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Can I still claim even though i paid full and final settlements to rbs 4 years ago

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About 4 years ago I was in so much debt and was taken to court by a number of companies mainly rbs. I negotiated full and final settlements with them and they accepted. Can i now make a claim against them for charges even though the account is closed and is left as satisfied on my credit report. Can they open up my account again and claim the money which would still be owed.

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mod's???

bump


OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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that's a sticky one.IMHO I would be inclined to leave well enough alone,especially if you got off with a clean bill of health on the credit history side....you have to weigh up what you gained by short settlements against any charges you may have incurred.

 

For instance,I had a GM card for years.I had a balance of over £3K,but there was an insurance policy covering it.I had to medically retire after a long period on the sick.I claimed,and they refused to pay out first time.I wrote to them again,spelling out the full circumstances,and when the next statement came in,the account balance was zero.I wouldn't think of going after GM,because I won hands down that time,as far as I am concerned.....


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About 4 years ago I was in so much debt and was taken to court by a number of companies mainly rbs. I negotiated full and final settlements with them and they accepted. Can i now make a claim against them for charges even though the account is closed and is left as satisfied on my credit report. Can they open up my account again and claim the money which would still be owed.

 

You have a good case in my opinion as you can claim that at that stage you were unaware that they were unlawful charges.

Follow the usual procedure.........dpa request first from the bank.

Besides if they were penalties then the agreement is questionable.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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