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Incasso re Overdraft

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Hi,

 

well, after many months dealing with various DCA's, I now have a letter from Incasso regards a RBS overdraft

 

It appears from looking around the site that unlike many others who have made threats this lot are a little more serious and are quite likely to start court action

 

So

 

The account debit is made up entirely and beyond of charges/interest/etc but I am yet to enter a claim against the bank

 

Whats the best course of action here?

 

I'm thinking of making a request for info under pre action protocol as I see this as being a quicker way to get my hands on the required info

 

What are peoples thoughts on this and any ideas for what to request via such ?

 

 

Cheers all


omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Thread moved.


 
 

Any advice I give is honest and in good faith.:)

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Thanks MD52!

 

Anyone got any thoughts then?


omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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There is no reason why you could not use cpr 31.16. Or alternatively SAR RBS

 

You would want DN, agreement compliant with the Director of fair trading determination 1st Feb 1990, Statements, NOA if its been sold to Incasso

 

Think that pretty much covers it

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Ace

 

Thanks HB

 

Will keep this updated - CPR 31.16 seems a better track as it shortens the time to receive


omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Actually,

 

think I could have diffriculty wording a pre action CPR - I know some DJ's can get a bit funny if people try putting words in there mouths

 

Thinking i might do better waiting for what seems like an obvious Nothampton claim (with no supporting docs!) and then get an AOS and CPR 18 in at the same time?


omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Ace

 

Thanks HB

 

Will keep this updated - CPR 31.16 seems a better track as it shortens the time to receive

 

 

YES BUT - it's a 'gloves off' approach whereas SAR is much 'gentler'.

 

cpr 31.16 basically says 'I'm thinking of taking you to court tell me all I need to know to 'do you' good and proper'

 

- just so long as you know the difference thats all

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