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    • I've looked up Multiple Encashment Fraud. When they put the chargeback amount back into my bank account, which they did the day I made the chargeback, I spent the cash over the next couple of weeks. I did this because I assumed I would win the chargeback due to the fact that I did everything required to win it. So me spending that cash, according to them is Multiple Encashment Fraud. They are saying I fraudulently made a chargeback so that they would put that amount back into my account so I could spend it, and basically rip the bank off.
    • dca please.?   Barclays would have marked the A/c Defaulted on or before sale, and issued a default notice a dca debt buyer cannot issue a default notice    send Barclays an sar.   the A/c was opened whilst resident in Scotland that means the debt is statute barred and extinguished,, dead gone parrot. though that has no relevance to a credit file.    
    • scan it all up to one multipage PDF read upload carefully   I suspect its the usual stuff they troll out for vanquis card debt those  application forms are not a credit agreement    lots of previous Lowell claimform threads here to read that explains why.   dx  
    • In late 2014, I received correspondence from a DCA acting on behalf of Barclays, pursuing a student overdraft of around £1k from 2003. I hadn't used this account in many years, well over six, and it is my belief (though, in full honesty,   I can't actually remember, and can't prove anything) that it was closed a couple of years later in around 2004/2005/2006 (and it wasn't on my credit file in 2014), and the overdraft transferred to RBS (an account also closed so long ago that it is long since gone from my credit file. I certainly don't recall using it after 2004, and it was quite common then to transfer student accounts/overdrafts between banks.   I emailed the DCA, stating that I didn't acknowledge the debt, that it would be statute-barred in any case, and requested an original credit agreement. None was forthcoming,   after some back and forth, I invited them to issue proceedings if they felt they had an enforceable credit agreement. They did not respond.   I am currently looking at applying for a mortgage, and have noticed that whilst this account doesn't appear on Equifax or Experian, it is on my TransUnion file, showing as set up in 2003 and defaulted in 2015.   Does anyone have any advice as to what I should do? The 2019 Doyle case might make my contention that it was statute-barred somewhat shakier, though, equally, I haven't heard anything about it in over five years,   I cannot believe that, if the account was not closed/settled in the mid-2000s as I believe, that Barclays would not have issued a default notice before 2015. Does anyone have any advice as to what I should do?   I want this off my credit file, even if the account wasn't closed in 2004, I believe that Barclays/its DCA are trying to pull a fast one by recording a default in January 2015, but given that neither party has any records with which to validate their belief/position, it hardly seems fair that I pay out for something that either doesn't exist or ought to be statute barred? A further point is that whilst it is Barclays, the account was opened at a branch in Scotland (where I lived/studied), where I believe that the Limitation period is five years, so, even if it transpired that the default was legitimately in 2015, would the matter now be statute barred anyway? Or would it be six years given that I now live in England?
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Hello.

 

I've claimed via RBS and Mint via resolver.co.uk for PPI on an old RBS advanta card that I had many moons ago.

 

I don't have any details of account numbers, and they've come back from both an SAR and my complaint letters saying that they "can't find my details".

 

Is there any further recourse that people would recommend at this stage, or straight to the ombudsman?

 

Thanks!

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if you've no info then no hope

the FOS cant magic up paperwork.

 

 

when did you take the card out?


..

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Early 2000-mid-2001 I think....

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lukeyboy,

 

When I sent a SAR to RBS they sent me an agreement for and old Advanta Gold Card from October 1996 and copy statements from September 2001 to December 2005.

Are you still at the same address when you took out the card.

 

I had an old statement so knew account number ect.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?328417-Old-RBS-Advanta-Card-***RESULT***


 
 

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You really need to find the RBS/Mint account number. Similar thing happened with my original SAR to RBS, I provided lots of personal info and all the addresses where the card was registered to and they said they could not find the account details.

 

 

Fortunately, I found an old receipt that I'd kept for an expensive purchase (paid for by the RBS card), with the number still visible, so they were able to locate the records back to 2001. I opened it a few years before then, but RBS claim not to hold any statements before 2001, so the redress was estimated. My advice is to keep hunting for the account number. Best of luck.

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lukeyboy,

 

When I sent a SAR to RBS they sent me an agreement for and old Advanta Gold Card from October 1996 and copy statements from September 2001 to December 2005.

Are you still at the same address when you took out the card.

 

I had an old statement so knew account number ect.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?328417-Old-RBS-Advanta-Card-***RESULT***

 

I've a feeling I'm snookered, as I've moved house since then and don't look to have a note of the accout numbers. Darn it.

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you don't need them

just read the FULL SAR

and inc CTAX bill

 

 

dx


..

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I do not think RBS would find an account number with a full SAR and CTAX letter unless it was closed within the last six years.

 

 

They told me they could not locate any records of my old RBS/Mint credit card that I closed in 2003.

 

 

It wasn't until I managed to find the account number that I was able to get a copy of the credit agreement and statements back to 2001.

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the ctax copy is only need to verify who you are now and where your live now

nowt to do with them using it to find your account

 

have you read that sar link and all its posts

 

an sar is for info on YOU globally not one specific account.

 

they'll find it

we know they have info dating back to the 1980's

 

I believe theres a post in the stickies of the RBS forum that give a phone number in irland was it that is their data centre

might be wrong. just rings a bell.

 

 

dx


..

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I read the SAR link and understand the lender is supposed to send you all personal data they hold,

but in my experience, with several major banks over the past few years including RBS,

they will not provide any account information without a reference number unless it was active within the last six or seven years.

 

I was interested to read that RBS have a data centre in Ireland,

I was told it was in Southend where they store customer statements.

 

 

I tried to get information on my current account from 1989,

but RBS said they could only supply copy statements from 1992,

so I'll take a look at the RBS forum and see if there's anything useful.

Thank you for bringing it to my attention.

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it must be brain I've searched and I cant find that Ireland link must be another bank.

 

so you didn't get your credit card statements when you sent the sar for the current account ?

an sar is for all details.

 

if you paid the card from a bank account or have an old credit file copy

the card number should be on those.


..

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That's right,

but only because I got the current account statements from the first SAR I sent (approx one year earlier), in which RBS said they could not locate any credit card information, until later on when I found the actual card number from my own archives, sent it to RBS and then they found the statements.

 

As I said previously I think the poster needs to try and find the RBS credit card number.

Its frustrating I know because I took out a loan in 1992 which I believe had single premium PPI cover and a different credit card both of which I can't find the numbers for.

 

 

Tried all the usual methods including a SAR, nothing was found, and the banks concerned said they needed an account number to search their archives.

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opps I didn't even clock this wasnt your thread..rosequeen..

sorry lukeboy1


..

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Yes quite right, it wasn't my thread, so please accept my apologies. I was trying to help lukeboy1 by telling him about my experiences with the RBS/Mint credit card and why I felt he might not get very far unless he can find the account number. Hope he does before the PPI deadline.and anyone else in a similar situation.

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