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I've been paying of the balance of my credit card with the Royal Bank of Scotland, paying an agreed amount every month by direct debit. I have kept up these payments without fail. I have now received a letter from them saying that they are increasing this payment to 2.5%. Previously I have filled out their forms detailing my income and expenses so they know I cannot afford the increase.

 

Are they allowed to do this?

 

Thanks for your help.

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Tell them that they will.not be raising it as it was an agreed rate and you provided info to prove you couldn't afford it. I would keep repaying them at your current rate and let them cry if they don't like it. Of course this would mean you would likely have to have an account outside RBS as they could recoup the money from any account you hold with them

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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When did you take it out?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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When did your payment plan start ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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So you took the credit card out and started your payment plan 2010 ? :madgrin:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Okay this letter that states the intended increase...its not a template ? Your name and address and your account number ?

 

Does it state what you are currently paying per month?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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CCA time if its from that long ago..no chance of a compliant CCA me thinks?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
Okay this letter that states the intended increase...its not a template ? Your name and address and your account number ?

 

Does it state what you are currently paying per month?

 

No, it doesn't show my account number nor the amount I am repaying each month.

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CCA time. If they cant provide a compliant CCA for it, then you wont have to pay them a single penny once theyre in default of your request. get the CCA request off first thing in the morning.

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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CCA time. If they cant provide a compliant CCA for it, then you wont have to pay them a single penny once theyre in default of your request. get the CCA request off first thing in the morning.

 

They say that they are (quote) "varying the terms of your Credit Card Agreement". Are they allowed to do this?

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not if they cant find the signed agreement.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
They say that they are (quote) "varying the terms of your Credit Card Agreement". Are they allowed to do this?

 

Then I would suggest that this is a standard round robin informing customers on normal contractual payments of an increase...IE the minimum payment will increase by 2.5%...not you being on an agreed payment plan...ignore.

  • Confused 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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