resulted in balances not being updated and online services being unavailable. A message on the banks' websites reads: "We are currently experiencing some technical issues which means that account balances have not been updated, and are still showing a balance from Wednesday. Some services are also unavailable online. We are working hard to fix this issue as soon as possible and will keep you updated on progress." http://www.guardian.co.uk/money/2012/jun/21/natwest-rbs-customer-technical-hitches

Hi, My account is due to move from RBS to Santander imminently however I am slightly worried due to the whole process of credit checking, when I opened my RBS account it was only allowed a basic key account however over time I have managed to build up a good standing with the branch which has allowed them to give me a royalties gold account. The problem I have is that Santander declined my application for a bank account a few months about when I was looking at transferring over to take advantage of the £100 credit offer..When I ask about the credit check affecting me when I was moved over to them following the RBS Sale I was advised that I will still be credit checked once I am moved over and if I fail that then they have the right to close my account... is this right? What can I do as apparently I have missed the chance to move my account over to Natwest now due to the tight time windows. Many Thanks Scott

Just rang my local RBS and stated that i do not wish to be transferred to santander. They have told me that as a personal customer i can insist to stay with RBS and have my account transferred to Natwest as English natwests are not included in the transfer (only scottish natwests and english/welsh rbs's) Just waiting for a call back so i will update then