Hi, Just a quick query but a little long winded. Got an basic account with RBS back in 2007. I handled the account well, never going overdrawn or anything like that. I decided I was going to move abroad and moved late April 2009. I changed my address with all organisations to my parents address before I moved. I remember going into my branch of RBS and asking for a change of address. They asked me to fill in a form which I did and handed back to them. I have recently moved back to the UK and having done a credit check can see that I have defaulted on this account. The account defaulted in August 2009. I asked my parents if they received any mail from RBS to which their reply was none. Having looked further into it, the address on the credit file for the default is the old address. It looks like it was never changed. My questions are: 1) If I pay the amount owing, can I have the default removed as I have no knowledge of the default. 2) How would I go about challenging the balance owed, and if I challenged it, would it add to the time the default will show on my account. Thanks in advance

I have an rbs overdraft. i also had a rbs loan which has now been paid off. During the it glitch they took off my loan payment twice. to cut a long story short they then made a bit of a mess, but to make uo for it upped my overdraft limit by £428 for 6 months. I received a letter saying that as of 3 February 2013 my overdraft would be reduced to its previous level (ie) be reduced by £428. February has come and gone with no reduction to my overdraft. I would be in a bit of trouble if they now reduce my o/d by £428. Given that my overdraft was not reduced am i within my rights to assume that i now have a new overdraft limit? If they do reduce my o/d eventually i will complain and ask for an extension (3 months) to allow me to find the £428 which i am sure they will agree to....

[ATTACH=CONFIG]42891[/ATTACH] Good morning Just received this letter from RBS. I have told them in the previous 2 letters that my financial position is just as dire as it was 6 months ago (if not worse) and now they threaten action to recover the debt. Can anyone give me any hints on what to reply as they are seriously getting on my nerves now! Thank you LT

Hello, Was looking for some advice on a RBS Loan PPI claim that I was successful in. I've had a loan for £25k for about 15 years now which has been re-financed several times during this period. I was offered a total of about £1600 , which I accepted as checked with the ombusman who confirmed that the bank will only provide accurate information to me. Since then I had previously requested a SAR which has now come through and the PPI payments seem to be a lot more that what was offered. I dont really understand exactly what was paid or not as they haven't made this easy on the statement, however was looking for some advice on the following: - What would the standard monthly PPI be for a loan for £25k? - Does £1600 sound about right for a loan of this amount - I did stop the PPI in about 2006 so this would have been over about 6 year? - Would RBS have sent me the correct figure? - Can I now challenge this if I have already accepted as I only accepted this based on the information provided to me? Any advice that can be provided would be appreciated as starting to feel like I might have been mislead by RBS with this and want to ensure that I have been reimbursed the correct figure. Thanks and regards J

Hi, Just looking for a quick steer if poss - RBS have offered me £956 for PPI for two loans, looking to understand roughly if this is a massive under offer or not. The loans were: 2004 - 2009, £4000 borrowed with approx. £120 paid each month for 3 years and £45 per month for the last 2. 2007 - 2010, £3000 borrowed, approx. £140 paid each month. Both loans paid as agreed, both with PPI. Any rough ideas of the reasonableness of the £956 offer? Thanks, Mark

Hi all, I have recently sent out SAR to RBS please see my letter below, then the reply from RBS, what a joke, how can they delay my SAR like this?? I know they can ask for proof of identity, any suggestions what I should do / template reply letter.Do I comply and send back what they are asking for? I have some / most of the information they are asking for. PPI Customer Concerns Team, Royal Bank of Scotland Group, 5th Floor, Hardman Boulevard, Manchester M3 Date 20 FEB 2013 Dear Sir/Madam Please send me all data that your company holds relating to my entire account history. EXCLUDING ACCOUNT NUMBER XXXXXXXXXXXX ( THIS IS MY BUSINESS ACCOUNT) Previous address other than above, if there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. XXXXXXXXXXXXXXX, DO NOT SEND ANY XXXXXXXXXXXXXXXXXXXX CORRESPONDANCE XXXXXXXXXXXX TO THIS ADDRESS Please include details of all transactions, and a copy of the original contract by which this account is/was governed at the time it was opened including all amendments made to the contract terms since opening the account. I would also like a schedule of all charges & interest applied to my account(s) including details of any instances that required manual intervention. If you are unable to provide this specific information, copy statements will suffice. All data, including data held on a microfiche must be provided within a reasonable timescale, a maximum of 40 days. In light of all the recent publicity regards the reclaiming of bank charges, some Banks appear to now only be providing a breakdown of charges in response to all and any Data requests. For the avoidance of doubt I do actually require all information held by yourselves. It seems a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all. If you no longer hold data beyond 6 years however, I would like a signed declaration from your data controller and a copy of all documents pertaining to its proper disposal. Whilst not exhaustive and for the avoidance of doubt I shall list what I require: * Full copies of all contracts that exist between myself and your organisation; including copies of any documents you hold in support of same. * Copies of all statements relating to the above accounts. * Copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts. * Copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them. * Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information. * Full details and copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party. * Full copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information. *Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of same, and at the time it was held or provided to a third party. * Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. I enclose the statutory maximum fee of £10. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. You have 40 days to comply with this request. If you fail to comply fully I shall enter a formal complaint with the Information Commissioners Office / FSA which could result in a fine and prosecution. Yours faithfully, ME Dear xxx Thank you for your recent Subject Access Request, forwarded to us form our Chief Operating Office, who are dealing with any bank account or loan requests. With regard to your credit card request, despite our efforts, we have been unable to trace a credit card in your name. To assist us in tracing your account, please provide us with your credit card number if possible, or advise us of an approximate date/year of when the account was opened/closed. It will also assist us if you can provide us with any previous addresses and postcodes, and confirm exactly how your name would have appeared on your credit card statements. We cannot guarantee that upon receipt of the additional information, we will be able to trace your account as it may have been closed for a longer period than our records are retained. If we are successful in tracing your account, we would require either three months original bank statements or an original utility bill, dated within the last six months, showing your current address. We are unable to accept credit cards statements, mobile phone bills or copy documents. If your are unable to supply us with any further details which may assist us in tracing your account, please resubmit your request enclosing necessary proof of address documents. all original certified documents will be returned. If you did not hold a credit card account with us, please disregard this letter. I trust this letter clarifies our position, thank you for your kind co-operation. Your sincerely Sally Ellis Customer Advisor Customer Management Any help / response or experience regarding this kind of reply top a SAR would be welcome, thanks for your help and I hope this threat helps others any help I can give just ask Thanks all STUARTPPI

Hi All Just a quickie Ive now got 4 ppi claims going with RBS these have been going on for over a year now I have all the original paper work so there should be no getting out of it for them:smile:however two claims i had not heard anything from them for a while a wrote a letter chasing them on these two using there ref numbers to get a reply back this week saying "they are unable to progress this matter further" as i have not given the reasons for the complaint i have letters from them about all claims i have got with them these two included saying they are progressing them however to make things more complicated they have now changed the refference number on the there letter so i have not got a clue about witch claim they are talking about is there any way I can hurry them out ? or could I charge them for every letter I send them as they are all sent RD. Thanks CB

Hello All, I sent a few letters off on 20th December regarding PPI mainly to HSBC and HALIFAX regarding Mortgage PPI. Also to RBS regarding C/C PPI. HSBC are looking into my claim that I felt that the mortgage would only be accepted with PPI. Halifax have said there is no record of M PPI although I am 99.99% i took it out it would be in the 90's - Shoud I SAR halifax or is it too long ago? RBS agreed that there is PPI on the accound but deny misselling - a very quick response, as I only questioned whether there was PPI! - I am inclined to follow this one up can anyone assist with an email address, a letter of response or should I go straight to FOS?

I recently submitted an SAR to RBS, sent on the 7th Feb and received on the 8th Feb this year. This was for any and all information in whatever form (as advised by dx on a number of posts). About a week ago, I got a letter from their Mortgage department advising I'd never had a Mortgage. So far all correct. Today however I received two letters. One advising that the Lombard Request I put in should be directed to Santander, so I'll add that one to the Burton/Tandy/Debenhams pile for my next battle. However, another paragraph in this letter contained the following: 'As you have asked us to provide you with all Payment Protection Insurance information, we have also passed on your request to our Credit Card departments and NatWest Bank to enable them to check whether you had PPI on those products. The outcome of those investigations will be sent to you separately.' Not once I had mentioned that I wanted PPI information. I've written back to them advising that the information would be welcome, but in order to comply with the SAR that they would need to send me any and all information in whatever format, reminding them of the date that the SAR would expire. What's more concerning is the letter I got from RBS cards. This advised that they are unable to identify me. Bearing in mind that I'm still a customer of the RBS group (Natwest, but not RBS cards) they would not normally have any difficulty identifying me. All of my Natwest account numbers were contained on the original SAR request which they included with their letter, the same SAR request that contained copies of my passport and driving license along with all of my previous addresses. They also advised that they were returning my cheque. I'd suggest they check this as I only received a photocopy. I've faxed them back this evening advising them that the clock is still ticking. I've also sent a letter containing my Water bill which will be winging it's way to them first thing tomorrow. Another of my concerns is that RBS have pretty much admitted that they're not going to comply as they've stated that they may not be able to trace my account as it may have been closed for a longer period than their records are retained. The RBS card was from (about) 1995 to 2001, Natwest loans in 1991, 1998 and 2004 and a Natwest account from 1988 until today - I understand that RBS have been known to retain information in an 'archive' format from 1992 to 2001 - can anyone comment if they've been successful in getting such information from them? They've asked me to resubmit the letter and cheque to them when sending the identity documents. Am I correct in thinking that if these are 'resubmitted' this resets the clock? Should I be even enclosing a copy of the original letter? I'd like to remind them that the SAR expires on the 20th March, so they're only wasting their time, not mine.

Hi all....RBS have been charging me interest for my 1k overdraft, these charges have taken me over my limit for which I then get a £6 daily charge. Then I get increased overdraft interest charges for for going over my limit. These charges get added to my account which takes me over my limit and thus the spiral continues. I have asked RBS to change the date of when the charges are added to my account but they wont. Are they allowed to add charges on charges?

Some years ago I took out a "draw down" account with RBS, as part of the agreement I had to take out 2 endowment policies with Childrens mutual as a means of ensuring the loan amount would be covered. I paid the set amounts with Childrens mutual and the minimum re-payment to RBS for several years without problem. A couple of years ago I was unemployed and struggling with finances, I decided to cash in the policies with Childrens mutual, which being linked to the RBS account went to them and paid off a large amount (£14,000+) of the outstanding balance, and I continued to pay RBS minimum monthly payments. Early 2011 I found employment and during that time I changed banks, during the change I inadvertantly forgot to change the RBS direct bebit and missed 2 payments. RBS contacted me and made out I was trying to default and wanted the remaining balance (£7000+) paid off. I explained the cause of the problem and made a credit card payment over the phone for the missed amount and said why would i have paid off £14000 just months ago, if I had any intention of defaulting and suggested setting up new direct debit with my new bank account. RBS refused and sent out a form for me to fill in explaining how I intended paying back the outstanding amount of the account. I duly filled out the form and informed them I intended to pay back £100 a month (over 3 times the min payment). This was accepted and I set up a standing order paying the £100 every month to RBS. After 6 months RBS sent another form asking yet again how I intended paying off the remaining balance, when i phoned and questioned the form, i was told the original was a 6 month agreement and this one was a review. I filled in the form and made the same suggested £100 per month. After a few weeks RBS replied and said they felt I could afford more than my suggested £100. To be honest I ignored them and have just continued paying the £100 every month. Now some 2 years later a company called Incasso contacted my wife (as I work abroad) saying they represent RBS and demanding the outstanding balance of £7000. She informed them of the history of the RBS account and that how could I owe £7000 which was the amount 2 years ago when i have paid over £2000 during the last 2 years, and why I am being persued for the outstanding amount when I have continued paying 3 times the original minimum payment iwithout default for the last 2 years. As expected they refused to speak to my wife as she was not the account holder. My wife now tells me a letter has arrived for a County Court claim against me for £7185 and I have only 14 days to respond. I can't understand how this Incasso can proceed with a claim when I have made every effort to pay off the outstanding amount especially as I pay 3 times more than the minimum payment. Ok RBS may not be happy with £100 but at least I'm making every effort and have never missed payment. I feel I have a reasonable case but am concerned that even by fighting this in the upcomming court case I may lose and have a CCJ against me. My request for advice is what would be the best way to dela with this?, any advice (especially any from similar experience) would be greatly appreciated.

I have already submitted a ppi claim to Natwest which I believe is with the calculations dept! 2 questions really. 1) They have just requested authority from my husband as the main policy holder which has really bugged me as this is the first time since the claim was submitted so surely they should have requested this before. Delay tactics? 2) We are on a DMP with cccs atm and the company I am claiming against are 1 of our creditors. The claims are for 4 closed loan accounts. The remaining loan account has already been ccj'd and has a court order to pay a set amount each month. My quextion is, can they or are they likely to offset any claim award against this account with a court ordered payment in place already. I could really do with the payment to fix a few house problems and fix my car which I need for work. any remaining would go to our credittors but I think it should go pro rata not just to natwest. Have any of you guys had the cheque straight to you? I don't intend to waste the money but think it should be my decision who get what! I am also considering a self managed dmp as I don't think cccs have helped that much and were useless when natwest took us to court.

Hi I'm a new user and wanted some advice. I held an RBS Visa card from 2001 until 2008. I recently contacted them (on the back of the publicity about PPI) to ask whether I had PPI, as I had shredded all of the statements. When I was put through to the relevant team I was advised that I did have PPI and was given a complaint reference number. Just before Xmas I received a letter from a Case Officer in the PPI Customer Concerns Team who advised me that I took out PPI when I applied for the card (I'm not sure whether I applied for the card on-line or in person). As the policy was an opt-in policy, the view of RBS as stated in their letter was that they were unable to uphold my concerns on the basis that I had opted in to the policy and received information about the policy with credit card statements. In their letter they provided information about the Financial Ombudsman service and how to make a complaint. I would appreciate the views of members on whether it is worthwhile proceeding to the next stage. Many thanks Simon

Hi there, Recieved a letter back from RBS/Tesco saying signatures do not match up for CCA. Will send them back a reply stating that signature not requiredfor CCA and will pick up from local branch if required. gchads [ATTACH=CONFIG]41609[/ATTACH]

asking for a friend. she opened a chargeback for goods not received on the 8th january, rbs are giving her the run around (in my opinion) theyve sent out 2 or 3 sets of forms for her to fill in and she was told today her case wont be reviewed til the 18th feb. she still doesn't have her money. now i thought (and this is whats happened when ive previously had to do a chargeback) you get your money back then they investigate? feel sorry for her cause its over a £100 she's loosing out on

Around 20 years ago my wife & I opened a Royalties Gold account with RBS. The account made available a sizeable overdraft which we made full use of. In early 2012 I spoke with a branch officer who asked me what plans I had to clear the longstanding overdraft. Not unreasonable. I explained that I was now a pensioner and my wife only had a part-time job and that we needed to remain in a position to care for our disabled son who lives at home. The upshot was that WE would pay £100 per month if they froze charges and interest; and this would be the only activity on the account. There followed a year of RBS collections harassing us for debt clearance. They repeatedly ignored the repayment undertaking which we had fastidiously maintained. I managed to get the FOS to take on our defence (following a visit to CAB) and, at the same time, someone in collections actually exercised their grey matter following numerous complaints voiced by me (my wife isn't 'into' all of this) and finally admitted their error and refunded loads of charges they had allowed their computer to generate. The FOS is still awaiting information. Now the RBS have decided that my wife is liable, in isolation, since I had written all of the complaints. I have notified the FOS but am inclined to issue N1 deploying BCOBs, showing contraventions of principles of Fairness & communication (or lack thereof). Because my Mrs already suffers hypertension and is medicated for high blood pressure, I am also inclined to sue for Special, Incidental and/or Punitive damages to compensate for the effort I have to put in and gain some recompense for my wife's anxiety. What say you fellow members? Can one even seek damages at County Court or will I need to go fast-track?

Hi Guys, hoping you can help me with a big issue my family have at the moment We bought my grandmothers home a couple of years ago. My father remortgaged the property 2 years ago to finance a business venture, which went bankrupt. So we were left with the remortgage at a horrible rate on a £120,000 property, paying out £800 a month. This has been ongoing for the past 12 months. Chopping and changing repayment amounts when RBS decide to 're-evaluate' our position. Basically, we have mortgage arrears of about £4000 on the house, and the mortgage was initially for £100.000. We have the house on the market now for offers over £114,000, however we will probably only get close to £105,000 at best. According to RBS, they are now raising court action because even though we have offered to make lesser repayments and the house is for sale, we are still accruing slight arrears every month. They just aren't willing to give us any more time. They also say even if the house sells we will still owe them a slight amount of money. Currently the house has a lot of interest, with 20 people due to have viewings over the next month. Also, the local council have contacted us and said they would rent the property off us for social housing and pay us £575 a month with the potential to purchase the house off us after a year. We informed the solictor this, but RBS just flatly refused the idea to switch the mortgage to buy-to-let. We asked the solicitor to switch the mortgage to a lower rate, as RBS currently offer between 2.5 - 3.5 % on mortgages. This would have lowered our payments and allowed us to meet them. Again, flatly rejected. At the start of January, RBS had told their solicitors to inform us they required £500 payments over the next 3 months. We cannot afford that, so we offered £250 a month. This was flatly rejected, and shortly afterwards we were informed RBS had raised court action to repossess. The fact that my parents have tried every possible option, with absolutely no leway or help from RBS, surely is in our favour. We've offered to make payments, at a lower amount but still offered, and are able to meet these payments (we haven't missed one since the repayment agreement started). The house is garnering good interest from potential buyers who are all due in to see it soon. We already have a concrete offer from the council to rent it off us, which the bank wont even entertain even though they will get their money that way. Any advice on our situation would be most helpful. The court action was raised yesterday. Just wonder how the courts proceed with this, and if the fact we have done every possible thing to keep paying RBS but they have shot all of our options down would result in us being allowed to keep the house and not be ruled against? Sorry for being a bit muddle in the information, i've just put down everything relevant. Thanks Greg

I desperately need help. I opened an RBS account along with a few others with their forms online intending to try them out and pick my favourite. I received the RBS details in the post but never used or touched the account as I decided to go with Barclays. This was all in early 2011. I then left my address mid 2011 and was of no fixed abode. I was a teenager, alone, mentally ill, disabled and legally homeless. Fast forward to early 2012 after being in care and finally housed on my own and finally starting to get settled. I had a few issues with Barclays so I thought about trying out some of the other accounts I remember I opened. I called RBS to ask for a new card, explaining that I'd never used the account before and I didn't have any information or cards or any of that kind of stuff - they said they'd send it all out to me again, no problemo. I did the same with Santander. Amongst the stress of moving into an empty undecorated home, I completely forgot about bank accounts and never received anything from RBS as they said I would. Fast forward to late 2012, when I get a dodgy looking email from RBS saying they need to talk to me. I called them and they said it was certainly phishing, they don't email people. I tried and tried again until finally I got through to someone who said yes it was indeed from RBS and they needed to talk to me. They explained to me that my account was overdrawn, which I said couldn't possibly be true - I'd never used the account. They vaguely mentioned some kind of cheque bounce fee, and said they'd transfer me to another department to speak to someone. This next department was very rude and hung up on me because I didn't have any information on my account, because I of course didn't have a debit card or any of that sort of stuff. I tried a few times more to no avail, RBS didn't want to talk to me. I went in branch and spoke to a bank manager that said he would sort it out for me. I explained that my address had changed and I had no information on my account, but I tried to prove my identity with my passport. I also told him RBS had emailed me saying they had been trying to contact me - he was also certain that this was a [problem], but asked me to forward it to him when I got home. Whilst in the branch, he also asked for my new phone number and address so he could update it for me, and I emailed it to him later too just in case. I forwarded him the email that same day and he replied explaining that it was indeed RBS, and that there was a problem with my account. He said he had spoken to them and that they wanted me to call them. He also emailed me my sort code and account number so I could give it to them as a reference. However, as I should have expected, upon calling I got the same message - we cannot pass you through security, sorry. I tried and tried again to explain the situation. I tried emailing the bank manager again but he said the same thing over and over despite me explaining they refused to speak to me. At this point I gave up. I had no idea what was going on, and RBS didn't want to speak to me. I should note that I still haven't received anything from them via post at my new address. I eventually tried calling again, and a lady finally gave me some more information. She said they were going to try and trace the cheque number, and she said that there might be some kind of fraud on my account. For them to trace the number, she told me I had to go into the branch and ask them to do some kind of trace. I did so, the manager wasn't there (2wk holiday), but his subordinate said she would do it and call me back within 2 weeks. I got no such call, and my efforts in chasing this up proved fruitless. I tried to contact the same bank manager again but he ignored all of my emails. Finally, he replied and said there is nothing he can do, he can't speak to me anymore, and that I was to contact RBS or alternatively file a complaint. I did so using the website last week and was contacted today on the mobile number I gave them on the form, it was the complaints department. Moments ago, I spoke to a very cold complaints department lady who told me the bank was not liable and it was all my fault, and said I would have to pay up the £600. I tried everything I could. I asked if they had recordings of that initial phonecall too. Eventually whilst on hold I broke down in tears. The complaints lady tried to transfer me to some kind of repayment department, but gave up and said the lines were busy. She said she will call me back later. I am very distraught and am struggling to deal with this whole situation. There is absolutely no way I can afford to pay £600, I can barely afford to eat. The maximum I could possibly afford is £5 a month, which means it would take me 10 years to repay. I should note that have also filed a default notice against me which has absolutely ruined my credit record which I have being trying oh so hard to improve since my 18th birthday. Can anyone help me? I am afraid and I don't know what to do. Thank you for your time

Hi, I have an ongoing dispute about an investment with Natwest/RBS. In the correspondence they've always said I should refer to the Financial Ombudsman Service if I'm not happy with their replies. In the latest letter they haven't answered any questions because they believe they've already looked at the matter enough and simply point towards the FOS (stating that my right to use FOS runs out soon). Firstly: can I rebut the deadline given to me about my right to use the FOS? Surely, I can decide if and when I need to use them? Secondly: I'm wondering if going to the FOS weakens my case against RBS? I'm aware that the decision from the FOS isn't final if it's in RBS/NatWest favour, but I wonder if the small claims court will think my argument isn't as strong if I went to the FOS first as opposed to straight to the small claims? I also wonder if NatWest/RBS are aware of this?

Hi all I have been searching the forum for a couple of days looking for an answer and although there are some familiar comments to my issue the advise seems to be first class so I thought i would post up my scenario. In essence I applied for a refund of ppi payments on a credit card loan. These were typically monthly payments and costs were relative to balance of the card at the time. I had this card for approx 3 years. On receiving the card I got the tear of slip saying that if you wanted ppi to fill in and return and it would be applied. This I still have and it was never sent back as i did not need the insurance. However looking back through my statements it was applied from the word go. I sent a letter claiming back the payments via the standard form and eventually got a letter back stating your claim was being turned down. The reason being was i had a call 6 month later from a call centre selling me the insurance. However when i look at my statement the ppi shows on my statement 6 months previous to this alleged sales call. They also state that as the monthly payment was clearly shown on each statement that i must have known i had it and should have claimed. Surely the issue is that it was applied to my card initially and the obviousness is irrelevant. They have sent 2 copies of statements to show this. They also sent me a copy of the terms with the cancellation rules and say it is clear. On this my counter argument is i did not receive any docs. Do I have a case to go back to them with or do i go to the ombudsman. Are these legit reasons to not pay out etc. Any advise would be most appreciated Thanks MossgG

Just noticed this one so have popped over from the bailiff forum for a mo Link to an article that is telling RBS to cease using Charging Orders like confetti on low value debts: http://www.telegraph.co.uk/finance/personalfinance/consumertips/banking/9795724/OFT-bars-RBS-debt-collecting-that-puts-homes-at-risk.html several comments basically saying the bailiffs should clean the houses of these debtors out and flog their chattels.

Hi All, Looking for some advice on my Natwest Credit card PPI claim/RBS SAR request: - Natwest CC - SAR request sent - Reply received with 2 letters both from RBS. One is from the Card centre stating that "as the account is no longer active they are only able to search for an account with a 16 digit credit card number. If you are unable to provide the card number, and we have been unsuccessful locating your details on the information provided, we will be unable to find your details on our system" - They have returned my £10 cheque also. This account was open between 2004-2010 and I have provided them with extracts from my statement and my full details....I also still hold a RBS account so find this unbelievable that they cant track down this credit card account. The 2nd is a general SAR reply stating that they have returned my £10 cheque and will not charge me for a full subject access request as they are experiencing large volumes of PPI requests, however we have provided you with details relating to your loans with the Royal bank of scotland plc. This includes about 10 accounts with "unknown" quoted in the PPI field apart from one where it states £3416 added on outset of loan between 20.05.2004 and 25.08.2005. They have also said that they have passed on my request to their motgage and credit card departments to enable them to check whether PPI was applied on these products. The outcome of these investigations will be sent to you seperately. Any advice on what to do next would be appreciated? Thanks Jon

I will not give you the full sob story, but I stopped paying this (and other) CC two years ago because I did not have the funds to maintain payments. I sent an SAR (including a request for the CCA) to RBS back in May 2011 and they responded stating that they 'were unable to obtain a copy of the original application form'. This card goes back a long time, certainly pre 2007. I think it was originally an Access card. I (stupidly) did not put the account into formal dispute. I believe that all the necessary default notices etc. have been served by RBS I recently arrived back from overseas to find a County Court claim (attached) had arrived in the post. This is dated 27th November, so I do not have much time to take action. I would very much appreciate some advice on the best course of action. Should I contest on the basis of there being no agreement? If so, how should I go about that. Am I better off contacting Shoosmiths and agreeing some kind of payment plan with them? Are there other options? Thanks in advance

Hi, I've just received a letter from RBS regarding an SAR I have requested. The letter states that - 'as you no longer hold an account with us, to protect you from fraud, we need to verify your identity before the request can be completed. Please send three month' original bank statements or an original utility bill, dated within the last six months showing your current address. We are unable to accept credit card statements, copy documents or mobile telephone bills.' Although I understand I do have to provide the info I'm struggling to provide originals as I only receive a Credit Card statement on paper which I am unable to use. All other statements are online which means I have to copy them. The letter does say that - 'Copy Documents WILL be accepted if officially stamped and signed by a Solicitor or a Natwest or RBS branch'. Is this true? I'm not considering going to a Solicitor but I will copy some bank statements from my Lloyds Current Account and take them to a local branch so long as I don't turn up and get refused. The last possible sticking point is the claim that they cannot guarantee they will be able to trace my account as it may have been closed for a longer period than their records are retained. My account with Style/Envy ran from March 2003 to February 2006 so is just outside the obligatory 6 years. A couple of SAR's I have received have gone back further than 6 years but it may be RBS are letting me know that even if I do provide the necessary proof of I.D. I still may not get the statements. The reason I am requesting an SAR is RBS have 'made an offer, accepting no liability' but it is lower than I expected though I have no proof. Thought it best to find some proof before going back! If I can try refute any current and future problems RBS will provide it should make things easier when I go back to refuse their offer, any thoughts??? Tenmen10

Hi All, I'm not new here but also not a frequent flier, in the past the info and advice I have gained from this site has stood me in good stead...... so I'm back again, sorry. I have 2 defaulted (delinquent) credit card debts on my file that I would like some advice on, apart from these my file is good with loans, mortgage and mobile phones all perfect. The defaults are from a time shortly after a difficult period in my life, I'm now in a much more stable position and would like to get these errand debts at least under control. I would like to point out I am not looking to avoid my obligations but I'd like the odds to be in my favour where ever possible. The first is for approx £1800 to Cap 1, the default date is Aug 07. I sent CCA request which was not satisfactory so I told them the account was in dispute and just turned my back, since then I've lost count of the amount of DCAs the debts been through, all the usual supects. It's now with Low ells. In light of the fact that next Aug the default date will be six years ago am I best to leave this well alone? The second is to RBS and is at almost 5k, default date on this one is 2010. I would actually be willing to start paying this off, there are charges on the account but I wondered whether it was best to start clearing the debt first before sticking in a SAR. Also if I start making payments on this will it's status on my credit file change and start looking favourable again? I'd really welcome any advice on this matter as next year I'm looking to expand what has been a one man band working out of a single garage and get proper premises and I'm guessing I'm going to need the banks help. Many thanks in advance.