Great, thank you so much for your help.

Hey Ford, Firstly thanks for taking the time to read my post, much appreciated! Ok - so yes the I received a letter explaining that account has been "assigned" to the DC in question. I did receive a notice of assignment from RBS so like previous communications I took it seriously (despite the 12+ month silence from RBS). I haven't received a default notice from the assignee - but had already had that 2 years previously from RBS (not confirmed it was compliant so will have to go back and check that). I didn't make a "Full and final offer" as I didn't have the funds to meet their offer - the 3rd DC Co. wanted £4k over the phone there and then and even suggested I borrow money to pay it (so much for TCF) anyway I offered a monthly repayment of £100 pm at the time - declined. Total debt is £6k. So my last communication to Arrow was an offer of £60pm (illustrating all my monthly costs) with an offer to review every 6 months. As a self-employed IT contractor my cash flow can change quickly so I would love to offer more but at the same time I have a mortgage to pay and don't want to over commit and the fall foul of an agreement yet again - my offer is realistic and I know I can keep to it and will pay more when I can. I understand what they are saying, i.e. 60pm for 6k is about 8 years, but this is worst case scenario - I don't want that debt hanging around that long and it could potentially impede by employability because of what i do. Sorry - can I ask what is a CCA request? Again, thanks for taking the time! I want to resolve this and I know I have to pay I just don't like the way they are going about it, it's not like I am disputing the debt?? Cheers Clem

Ok, so put simply I had a default from a RBS owned credit card company about 2 years ago. I tried to negotiate repayment terms but they would not accept my offer even after presenting them with a breakdown of my financial costs. In the end I left them to it and after going through 4 different debt collection company's I heard nothing for over a year. I've now had letters from another debt collection agency called Arrow who have taken over responsibility for my RBS debt - probably at less than 50% of the original value!. I have again sent them a breakdown of my finances, just as I did 2 years ago, and whilst they have noted and accepted my offer, they have told me (or rather their solicitors Drydens - no doubt same company, or at least an offshoot) that due to the size of the debt they will still pursue a CCJ and then place a charging order on my jointly owned property as security. Whilst I fully intend to settle this debt (after all I spent the money), I do begrudge the fact they are going for the charging order. My understanding of this process was that once the CCJ gets processed and the court agrees to my payment terms, as long as I keep up the repayments no further action can be taken, i.e. the charging order; but reading the letters from the solicitors that is not the case. Can anyone tell me if that is correct or not? In the past I've genuinely tried to negotiate but they were simply asking for money I didn't have and yet now that the 5th company in a row has agreed they are taking this course of action? Don't get me wrong, I OWE the money and am happy to pay it back but a charging order limits my ability to move from my current property, I don't have sufficient equity to pay it off on the basis of a sale so it means that my flexibility in location for employment is going to be compromised. I only raise this because I am looking to relocate towards London in the next 6 months but a charging order will prevent me from doing so. Sorry to rant, but hoping to get views from people who know the process or had a similar experience? Thanks Clem

Hey Frances, You can get a copy of your statutory credit file for just £2, although most of them hide that in the small print bacuase with all the identity theft going on they too have decided to cash in and sell real-time credit reference colutions (which I am not saying aren't good thing). But if you just need to check to see if you have a default registered then £2 is sufficient. Try here for Experian and here for Equifax My bank also defaulted me as a direct result of bank charges, which I am going to demand they remove.

Thank you very much!

Does anyone have a copy of these charges? I cannot see them anywhere in this thread? Thanks Clemo

I received the statements from my RBS accounts on Friday accompanied by a letter stating that the charges were notified to me when I accepted their T&C's, etc. The letter also states that the remaining statements (of which there are 6 months) will follow shortly. Will wait and see. Now I have the task of going through each one and detailing the appropriate charges - I can't wait to see the result!

I am claiming in England. I have read on the MCOL website that one of the conditions is that the address of the person(s) you are suing is within England and Wales, but their headoffice is in Scotland. Does this mean I would send my prelim letter to my local branch?

Hi everyone, After monitoring this site for a few weeks and reading as much information as I possibly can I decided to claim back my charges from RBS which I know will run to about £3k. I prepared my S.A.R - (Subject Access Request) letter and sent it via Royal Mail registered post on January 25th, using the information comissioner's website I got their registered address and sent the letter to: The Data Controller The Royal Bank of Scotland Group PLC 36 St Andrew Square Edinburgh EH2 2YB I have checked the Royal Mail website and I can see that my letter was received and signed for the next day. It has now 7 days since sending my letter and I have received any acknowledgement or the information (statements, etc). I know they have 40 days to comply with my request, but is there any follow up action that I should take, maybe a phone call or an email? If so, does anyone have those details? Also, I can see that a few people have sent their letter to their local branch - should I have done that instead? Thanks Lee ------------------------------------------- Action against RBS commenced January 25th Action against HSBC commenced February 1st

Hi, Last year my partner was forced out of work which meant that we lost half of our income. The previous employer was taken to court, although we settled before it reached that point and my partner started a new job 4 months later. During this time we both had personal loans with RBS which we struggled to maintain payments for because we had to concentrate on the mortgage. During this time we got hefty charges for overdraft facilities and returned DD's etc. sometimes the charges meant we were overdrawn which then accrued additional charges when DD's could not go out (this could often happen on the same day). When approached RBS did a coupld of times refund the charges, but then said they had refunded once already so now we must pay. Having spent most of the morning reading through this site, it is clear to me I should be claiming back my charges. But I have a question about the loans. Although we have now agreed with the bank to consolidate our loans and close the current accounts, leaving a joint account open to be able to pay the loan, if I now pursue the bank to get my charges back could they close the new loan account and force us to pay it back immediately thus making our situation worse? Although my partner is back in work it will take at least 12-18 months to get back to where we were (along with a couple of defaults and lots of mised payments on our credit file) and I cannot afford to have an immediate demand for £12k? Any advice or guidance would be appreciated.... Thanks Clemo