can anyone help please

[scrumpy jill]

I had an overdraft with Rbs.They closed the account and as I couldn't pay overdraught off they passed it on to Triton. The amount was £1,400 and for the past year and half I've been paying £30 per month. Recently I got a letter from them wanting a higher payment and the amount outstanding was higher than the original £1,400. I phoned them and they told me that my payments weren't enough to cover the charges every month. Is this right for them to do this? I receive incapacity benefit fortnightly and DLA this is my only income. I can bearly afford the £30 as I have other debts and these are also taking charges. Any help would be appreciated.

[IdaInFife]

Hiya,

 

First thing is to send a sar to RBS to get your statements to reclaim back any unfair charges and interest

 

 

have a read around the bank forum

 

http://www.consumeractiongroup.co.uk/forum/#consumer-forums-center-bank

 

and the scottish procedure:

 

Scotland - The Consumer Forums

 

 

and because of your situation you may be able to apply via hardship

 

Hardship applications - The Consumer Forums

 

don't ever call them.

 

just keep paying what YOU can afford and keep everyting in writing

 

ida x

[RHOOD]

A letter ive got states that the bank is commited to treating customers in trouble in a sympathetic and positive way .

 

They will be hammering on charges and interest

charges around £40 and interest about £15-£20 per month = very positive for them.

 

When did they pass the debt on and did they send an ACCURATE DEFAULT NOTICE

 

you can private message me if you want or look at other threads with TRITON

[scrumpy jill]

Thanks for advice.They passed it on straight away can't remember getting default. Just a letter saying that they were closing my account. I will try the bank charges reclaim as I know there were lots of charges on account.

[IdaInFife]

please try and keep any advice in the forums for others to see and to ensure correct advice is beng recevied

 

ida x

[Crocdoc]

No default will be issued in the case of an overdraft

[RHOOD]

No default will be issued in the case of an overdraft

 

Found this on a bank webpage

 

A Default Notice Fee will be payable if we need to serve a default notice on you (for example, if you fail to repay your overdraft on demand or we wish to enforce any security we hold). This is in addition to any other charges that may apply.

[veryweary]

No default will be issued in the case of an overdraft

 

 

We received a default from First Direct for a small unpaid overdraft before it was sold to a DCA

 

With all of our RBS accounts they issued a Default pretty quickly before passing to their internal recoveries department.

 

But surely if RBS closed and sold the account then no more charges and interest can be added. Or is this a new RBS ploy?

 

I would also phone the Finacial Ombudsman about this, as this seems like unfair business practice. With only incap benefit and charges and interest being added you have no chance of ever repaying this. The FOS advisor will tell you on the phone whether they can intervene in your case or not. RBS usually respond very quickly to the prospect of the FOS investigating.

[scrumpy jill]

Thanks for all your help. Will phone ombudsman and have sent letters asking for all charges applied to my account to be returned.