Like explained in the title I have been divorced 12 years and remarried.
I don't have any contact with my ex wife however she often hassles my mother usually about wanting money. I pay regularly by direct debit maintenance for my son who I do see through family.
Anyway my mother has received a message from my ex saying she is trying to sort her credit rating out and I owe £400 to Royal Bank of Scotland.
To be honest I never recall having an account with them and she claims it was joint and the £400 is my half of the overdraft.
There is nothing on my credit file, in fact I got a very large loan for a minibus on Vauxhall finance 12 months ago for my business.
Surely if it was owed it would be statute barred by now as I have had no communication from RBS in 12 years. I also cannot understand why it is on her credit file and not mine.
Anyone know the legality of them trying to collect it from me?
i'm not really sure why you have 4 cisheets
use an avg of the differing APR's you use and ONE CISHEET.
you also indicate you were charged this PBP every month
so why are there monthly amounts missing ?
so what have they offered?
thank you for your reply, i have changed the date on the cisheets to 22/04/2015 which was the point that pbp was cancelled on the account, it still amounts to more than they have calculated.......
I haven't done a statint sheet
24012001-23092004 int 1.583 per month.xlsx
23102004-23122005 int 1.666 per month.xlsx
23012006-18092014 int 1.873 per month.xlsx
20102014-22042015 int 1.870 per month.xlsx
Ok, I will relax now! Hard for me as I tend to always overthink everything, and as this has been playing out in my head for the best part of a year (actually 10 years if you count from the start!) then it feels hard to let go of!!!
When the judgement paperwork arrives I will file it FOREVER as I guess I will need this to waive in the face of any DCA that PRA chose to sell this crap on to; I imagine the judgement papers will be a complete defence against any future attempts at enforcement??
Thanks again Andy. Like I said, this was only possible with the help of CAG!!!!!
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!