RBOS Demand Extortionate Payment

[AndyOrch]

Hi BM

 

Further to your pm and reading your current thread first and foremostly as the poster above advises you must S.A.R the above accounts.

A little more information would also be helpfull you state a joint account and two personal accounts.If you could clarify the breakdown ie with/without overdrafts on each how old the accounts are and what the debt relates to would assist in providing further advise in this matter.Have you recieved any Default Notices and most importantly have you kept a papertrail of all events leading to this stage.

If you can provide the above would be helpfull

 

 

Regards

Andy;)

Edited June 23, 2008 by Andyorch

[AndyOrch]

Ok BM

 

So my advice is as above first thing to do is S.A.R (subject access request) copy of the request is in the templates section.Include £10.00 PO payment and send by recorded or even better G/Delivery to ascertain the figures in dispute and to find out the levels of unlawaful charges.No point sending CCA request as these are current accounts.

I would also put in writing that you consider these accounts now in dispute and that you have amicablly tried to resolve a fair level of payment to service said debts and been ignored.This should prevent any attempts of litigation whilst you calculate the figures and render a true account figure.Everything in writing from here on and no telephone conversations.Update me when you have said figures.

 

I trust the above is of help

 

Regards

Andy;)

Edited June 24, 2008 by Andyorch

[AndyOrch]

Ok BM

 

"But yes i have sent the info to CMS Telford" which address did you request your S.A.R from?

 

Thats fine for now we will see what turns up.

 

Regards

Andy;)

[AndyOrch]

Hi BM

 

Ok we will need to see what Miss Booth comes back with.At least you have brought the account into dispute and have a reference number.

They have 40 days as I am sure you are aware, so as Paul says the clock is ticking for their complience.I presume as per your post it went 27th June 2008.lets see what comes back and if nothing further recieved we will have to crank up the pressure.

 

Regards

Andy;)

[AndyOrch]

Hi Blue

 

You need to edit the above and remove your name

 

 

Regards

Andy;)

[AndyOrch]

Hi Blue

 

You need to notify a Site Team member Re editing

 

 

 

Regards

Andy

[AndyOrch]

Hi Just hit the red triangle on the left

 

 

 

Andy

[AndyOrch]

Hi BM

 

Rbos are aware of the time constraints of your request and as such are obliged to provide all information held by said deadline.

With view to your post above which account does this refer to? I presume its the joint A/C? Did you ever offer a F/F/S?

Have you yet to recieve anything by way of the other two personal Accounts?

What is the total amount indebted to RBOS (alledgedly) and what are you currently servicing said accounts in total PM.?

Sorry for all the questions but this situation needs to to take a new direction which i cant advise on till you provide the above information

 

Regards

Andy;)

[AndyOrch]

Following on from what Sparkie says thats why it needs to take a new direction.

 

Regards

Andy;)

[AndyOrch]

Hi BM

 

All makes interesting reading dosent it just.Ok F/F/S = full and final settlement.

What i am going to suggest now might alarm you a tad but if I was in your position I would now open a parachute account with a completely different Bank and transfer my income and D/Ds S/O etc and completly isolate these accounts.You have written to them with your concerns and as so placed them in to dispute.Request another review of your payment plan and request that all interest is now frozen until such time your dispute is resolved.They will always have control of you until you severe the leash.Now at this pont and its your desicion you can either offer a minimal monthly payment or and its a big or stop payment completly.let the rest follow course ie they will instigate litigation proceedures and may issue a claim.You have all the ammunition required to defend this with the penalty charges admin charges etc.Thats what i ment in my previous post about a new direction because you will be on their merry go round for the unforseable future.Choice is yours!!!

 

 

Regards

 

Andy;)