Jump to content



Please note that this topic has not had any new posts for the last 2542 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

  • Replies 114
  • Created
  • Last Reply

Top Posters In This Topic

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 by Billywhiz
missed out some info
Link to post
Share on other sites
  • 1 year later...

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

Link to post
Share on other sites
  • 1 month later...

looks like we have a troll

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

Link to post
Share on other sites

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

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

Link to post
Share on other sites
  • 8 months later...

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.

Link to post
Share on other sites

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

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

Link to post
Share on other sites

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

Link to post
Share on other sites

Good on yer!

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

Link to post
Share on other sites

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.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

Link to post
Share on other sites
  • 1 year later...

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?

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...