Taking RBS to court

[diddydicky]

have you been making any payments to RBS over the last 6 years?

[Billywhiz]

I was making payments through cccs until 2 years ago. The ccs divided my payments into two amounts. one was supposed to be to my current account to pay off my overdraft and one to pay into the loan account. However between them they managed to cock it up. Both payments were made into my current account. This means that I haven't made a payment into my loan account since 2004. My current account at one time was £4,500 in credit but this eventually disappeared into a Router account. I found all this out when I looked at the information sent as a result of the DSAR. At the same time they wrote to me saying that they didn't have a copy of my loan agreement. If I wanted to be really cheeky I could write to them and demand the £4,500 back I think. I'm still pondering my next move but there's no rush since they aren't bothering me any more and the more time that passes the less of a case they have.

Edited June 20, 2010 by Billywhiz
missed out some info

[Billywhiz]

I have not heard from rbs since they sent me their response to my data request last year. Credit report due to be cleared in May next year. I think I've WON and by Xmas I will be debt free! If you keep challenging them they do back down eventually. Never give up if you know they have been using shady tactics to steal your money. It's taken six years but I've now paid back what I owed and not paid the money they tried to swindle through PPI mis-selling

[means2anend]

So far so good

 

m2ae:-)

[Billywhiz]

you need to get in touch with the bank. I'm just a dissatisfied ex-customer.

 

 

 

 

 

 

 

i'm just a dis

[patrickq1]

looks like we have a troll

[Billywhiz]

To the site team. Thanks for removing it so quickly.

[patrickq1]

probably someone who is a footsodier a little underling who sqirms like mr muscle and could mess his pants at anytime huh ,that is a troll or bankclerk lol

[Billywhiz]

I won! I checked my credit reports today and all mention of rbs has gone. My relationship with them is finally at an end and my credit rating is now good. Champagne tonight I think.

[bustthematrix]

Hi Billy

I'd like to rejoice with you, but are you sure you've 'won'? I note you say it's taken six years...isn't that the statutory time limit by which ANY closed credit account has to be removed from your credit file anyway? Whether defaulted or not, CCJ or not?

 

In other words, are you sure this hasn't simply fallen off your file after 6 years? Or was it removed by the lender before the normal statutory time due because of your actions?

 

Rgds

BTM

[Billywhiz]

won only in the sense that I didn't pay the huge amount of money they claimed I owed them. Yes it did drop off eventually even though they were continuing to claim I owed them £6,000+. I am now debt free and that's a win as far as I'm concerned

[bustthematrix]

Good on yer!

[means2anend]

Well done Bill...the means justifies the end I s'pose:razz:

[paulwlton]

They probably want the matter put to bed with all the fiddling they've been up to.

 

Shareholders advisory group PIRC estimate RBS are masking £18 billion of undeclared losses by including fictitional assets and fictitional profits.

[Billywhiz]

I have today received a cheque for £121.00 and an apology. It's a refund of two instalments of loanguard overdraft insurance plus 10 years compound interest. It came from Customer Concerns, 5th Floor, 1 Hardman Boulevard, Manchester. M3 3AQ. Turns out it was they who owed me money and it was only with the prodding of the Financial Conduct Authority that they gave it back. I wonder, could I claim back the 3 PPI policies they sold me 10 years ago or is it too late or is someone trawling through all the insurance policies they sold?