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Answer From Fos/rbs


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After 1 year chasing RBS for a copy of my CCA, and 7 months with FOS.

Just received a call from FOS saying that the RBS are unable to loacte my agreement and that there was nothing else FOS could do.

I cannot beleive that these big financial institututions are allowed to get away with this.

 

Is there anything else I can do, or is this the end of the road?:?

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May I ask how old the agreement is ? and as you may have already seen then no agreement = unenforceable debt !!

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.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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Are you able to start up another account with a different bank and start shifting funds before RBS help themselves ?

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I'm suprised RBS haven't offset between a/cs. It would be wise to open a parachute a/c with an unrelated bank.

Anthrax alert at debt collectors caused by box of doughnuts

 

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I haven't missed any payments, ive still been paying, don't know what really I was expecting to happen, but thought the FOS would be able to do a bit more, I have found out I have been paying PPI and this has been front loaded, so maybe try and get them for the PPI.

 

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Ask for a PPI refund & tell them you want paying back by cheque, not deducting from the a/c. Change your a/cs & then stop paying them because without a CCA they cannot enforce the debt.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Very interesting....then if it was 2004 then they are in breach of the money laundering laws !!! You'll be interested to read this - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/156851-gruff-rbs-cca-request-2.html and it has a link to this thread too - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/93884-wescot-rbofs-oh-dear.html

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.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - 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.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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