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    • Thanks for the reply   I have found a draft letter to send, thank you   I paid the DD in March but cancelled it before the April one came out, it used to come out on the 11th of the month, they added £50 and the £9.99 for May before the May one would have been due.   They said they would affect my credit score and it would be sent to a third party debt collectors, but I believe it is the same company using a different name.   I asked for a breakdown of the charges in writing and that I believed the charges were not lawful, and they said they were not obliged to provide this and that the £25 admin charges were lawful.   I thought I cancelled online then got an email back sometime later, saying my account could not be cancelled as it was in arrears.   I am happy to pay the missed fees and an extra month in lieu of cancelling correctly.       Kind Regards   Moo    
    • Thanks-I do read the posts on here constantly and don't just rely on specific advice. I do need to telll the court where we would like the hearing to take place? I will ask them the options
    • Thankyou Dx   I'll get cracking. Get advantage a thing of the past!!
    • you can pay what you want extra when you want as long as you meet the contracted monthly payments on time too
    • Hi   Currently with advantage finance. I pay £133 monthly. If I wanted to start paying more off monthly but by choice not part of concrete agreement. Will it incur any charges or problems etc is there any loopholes they can use to charge me more for doing so?   So I've an outstanding balance of xxxx amount. The £133 is reducing. I want to start clearing it off when I can afford to. That's ok?     Thanks in advance
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Experto Credite and old RBS debt

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I had lost my job and made an arrangement to pay RBS via their collection agent £5.00 since 2003.


In 2008 as I got a highly paid temp job, I made a written arrangement with collections agents .

Bryan Carter for full and final payment in settling the obligation by paying about 65% of the outstanding.


I have been contacted by RBS and Experto Credite on the debt that I settled under an arrangement

paying a lower amount in 2008 via the previous collection agents Bryan Carter.

I stopped paying my had not heard anything, received a statement of account or any communication until


I received a letter dated 12 Jan 2015 when they asked me to provide them with a statement of income and expenditure to make a payment arrangement.

I then received another letter dated the same stating that their agents had been trying and could not contact me in relation to the debt.

It also informed me that they were changing agents to Experto Credite.


I had unfortunate performed a clear out at the end of the year, throwing away documents for which the statute of limitations, 6 years had clearly expired.

I explained the situation and sent the statute barred debt letter to them.

They produced a RBS statement of a receipt of £5.00 in 5th December 2013.

I do not recall making this and they cannot produce the paying-in evidence.


Experto credite has stated that if I wish to rely on agents’ records

I would have to a Subject Access Request to the previous agents and pay the fee.


They and RBS have not provided evidence that I paid that amount.

They only have a brought forward amount that is undated and then a credit of £5.00 applied on 5th December 2013.


I have responded that the entry could be the result of a journal entry and they have not produced evidence that it was I who paid.

They also have not stated anything about corresponding with the previous agent, Bryan Carter, who would have the paying-in slip if I had paid in that money.

They also want me to provide evidence of the settlement that had taken place more than 6 years’ ago.


I was considering escalating the matter to the FCA. Any advice?

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right so you got had by carter on a debt you prob never owed?



what was the debt a bank account OD I bet?



and now expert are claiming you still owe 'something' to RBS



on the expert letter

who do they state their client is please?






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They say the the account is with RBS


The debt was an old credit card bill.


It was paid off more than 6 years ago under a negotiated discount.


Because it was over 6 years ago, my docs are no longer there - I had a clutter clean-out.


There was a CCJ for some arrears in 2005 for a misunderstanding on the PPI attached but I settled this in full and the CCJ was struck off/cleared. It is possible that under the current PPI situation I would not have had to setlle.

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