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    • thread title updated please complete this: and post up the defence you filed too    not sure where you got that from... is this the same issue? Logging on to MCOL - is the site down? - Financial Legal Issues - Consumer Action Group  
    • thanks for bothering to update us after all the free help.... dx  
    • Hi all,  I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue? I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
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RBOS have lost my money


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:eek: I have been a customer of the RBOS for 10 years+ and this is the first time I have gone overdrawn in more than 5 years with them.

 

During December, CSA claimed their money early because of the Holiday period, I have no problem with that.

 

On Jan 2nd 2007, CSA again made an application for the money and was paid this amount again.

 

Contacted CSA after being on bank online, to find they have only received one payment today.

 

Rang bank and they told me they have a record of both payments leaving my account and going to the CSA. But the latest payment has accrued me bank charges of £135.00 in charges and interests.

 

The bank is now refusing to help me and the CSA say they have only received one payment, therefore I am more than £550 out of pocket and with the charges it now takes to more £685 overdrawn.

 

How can I get my money back and also have hte charges returned to my account. I have no other monies available!

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If it is being taken by direct debit, then you can demand your bank return one of the amounts to your account straight away. It is then up to them to find the missing money. As you have reported this already, Demand the return of the charges as well. I would put this in writing.

Please Click The Scales if I have been of help to you.

 

 

Kensington Mortgages withdrawn. no costs

NatWest Settled in full

Abbey Court Settled in Full

Capital 1 settled in full

Halifax settled in full :D

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Guest NATTIE

I would love to comment on the misinformation emanating from the CSA and the bank but I won't for now. The summary I get is the CSA say they asked for the money once the bank say twice, the CSA say we have one payment the bank say 2. Try to clarify how the money went from your account, and then ask RBS to give you details as to the account number it was sent to and then see the CSA state they have the money.

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