Jump to content


RBS card debt still with RBS


Recommended Posts

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

no need and sar is for all info they hold on you.

 

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... 

Link to post
Share on other sites

Sent sar request to RBS via online link.

They are now trying to call me.

Should I answer call and if so what should I say 

Link to post
Share on other sites

What exactly do you ask them for in the SAR? Why did you send them the SAR?

Link to post
Share on other sites

Have a credit card debt which have been paying for years on monthly arrangement, was advised to send sar request to see if enforceable 

Link to post
Share on other sites

Well by all means speak to them – that you should say as little as possible and let them do the talking. Take notes – but better still record the call.

If your SAR is based on our template which basically means that they have to disclose everything, then if they start asking you what specifically are you looking for, you simply go very blank and say that they have got your SAR and it's very clear and you are not prepared to make any comment on it.

Also, remind them that the clock is ticking. Your deadline is firm. And if they don't comply by the 30 day deadline then you will sue them. If they leave anything out then you will sue them.

I would suggest that you be quite dismissive.

If they phone you and start asking you for passwords or ID et cetera – you should tell them that they have decided to call you. It's up to them to provide you with some kind of ID and if they won't then tell them that you are prepared to go ahead with the call. Simply remind them that the clock is ticking.

In other words I would be broadly uncooperative and make them realise that this is a serious matter and there is no negotiation and no discussion

Link to post
Share on other sites

the idea of the sar to RBS was not about enforceability but more to findout how much of this debt is made of unlawful penalty charges etc.

the card is still owned by the original creditor , once we know the above details you might well be sending a CCA request.

 

no harm in talking to them, you want ALL the information they hold on you for your own personal financial ecords (don't say WHY!!) .

 

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... 

Link to post
Share on other sites

Ok thanks for the response. I will answer next time they call

 

Been on contact with RBS and asked for information they hold on me. Informed that my request will be processed but said that there were no active accounts 

Link to post
Share on other sites

:rockon:

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

Had previously sent a cca request to Aic whom I thought held the account, they responded saying if I require a copy of the cca, a letter asking for a copy, signed by the account holder and the client reference, they will then forward this to their client to allow them to provide this information. The cca already sent to aic only included their ref no. Not the RBS customer ref.

What steps should I take now.

Link to post
Share on other sites

await the sar

 

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... 

Link to post
Share on other sites

new rbs card thread 

when was this card taken out please

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

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...