This is how RBS deal with RPA (Wonga etc) Confirmed by Stephen Hesters office

[citizenB]

[jackieandwayne]

Thick as a pair of house bricks, this Ombudsman. No he certainly cannot ask RBS to comply with the law and assure my nephew that they will do so in future so that he can use his account with confidence!

 

So, we part on a stalemate and we now move on to this new-fangled FCA. Will keep you posted as we go!

[citizenB]

Well I would hope you do indeed receive a more satisfactory response from the FCA.. I must admit, I am surprised at the Ombudsman's decision, especially as CPAs have been quite popular media fodder over the past few months !

[ch114275]

I have exactly the same issues with RBS except with another payday lender.

 

I've had mail going to the wrong address, complaints going unanswered, promised callbacks not being made when requested, threats of DCA's, a fraudulent (confirmed in writing by EE) Orange mobile phone account set up to debit my RBS current account and even a fraud warning placed on my credit file as the RBS had my current home address listed as their own branch.

 

I've had the final response letter only recently and am compiling my complaint to the FCA but just wanted to mention the fact that this also impacts on your Nephew's credit file as it has mine. The un-authorised overdraft will have been reported to them for a full 18 months and I intend to include this in my complaint, as this is the third time that this has happened to me with RBS.

 

I've already been fully-refunded and compensated for the two previous complaints but this time they're digging their heels in. I've been legally advised on the basis of facts provided that I have a cast-iron case and to fight it all the way. I'd be happy if they simply restored my account to its previous position, as it's my credit file that means more than the cash to me.

[Conniff]

I have exactly the same issues with RBS except with another payday lender.

 

I've had mail going to the wrong address, complaints going unanswered, promised callbacks not being made when requested, threats of DCA's, a fraudulent (confirmed in writing by EE) Orange mobile phone account set up to debit my RBS current account and even a fraud warning placed on my credit file as the RBS had my current home address listed as their own branch.

 

I've had the final response letter only recently and am compiling my complaint to the FCA but just wanted to mention the fact that this also impacts on your Nephew's credit file as it has mine. The un-authorised overdraft will have been reported to them for a full 18 months and I intend to include this in my complaint, as this is the third time that this has happened to me with RBS.

 

I've already been fully-refunded and compensated for the two previous complaints but this time they're digging their heels in. I've been legally advised on the basis of facts provided that I have a cast-iron case and to fight it all the way. I'd be happy if they simply restored my account to its previous position, as it's my credit file that means more than the cash to me.

 

 

 

I think you are being very unreasonable. The new boss Ross McEwan starts today on a salary of £1,000,000. You do realise that by taking the sort of action you are may reduce any rise in salary or his Christmas bonus.

[ch114275]

WITHOUT PREJUDICE

 

Conniff, is that all they're paying him? I feel so guilty now about considering legal action Just to update my situation, I've been hounded by their collections team despite telling them that my complaint has been registered with the FOS. They have even called me on my new mobile number despite me never giving it to them.

 

I've quoted all of the above advice, letters, etc; They insist that my complaint is invalid. They also insist that they have every right to contact me over a disputed account as they have had no update from the FOS. The Protection From Harassment Act 1997 quite clearly states:

 

Prohibition of harassment.

 

(1)A person must not pursue a course of conduct—

 

(a)which amounts to harassment of another, and

 

(b)which he knows or ought to know amounts to harassment of the other.

 

(2)For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.

 

(3)Subsection (1) does not apply to a course of conduct if the person who pursued it shows—

 

(a)that it was pursued for the purpose of preventing or detecting crime,

 

(b)that it was pursued under any enactment or rule of law or to comply with any condition or requirement imposed by any person under any enactment, or

 

©that in the particular circumstances the pursuit of the course of conduct was reasonable.

 

In my opinion the particular conduct of RBS in continuing to contact me once I have already formally informed them that the account is in dispute with the FOS is not reasonable and they are therefore guilty of a criminal offence. Simply not having recorded the fact that I have formally disputed the account is not reasonable in my opinion. These are supposed to be dedicated and specially trained professionals who work in this section of RBS. Therefore, it would be reasonable for the man on the Clapham omnibus to assume that they ought to know that such conduct amounts to harassment.

 

I spoke yesterday with a minion who refused to provide me with their address for service of legal documents, saying that I had to send all such documents to Stephen Hester in Edinburgh. I found their address for service of legal documents on here within 2 minutes, so my only guess is that these minions aren't properly trained to handle such queries. It's all good ammo for my complaint to the FOS, so I'm happy to take the calls but they really should've stopped all contact until the FOS has made their decision, in my opinion.

 

My final dispute letter also quoted VISA regulations and tried to lay the blame with them. In my own humble opinion, the blame is with me for taking out a payday loan in the first place. However, me being stupid enough to use such a service does not detract in any way from the RBS failing to comply with their own terms and conditions not to mention the VISA regulations and the law of England & Wales.

 

I feel as though I have no control over my own money with RBS due to their completely spineless approach. Incidentally, does anyone know who WONGA and the other payday lenders bank with? Could it possibly be RBS Group PLC (Public Lying Company)?

 

I'm a business owner myself and savvy to how such a relationship could possibly amount legally to coercion as well as harassment.