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    • They don't need to force the issue in court. Even though the IVA is officially terminated, HSBC will not release the PPI payment until the IVA provider confirms it holds no interest in the payment. And the IVA provider is already claiming it does have an interest. The likelihood is that HSBC will give the PPI payment to Creditfix and it will then be up to Jacksmyboy to make a claim for the money.
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    • most of the debts appear to be very old and have been sold to DCA's so the OC cant off set them . knightsbridge and their latter co-horts creditfix as well as the PPI reclaimers all stem from the same 'pot' of people and ex-employees etc of one firm or another and were/are only ever out to line their own pockets . we've never seen these force an issue like this to court and I doubt they ever will. it would expose their dirty dealings toward customers too much . terrible set of companies, sadly most of these IVA firms are the same.  
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BankFodder

RBS becoming "inventive" with your documents?

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Sadly No, although they think I did :D

 

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.:mad:


Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Hi Dipply ,........Looks like you are another one who has joined the very special RBS Club with regard to SAR's you will have to SAR both Banks RBS to Edinburgh and Nat West to Bishopsgate London, please state quite clearly and precisely that you will expect full details of any Router Account that has been allocated to you and/or any of your accounts......this is most important. If your account was sent for recovery action it went to CMS....and if it went there you have a Router Account.

 

One of the statements made by Mr Dickenson the vice chairman of the RBS group with regard Router Accounts ....is that they are to prevent one customer being confused/mixed up with another customer of the same name ....interesting that you have been mixed up with someone else....especially at Telford!!!:cool:;):rolleyes::D

 

Myself and Paul Walton have collected 10 to 12 different explanations of what a Router Account is and what their purpose are.........we have our own explanation and to what use these Routers are put and how they are used.

sparkie

 

sparkie

Edited by Sparkie1723

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Hi Dipply ,........Looks like you are another one who has joined the very special RBS Club with regard to SAR's you will have to SAR both Banks RBS to Edinburgh and Nat West to Bishopsgate London, please state quite clearly and precisely that you will expect full details of any Router Account that has been allocated to you and/or any of your accounts......this is most important. If your account was sent for recovery action it went to CMS....and if it went there you have a Router Account.

 

One of the statements made by Mr Dickenson the vice chairman of the RBS group with regard Router Accounts ....is that they are to prevent one customer being confused/mixed up with another customer of the same name ....interesting that you have been mixed up with someone else....especially at Telford!!!:cool:;):rolleyes::D

 

Myself and Paul Walton have collected 10 to 12 different explanations of what a Router Account is and what their purpose are.........we have our own explanation and to what use these Routers are put and how they are used.

sparkie

 

sparkie

 

:eek::eek::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 :evil:

 

Some very creative accounting going on methinks :cool:


Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Dipply as a long standing member of CAG please tell me you recorded them

 

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 :D

 

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 :D

 

Threaten me RBS and I'm gonna have kick your backside for a THIRD time....am gonna hound you - and yes, thems fightin words :p


Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Dipply do tell me you told the silly cow at the end you had recorded her & if so what was her reaction --- I love to gloat:D

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Dipply do tell me you told the silly cow at the end you had recorded her & if so what was her reaction --- I love to gloat:D

 

pmsl, you sadist :p

 

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 ;)


Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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There are rumours now that certain creditors are not only recreating but copying and pasting sigs.

 

Are you able to post up what you've recieved.

 

PW

 

Dont tell me that a well known bank might be adopting the practices of some gutter DCAs.

 

If thats the case said bank could be in for some very bad PR. But then again its all about adding value to the bottom line, even though some would say that copy and pasting signatures is fraudulent.


Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Moe evidence something dodgy is going on. RBS playing game so printing off as much info as poss and noticed this:

 

My loan was listed as unsecured fixed periodic rate, their default notice states this also. Now they it is listed on my online banking as Capital plus interest? Where have I heard that before lol

 

Hmmm:confused:


Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Moe evidence something dodgy is going on. RBS playing game so printing off as much info as poss and noticed this:

 

My loan was listed as unsecured fixed periodic rate, their default notice states this also. Now they it is listed on my online banking as Capital plus interest? Where have I heard that before lol

 

Hmmm:confused:

 

Have you made SAR.


An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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AS sparkie advised, both to Natwest and RBS ;)

 

Need to get proof together, this may still just be very poor and innacurate paperwork, I mean everything they've sent so far has been a pile of poo. But there are just too many wee coincidences cropping up

Edited by Dipply75

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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the change of description means nothing, it'll still be a "fixed rate unsecured loan" and will always have been capital and interest, unless it features a balloon payment at the end. The "periodic" just means paid by instalments.

 

The FSA forced this change of description through this year. Same destination, different route that's all.

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Has anyone had a very interesting thread link from someone in the Netherlands reagarding RBS & another?

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Has anyone had a very interesting thread link from someone in the Netherlands reagarding RBS & another?

 

 

Yes, I have too.Hmmmmmm


Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Yes, I have too.Hmmmmmm

 

Anyone got a link email address as I would like to respond?

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Strange, I had a pending friend request from this person and I checked their recent posts - all about this business of RBS in the Netherlands........but I have just checked again and all posts removed :confused:


Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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careful guys, I think he may be fishing for info, I had one too. Can't quite see the connection, different country, different subsidiary of RBS (no longer has a link into santander), totally different judicial system, regulatory regime, rules and complaints authority.

 

Don't see how anything over there has a bearing on what's happening over here. Remember RBS lost £40M with the Madoff scandal, does this mean we should now be looking at US cases too?

Edited by rickyd

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Hi Folks

 

Its time everyone got together to support other in beating these Bandits

have a look at this and show your support for him. this is just a start

 

YouTube - Royal Bank Of Scotland part of DVD


pick up a penquin two systems for the price of one:?:

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An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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