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    • Thanks for the reply @Will Goodfellow tbh, that is what I suspected from the reading around in have done.   So HSBC wouldn't likely accept the certificate of termination alone or a copy of the proposal from Knightsbridge that we signed..?   But how would we make a claim for it from Creditfix?    Thanks
    • I'm pretty sure I was paying Cabot.  I had a phone call from Cabot at the beginning of last week in which I told them I was happy to cooperate but  would prefer to do so in writing.  It was after that I received the letter from WH.                       i
    • Good afternoon guys.   Just to provide you with an update, they are taking me to court under the TFL byelaws. I have drafted a second (esentially) grovelling letter, can you please advise on whether it reads well and on any parts I should take out? 
    • And again I see Vanquis getting mixed up with Notice of Default rather than Default Notice (there is no such document in English Law or the CCA1974) its an American Legal Document which is connected to Mortgages and Foreclosure)   Your default notice is attached to a Notice of Default ...which is dated...but look at the Default notice itself...its not dated....   A recent cagger lost his case on this fact as the judge accepted the date on the Notice of Default could be accepted as the start date as the letter connected itself to the Default Notice.   As for the agreement NA1 they state in their statement its a reconstituted version of the agreement relied upon......yet you applied on line so your name would not be on the agreement at this stage....as DX states it would simply be a tick box.   Look closely at the start of the agreement it refers to parties 1.2.......you yourself your means the person signing this agreement and whose name and address is stated on the Reply Card or Application.........which renders the alleged agreement as nonsense...as there would be no requirement for an online application to contain 1.2.   Andy 
    • Thanks for the reply @Will Goodfellow tbh, that is what I suspected from the reading around in have done.   So HSBC wouldn't likely accept the certificate of termination alone or a copy of the t&cs from Knightsbridge that were signed..?   But how would we make a claim for it from Creditfix?    Thanks
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Gibby Haynes

Regal Credit

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Years ago I had an account with a Royal Bank of Scotland and got into financial trouble. Various excessive charges, bad advice from Baines and Ernst and my own spending later: the account was closed and sent to the RBS recovery department.


For at least four years I have had a standing order paying this debt at £10 a month and heard nothing.


They have sold this debt to Regal Credit who have demanded the total amount.


I have checked with RBS and the money I was paying was going into my old account but they've advised me to canccel the standing order to them and deal with Regal.


I did not phone Regal after reading about them on this forum and their business practices.


I sent an initial payment and an offer of subsequent payments in writing.


I have now received a demand for a debt that is quite clearly belongs to someone else.


Is this an attempt to get me to contact them by phone or something more sinister.


Have I made a mistake in contacting them at all?


A debt of £500 is mine but this is asking for over £1500 with a completely different reference number.


Is this just a front for extortion?

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Guest Old_andrew2018

Replying to bump your thread, you should only ever write to people such as these, I would think it is best to write to them staitng you do not recognise this debt.






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Hi Gibby, You can contact them but DO NOT if possible, give them YOUR contact number.My wife has had problems with this lot recently,she had an old STYLE credit account card many years ago with RBS. Anyway to cut to the chase, she arranged a plan to clear the account by aug 07, by the way nothing signed, direct debit cancelled aug 07.Heard nothing until last week when letter arrived from this regal lot demanding payment for £724, She called them and this arrogant tit explained that this sum was purely interest on the account. Anyway, sent CCA request to them and SAR request to RBS, awaiting outcome.

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Gibby you say 'account' was it a bank account ? with an overdraft ?....

If it was then I would send a SAR request to the Royal Bank Of Scotland, to recalim all the excessive penalty charges that have been added to the account, don't forget you can add 8% compounded interest too....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.


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What brilliant points.


If I requested the electronic record from RBS for the account number on the second letter I got they'd be in breach of the Data Protection Act because it's not my account.


The debt that is mine (the first letter) was indeed from an overdraft. There were a lot of charges on it. Hasn't the deadline for claiming charges back passed? Do you have a credit agreement for a bank account?


I regret now sending a payment as they didn't know for sure it was me and were just phishing? The fact that they then sent me someone else's debt proves they are unreasonable and unethical. They obviously buy bad debts in bulk then try and get them paid by whatever means possible and from whoever they can frighten with false threats. Kind of like a sales team getting leads and earning commission. How can I trust them to knock any payments off the right debt?


I have written them one letter but I'm not going to phone them. I'm going to ignore the debt letter that isn't my account. I also check online banking everyday to make sure they haven't used the account details on my cheque to set up a bogus direct debit ( a' la Jeremy Clarkson :rolleyes: ). There's no way I'd trust them with Debit Card details. If I wait until they send me another demand for the right debt which shows that the balance has been reduced by my payment should I pay again? Even if I paid it all off they could still try hound me as a soft touch for other people's debts (which I wouldn't pay, of course, but the letters are still depressing).


I have also read elsewhere that a lot of these dubious companies use the £1 you send for a S.A.R as a payment on the debt, even it isn't yours, then say because you've made a payment you've admitted responsibility for the debt! :eek:

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I've now been sent a direct debit form for the correct debt with the amount I've paid deducted.


Should I fill it in?


I'll make sure there's only enough money in the account to cover the correct DD amount in case they try and up it.


They could have taken my bank details from the cheque I sent so I won't be giving them something they don't already have.


They could have scanned my signature from the cheque too, for nefarious purposes.


Think they may have been chancing their arm with the letter for the debt that wasn't mine hoping I'd ring them.


Just want to get rid of them.

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Guest Old_andrew2018


I think you should send the SAR letter, after this you will be in a position to decide what to do.

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