SOMEBODY PLEASE HELP!! me vs rbs

[minimilner]

ok thanks so much im at the bank at 12 il let you know what happens.

[MARTIN3030]

Ok good luck.

And if they say tha bank manager is busy.....ask to see the assistant.

Dont let them fob you off.........insist that they take this from you.

[minimilner]

what a disaster went to the bank and had a meeting with the manager... lets just say i was in tears he would not take the data protection things off me and said that as this is a joint account he needs to speak to the both of us he said he can arrange something... whatver thats meant to mean he said that in 27 years of banking he has never heard anything like this.. i am wondering if i should get on of those no win no fee people to do all of this for me as to be honest its way too stress full.

what do you think he has got up his sleve???

[MARTIN3030]

Ok try to stay calm.

 

On the correspondence they have been sending you whose names appear there? I mean the letters from the bank

Are both your names on ?

Also for the joint account do you know what the arrangements were for running it ? by this I mean could either of you sign cheques etc or did it need both of you ?

[minimilner]

just my partners but it is a joint account

we could both run the account but we stated that in our savings account we would both have to sign to take money out

[MARTIN3030]

Is your partner able and in agreement to go to the bank with you ?

 

Obviously if you send it by post to the HO then they would not require you in person.

You may want to think about that one ?

[MARTIN3030]

When you were added to the account do you recall signing anything ?

 

If its the case that they only have the agreement for him then any default would have to be done against him alone.

 

If you are getting demands to pay money back,then by nature they are acknowkledging your association with the account.

 

So cannot deny that you are not a party to it.

[minimilner]

yes i did sign something but that was beacuse the account to us was clar and we had no idea that the account was with the colectionss department we only yesturday that it has been with them for 121 days. even the bank mangager said that i should not have been put on the account as it was in the collections department, it was there neglegence by not having the correct telephone num,ber on the account it was £60 i could have paid that if they had phoned me.

my partner ids goin in to see the branch manager this afternoon as the manager has said he will sort something out what do ya think that means?

[MARTIN3030]

Personally I think it means they are now aware that you dont intend to take this lying down,and they can see litigation in the frame,

 

If its the case that they consider this account to be his responsibility then he will have to submit the requests for information and also the s10.

If they agree that you are both responsible then you will both have to act together.....simple as that.

 

In view of the difficulties I would suggest that the s10 be sent to RBs collections in Telford.

I have personally had dealings with these myself.

The request for the CCA info along with a copy of default notifivation should also be sent there.

 

Your partner should give the manager notice that any recovery action of monies should be suspended.

 

I think tho that all your dealings are best done with Telford now tho rather than at branch level.

I am not really suprised that the manager is not clued up on these matters since its quite a complex business and is handled outside the branch.

He probably knows no more about the procedures than you do.

[minimilner]

thanks for the advice i will let you know what happens at the branch with andy. il post again 2 nyt.

[minimilner]

hiya.

andy went to the bank they had a word with him the manager and the assistant manager came in and they said to him they did not know why i was taking this so seriously as its not serious, they refunded him the royalties premier fee and changed the telephone number on the account now what i need to know is where do we stand from here i definatly want something done about them putting my name on the collections department account as surely this is a breach of data protection??

Andy is gonna take the forms back in today that they would not take of me yesturday, they obviously think thats its serious if the manager and assistent manager had to sit in on the meeting there probably just trying to play it down??? what does everybody think?

[bearo]

Any updates?