Hi can anyone help me with an issue on the amount of redress due from a credit card PPI which FOS have found in my favour against RBS for an old Natwest Card. the amount offered seems low Thanks J

Hey there, i had this account sold to me 4 years ago. I hadn't opened a bank account in the UK for some years. I was not presented with a possibility of a free account at any time in the meeting. I have never once used any of the packages or so called perks. I complained to RBS they through it out, stating, "having previously lived in the UK i should have known that free accounts were possible to attain". I didn't. I then moved onto the Ombudsman, who have sided with the bank. How can I take this further, it is simply not fair! Any advice appreciated. Thx

had a repayment plan in place with Wescot for a few years in respect of my RBS credit card debt. I recently started receiving various settlement offers and requests for account reviews so I decided to send off a CCA request to the DCA enclosing £1 cheque on 30th April 2015. Today (16th May 2015) I have recieved a response letter from Wescot advising that their client (RBS) has requested that I write to them direct for my CCA request and have returned the cheque ? Should the DCA have forwarded accordingly to their client ? Are they in breach of my request as they should have responded within 12 days ? Or should I be sending a CCA request myself to RBS but recall never receiving any agreement as part of my earlier SAR ? Another issue is that should I be receiving some sort of annual or half-yearly statement from Wescot or RBS since the account defaulted ? Thanks for looking.

Hi everyone, I'm a newbie on here (2nd post) and think I just made my first school boy error - spent hours (literally) tying up my obviously massive story, then go to post - and I'm timed out. Lesson learnt. So I'll attempt to be as succinct as possible this time but it's nott an easy story to tell, so bear with me pls! I initially incurred debt with RBS in 2002 after losing my Father. Things are a bit foggy about that year or two in my life but I accept I incurred a debt of around £3,000. After a few negotiations as I remember, the debt was passed to a collections agency - Wecott Debt Recovery. I made an arrangement with them to repay the debt. A debt which I have not defaulted on in one single month in 11 years to date. The debt now stands at just under £400. (Now the interesting bit!).... In March 2006 I start receiving really quite offensive letters from a company I had never heard of until then. Namely Capquest. I know for a fact that - silly as it seems - I did make erratic one-off payments to them over the years that followed and as the tone and frequency of their actions seemingly had no limits, I even had my poor Mum make a payment or two for me. Not because I asked her - but because they began to phone my Mother's landline and speak to her about my debt!. Then my 88-year-old Grandmother started getting the calls too...:mad: I eventually made more payments to them but only on the basis I was disputing the entire debt and that it be put 'on hold' until sorted out properly. This was some time in 2009. This managed to keep them quiet - despite the odd phonecall or letter - for a time. In early 2011 I start getting mail sent to my Mothers address again. The threatening stuff; doorstep collections; court action; 'freezing of my wages' etc. I got on the phone to the bunch and set things straight. I spoke to a senior manager (whom I won't name...yet) who explained he had looked over my account and although I wasn't to 'get too excited' - he thought I had made an overpayment and might be entitled to some form of rebate. This did actually make sense and I did believe this guy's sincerity. I agreed to speak with them in depth (Capquest). It turned out they didn't have a clue about pretty much anything. Nothing other than they represented RBS (their client) and the debt (of just over £3,000-odds) had been sold to them in 2006. Exactly when the letters and phonecalls started.... At this point I decided I needed to do some serious research on my own. The obvious thing that stood out to me was the potential for RBS to have mis-sold (illegally????) my 'debt' information onto a 2nd collections agency (remembering I had a flawless arrangement in place with Wescott for this very debt since early 2004). The more phonecalls I made and letters I sent, the deeper this story seemed to go... Wescott Opinions:Flawless Client who took on his debt and repayed by s/o as agreed & on time Capquest Opinions: Quote(!) 'Wescott have been paying us. You make payment to them, and they make payments to us'. I'm beyond confused. I write directly to RBS demanding answers. I get a one page response saying effectively that are not legally obliged to provide any information regarding the account as it's been over 6 years since the inception of the debt. They're not even obliged to tell me how much the debt had initially been. Onto the Ombudsman. I write a HUGE report detailing everything (even more than I've rant on here). I get a message back to say they can't entertain it (the 6 year rule again). I write an appeal and ask that they read my report in full and consider that the case is not over 6 years old but that it is ongoing - as I am still receiving threatening letters. They reply they have reconsidered and take on my case. :T It's almost 5 months later and despite keeping in touch with the Ombudsman, it's taken this long for them to investigate it. I got a phonecall from the Ombudsman last week. They explained RBS wanted to make me an offer. I got excited - I thought this had all paid off, all this stress and worry - but I needn't have been. The offer the Ombudsman had was from RBS directly and was simply 'to nulify the debt'. I made it politely clear I rejected their offer. The Ombudsman acknowledged this. NOW THIS IS THE BIT I NEED A HELP WITH; I heard from the Ombudsman at the beginning of this week. They say the only way they can make the financial aspect of my offer more preferable and recoup my overpayments, I must provide receipts of the transactions made directly to Capquest. This is just not possible. I have spent days speaking with my Banks callcentre, I've even been with an appointment with my Bank manager who could see my predicament, buy couldn't help me out. The receipts the Ombudsman is requesting is simply impossible evidence to request. I've now been told I have one week to provide this evidence before the Ombudsman rules. Can anyone who has read this post (and thank you anyone that has!) advise on ANY aspect of my situation? I can't explain how frustrating it is to almost have won my battle after all these years - but be just a piece of paper away from losing it al too. Has anyone else been in this position? Has anyone taken court action against a Bank in this kind of circumstance? Clearly, ANY advice is very greatly appreciated! Sincerely, Openwater

Hey everybody, New poster here, I have been a lurker on here for a while now I am just wondering what other opinions are on this. I contacted my bank RBS via their online complaints form 1 week ago. I did not receive any kind of email verification from them to say that they had received my message, the terms of their complaints procedure says that they will be in contact within 5 working days. I have a disability and am unable to use the telephone because of it, I explained this in the message, I asked in webchat on Friday if they had received my message but the person I chatted with said they had not received any thing, but, she said that may be because it hadn't been 'logged' yet. this evening I went back in again to ask if they had logged my complaint yet and the person I chatted with said that he would get the complaints team to give me a ring, so of course I explained to him again that this wouldn't be an option. The conversation went a little something like this - RBS man: I will get the complaints team to ring you shortly. Me: I won't be able to speak to them via the telephone unfortunately due to my disability RBS man: Sorry to hear that dear Me: I will come back tomorrow and use the webchat RBS man: Come back tomorrow and we will transfer the chat, will that do. Now, I know this is probably horribily trivial ,but it's not the most professional thing in the world to call a customer 'dear', I am personally not a senstive person at all but it did come across as condescending and perhaps rude? I am just looking to see what peoples personal opinions are on this really? Should I mention it to the complaints team? I don't want to get this individual into any kind of trouble if he genuinly did not mean to be rude, but other people may take this the wrong way? He only seemed to become condescending after finding out I have a disability, and that does get rather boring and irritating (As does typing the bloody word 'disability' ) If he was being deliberately rude then I would mention it, but I am not sure and really don't want to be overly sensitive. Anyway, thank you all for reading my ramblings.

Hi In 2005 I got the following: Together Mortgage £113000, Picture Loan £33000, Welcome Loan £21000, RBS Debt totaling £25000 credit card debt totaling £ 9,000. PAYDAY LOANS total £1200. I was in great despair as I was going through a divorce had an ectopic pregnancy and lived in a house half built. I was off work due to ectopic pregnancy and was losing money fast. On top of this my step daughter came to live with me and I was trying to help her through college etc. My ex husband was very nasty and he was due to leave the army and I got frightened in to not taking any of his pension that I deserved for giving up my career to bring his daughter up. He cashed in all our joint policies and left me with nothing but debt. I was in despair literally and had a breakdown turned to alcohol (not badly but enough). I then tried reading self help books to try and change my mind set. I wrote myself blank cheques to all the people I owed and had them on my wall so that I could visualize on attracting money. I won £3800 from a 10p bingo ticket then I got a windfall of £32000. I cleared the credit card debt, got the house finished and reduced the welcome loan to £9000. I still owe the rest, I got the RBS loan secured against the house to free up monthly spends. My house is now worth £136000. I was annoyed though as I have paid over £37000 to IDEM not realising that to settle I need to pay another £42000!! I was younger stupid and scared. I have now rented out my house and I am living in a room, I have started my own company using all the skills I have and have enlisted friends to help me with their trades (I take a small percentage from them as I get them work). [EDITED] It is about visualizing and felling the luck and wealth. It takes only 16 seconds to vibrate mentally and put good thoughts out. I do not ask to win the lottery e.t.c but I try to create ways that I can help myself out of the mess I got in with money. [EDITED]

The next round of bankers annual bonuses have been estimated at £5billion between HSBC, Barclays, Lloyds & RBS. RBS who were fined $1.6million dollars in July 2014 for their part in fixing Australian exchange rates are expected to pay out £500million in bonuses. In December 2014 they were fined £400million by regulators in UK & US for their part in il-legally fixing international foreign exchange rates. A week later there were fined £56million by UK regulators after paying out £70million in compensation to customers for a Systems failure in 2012. That is £527million in compensation and fines due to appalling management in a bank where we hold an 80% shareholding, yet have absolutely no say in the running of it and now we are expected to pay £500million in bonuses to the same incompetent management on top of their already over inflated wages. Their justification for the bonuses? 1) They need to employ the very best 2) It is 15% lower than last years bonus pot. Remember Mr Brown & Mr Cameron's words "there will be no reward for failure" With labour and the coalition having already signed up to an additional £30billion cuts to public spending regardless of who wins the next election, Who agrees "we're all in this together"?

The FCA handed out the following fines to RBS group in 2014: 27/08/14 - £14,474,000 11/11/14 - £217,000,000 20/11/14 - £42,000,000 Total for all banks is £1,159,709,700 So it looks like the government will be getting it's bailout fee twice over.

I am not sure whether this is the right section/place for this, but perhaps someone around here can offer advice on the following. I recently got a letter from the R.B.S, informing me that that "we have, with regret, decided that we will no longer provide these [bank account] facilities for you" They don't give any reasons, but I am assuming that my name has come up on some wide sweeping statistical based list for potential fraud/money laundering, and I guess that the R.B.S doesn't like the little man trying to get a piece of their action. I don't have a regular job, but work freelance offshore. This means that I don't have regular income, but instead have large sporadic payments, often coming from abroad. I have also traded Bitcoins during the bubble where I made thousands, and also during the crash, where I lost even more thousands. This involved a high turnover of funds and international payments, including many payments into Bitcoin exchanges. Due to my work, I am also abroad quite often, use my card abroad, and access my online banking from foreign internet ISPs, which has caused the bank to suspend services to me in the past. Aside from that, I have no debt with this bank, am always several thousand in the black, etc. Whilst it doesn't break my heart that the parasitic übermonolithic R.B.S doesn't want to be my friend anymore, I do find it quite concerning that these institutions, upon whom society has been forced to rely upon for 95% of all economic interactions, have the power to simply cut someone off, without any evidence or proof of wrongdoing (there isn't any because I am not and never have been involved with any fraud/money laundering). Also, the bank states; "We will not be able to provide references for you". If I am not mistaken, I will totally 100% need a reference from my previous bank, in order to open another bank account. Can anyone suggest to me any course of action that I might take? Would telling another bank the truth about why I am wanting to open another bank account with them simply result in an automatic rejection? Am I going to be forced to lie to open another bank account?

Hello i was wondering if i could get some advice please. Trying to resolve my current bad credit rating with equifax (218) with two defaults lodged upon my equifax report - after years of avoiding i am finally in a financial position to repay/sort out my current credit standing. My basic back story: I had a current account with RBS since 2007 that then changed to have student overdraft facilities added in 2009 when i started studying. T he problem being i changed my address & stopped studying (I was only living in temporary accommodation) and neglected to notify my bank of the change - after years of just completely ignoring/not thinking about my maxed out overdraft its finally time for me to repay/sort out my bad credit rating. On my credit report it shows the account defaulted in 2011 - I phoned RBS to see if i could just pay the outstanding balance and they notified me that i can't get the default removed from my account even if the balance is paid. Is their any other option i could go through to try and get this default removed? The account ended in Aug 2011 - so waiting until 2017 isn't really the best option for myself. The second default is for the same address and its a BT broadband bill of £220 that is defaulted on my account. This is marked as May 2009 on my credit report - this means it will expire in this coming may for the six years mark. Is it worth just paying this or waiting? Regards Maunder p.s it may also be worth noting my credit rating for the exact same details on EXPERIAN state my credit score rating is 'GOOD' Why would this be?

Hi I have just received statements of credit card held with RBS dating back to 2001 including a copy of a signed agreement from RBS showing my signature lacking any date. Would this stand up in court? I now have statements with late charges and the interest charged each month I was wondering am I now able to reclaim any of the charges between 2001 and now. This account has been with DMP since 2010 paying a nominal fee monthly. Thanks in Anticipation

Hi. I'm hoping someone who knows what they are doing can help with some advice, on the next steps I should take in relation to my complaint for mis-sold PPI on a Credit Card with NatWest. I've received a Final Decision letter from RBS which upheld my complaint, and making me an offer in redress. I was a slightly confused as to how they had arrived at the figure, and so contacted them to request a breakdown of their calculations, particularly in relation to the compound interest part. I've attached a word document (Letter From RBS NatWest.doc) which contains the wording I received in response, along with their "breakdown", which to me seems to be of little help in providing clarification. Now that they have finally told me (it wasn't mentioned in the original Final Decision Letter) that they are "guessing" at some of it as they do not hold the data further back than 2001, I'm planning on providing further evidence in the form of some extra statements that I have found for months prior to that date. Whilst not fully completing the picture, hopefully it will help them to come to a more exact calculation. I've also attached a spreadsheet detailing all the amounts that are known, and where there are unknowns (those cells highlighted yellow, for months marked with an 'x' in column A) I've added in a nominal calculated figure to make the sheet work throughout. I'd appreciate it greatly, if someone could take a look at the spreadsheet to firstly check that I've completed it and the compound interest and statutory interest is worked out correct, and if so, then secondly that the numbers that I've added make sense, and are suitable, or if I should do something else to fill in the blanks. Finally, I noticed that on the spreadsheet that the interest stops accruing whenever no monthly payment is made for PPI (I finally got them to cancel it after a long fight earlier this year), and I wondered if someone can just confirm that this is right, or if the interest would continue whilst the credit card is still in force and the whle sorry tale has finished? Thanks in advance for your help.

Hello I wrote to RBS they state that any PPI payments I made were over six years old and therefore I cannot reclaim. I know the name of the sales man who sold the policy to me though I cannot remember the exact date, It was sold to me with my mortgage and then when I remortgaged and moved home they changed my mortgage again. Obviously the salesman took me for a ride not just on the PPI. Is this six year rule correct anyone? Thanks

Hi, I had an account with Natwest, which was shut down about 6 years ago. At the time, I had my Overdraft of £1800 (all owed), a loan for £1000 (£897 remaining), and one for £5000 (£3976 remaining). Due to my financial issues due to illness, I'd had to live off what little credit I had, and after a few months of being unable to keep above the maximum 1800 Overdraft (frequently going to £2000 when bills hit) my account was closed Following this, I was taken to court and something (I forget the technical term now, sorry) was put on my house so that when sold, my outstanding debt to Natwest would be paid out of any monies I received. We have since sold the house to a housing agency (again, lost it due to ill health and financial issues) and NAtwest received nothing because the mortgage was not fully paid off. Following this, Natwest sent debt collectors. MY wife was had by Shoosmiths (for similar level of debt) I think mine were Cabot financial (They currently take £2 a month from me, but I'm sure they said it was passed on however I've received no new paperwork) the debt is now with a debt collector. This morning I got a letter from RBS, regarding my Natwest loan, to tell me that I'm due over £800 in refunds Which will be paid into my account if it is still active, otherwise I will receive a cheque. MY account was closed, I do still get statements every 6 months about what is still outstanding. Will my refund get paid to these account, despite being closed, or will I get it? As if I receive it, I'm quite happy with my current £2/month arrangement and don't wish to just send them nearly a grand, when I've got other bills that are slightly behind now (council tax, water, TV, gas) that I would like to clear off, and I could do that with the payout, and still have a little bit over to help at christmas. As I paid these bills at a time when I owed them nothing, and I was not given a real option of not paying (I was flat out told I had to have it or I'd be refused). To me, they took money they should not have had. it should definitely all be paid back to me, for me to do with as I please. I realise they won't see it that way though, but just wondered if anyone else in a similar situation has had this happen, and received the cheque? As they only send me updates every 6 months, I wont find out now until March, as I got my update 3 weeks ago. :\ So I'm hoping someone here can help me a little sooner.

I need help with a Claim form I have received today please. Many thanks to anybody who replies, Toots.

Hi, hope admin don't mind but I am looking for others like myself who have been screwed over by Natwest/RBS. I moved some of my properties to them and took out a 5 year loan facility with them in 2007 on the understanding that they would renew the loan as long as I was a good customer & paid my dues. I did pay my dues & never missed a payment but after the banking crisis they decided they didn't want to have "buy to let properties" on their books any more & demanded all the money back, including the further loans that I had taken out over a 15 year term. As banks weren't lending at that time I was unable to repay the money so Natwest appointed LPA receivers. This never went to court as they use "the law of property act 1925" a very interesting read if you have time. I have been battling with Natwest ever since & have spent a small fortune on solicitors & barristers. Please see my other posts for the early part of my story. Unfortunately I cant post the rest of my story at the moment but I will as soon as I can. The main thing I need to do is find others like myself so please contact me, we may be able to help each other. Thanks in advance.

Hi guys this is my first post, I took a loan with Natwest in 2007 and was told when applying that I must take the PPI to get the loan. A year later I cancelled the PPI and made a complaint to RBS, it took them 12 weeks to investigate and they didn't uphold my complaint, they said that they couldn't locate the call records but as I had signed for the loan that meant I had signed for the PPI and was aware of it. At the time I had been having money problems which was a reason for me trying to get a refund of the payments at the time, Natwest eventually defaulted me in December 2008, I moved address shortly after and I have not made a payment since about September 2008. I received a letter from RBS in July this year saying that they would like to look into my original complaint again and asked if I could sign and return the form to confirm my new address, I called RBS and they confirmed my details by phone and I was told that I would receive a decision in a few weeks. I'd heard nothing for about 4 weeks until I received a text message from RBS-PPI on the 27th August which said "Dear Mr RacingRandom Re PPI ref: *****. We confirm your payment has been made by cheque. Please allow 10 working days for receipt" I hadn't received any letter or form to sign to accept an offer from RBS, just this text message. On Friday I received an offer letter from them dated the 20th August, nine days before I received the text message, in it they make the offer which I am happy with but as you probably know they state that any funds will first be used to offset and the remainder to myself. The loan is still unpaid with a balance much higher that the refund for the PPI, the loan is showing on my credit file until the end of September and it hasn't been sold, I also have a Natwest overdraft unpaid for the same amount of time. So I am wondering if anyone has any experience or has heard of RBS not offsetting against an old debt, I'd love to receive a cheque and I could do with the money :smile: I was fully expecting any refund to be offset against the loan but the letter and the text message are conflicting. I also thought that any offer the bank makes has to be accepted by myself but I never received an offer just an outright decision, is this normal? Thanks in advance for any help guys.

http://www.fca.org.uk/news/fca-fines-rbs-and-natwest-for-failures-in-mortgage-advice-process

Hi all Rbs put a default on my file after i "buried my head in the sand" A little breakdown: In apr 13 i went approx 40 pound overdrawn and was charged £42 overdraft fee by this time i had switched to a new bank. in may 13 i was charged 66 pound. in june 13 i was charged 198 pound. in july 13 i was charged 180 pound. in the last few months until the default (November 13) they only added 2 pound odds. I only found this out when my former landlord popped up with some mail. im now due £650 to rbs. i have asked rbs for a breakdown of charges but have since only received statements they sent me 7 years worth would you believe! Hopefully someone can advise on my next steps as i'm at a blank just now thanks for reading

Hi all I had a current account with overdraft with NatWest (opened August 2010, defaulted November 2011). The default amount registered with the CRA's was incorrect and so I have been chasing NatWest to correct this and challenged the entry with Experian, Equifax and Call Credit. Call Credit completely removed the default entry after NatWest failed to substantiate it however Experian and Equifax refuse to change the record unless NatWest instruct them to. NatWest obviously claim that they haven't made any mistakes. To try and get some evidence to prove that the amount was incorrect I sent off a SAR to NatWest on the 07th April 2014. They missed the 40 day deadline and have been providing their response in dribs and drabs with bits arriving from them on the 23rd May, 24th June and 03rd July. One item still outstanding is a copy of their default notice and in their latest letter (03rd July) they have said that will be unable to send a copy of the default notice because "These are system produced letters and we are therefore unable to provide copies". My question is; is this an acceptable response from them or should they still be able to provide a copy of the default notice? If they should then how should I proceed with forcing them to provide one or (if they aren't producing a copy because a notice was never issued) does this mean I can realistically challenge the default in its entirety? Thanks in advance for any and all advice Edit: Just read dx's response to a vaguely similar thread. Doesn't seem right that a default notice isn't required for current accounts when reading the ICO's guidance on registering defaults (section 4, paragraph 5 on page 6)? Apologies - I would include links to both the thread and ICO guidance but I don't have enough posts to include links.

Hi all Ive recently made a successful PPI Claim however now it's come to actually paying out, RBS have paid it into a account that was frozen and I have no access to. This had been overdrawn and I had been in default with a loan paid from this account too. Both of those ended up being subject to a CCJ and payments have been made in accordance for the past few years. Been referred to speak to the solicitor that holds the file now, just wondered any thoughts on whether they are allowed to keep this money now as it on a CCJ repayment plan and had a charging order against my property already too. I am currently in a debt management plan for other debts and don't see how they can prioritise their debt when it is them who were in the wrong originally, hence having to pay me compensation. Hope that makes sense !

I have finally received SAR details re ongoing PPI claim with RBS Mastercard and after reviewing various statements noticed quite a few late payment fee charges for £20. I am sure I can reclaim these and if so can anyone kindly point me in the right direction as to what spreadsheet I need to use to calculate refund ?

Having reclaimed the PPI on my RBS overdraft earlier this year see here It recently became aware that perhaps I had a claim regarding a miss sold packaged account as I was told that I had to have this account to have the overdraft facility that I wanted..... dropped a letter in the post a week last Friday, today I received a letter agreeing that was the case and approx £1600 in fees and interest will be in my account within 3 days of the date of the letter.... Quickest, easiest reclaim ever, one letter, 2 weeks, done and dusted.......

Morning all, Apologies for the long post but I am desperately seeking some help/advice from those of you in the know about SCC and DCAs. I have been attempting to defend a claim with Arrow for an old MINT credit card which I have but think I may have shot myself in the foot and wondered if there's any way I can come back. Unfortunately, I buried my head in the sand regarding quite a few debt issues I had in my teens/early twenties so don't have the original paperwork for any of this. I will give a brief summary of the events so far:- 5th February 2014 - I received a claim form from Northampton County Court Bulk Centre with the claimant Arrow Global stating the following particulars of claim:- "The claimant claim is for £1401 being monies due from the Defendant to the Claimant in respect of a regulated credit card agreement between the Defendant and the Royal Bank of Scotland (card number XXXXXX) and assigned to the claimant on 15/12/2010, notice of which has been provided to the Defendant. The Defendant has failed to make payment in accordance with the agreement and a default notice has been served pursuant to the consumer credit Act 1974. The Claimant claims the sum of £1401.00." 6th February 2014 - I sent an SAR request to MINT (RBS), CPR and CCA to Arrow, all letters were all sent recorded delivery and received on 10th February. 1st March 2014 - I submitted an embarrassed defence (I know now that there are several mistakes in this) as I hadn't received any of the requested documentation. My defence was as follow:- 1. I neither deny nor admit to any indebtness to the claimant. 2. I sent the claimant a CCA request in accordance with s.77/78, requesting a true copy of the credit agreement, along with any other documentation that the Act requires. 3. The claimant received the request on 10/02/2014. 4. As of 03/03/2014, the claimant has not supplied the requested documentation. 4. A SAR request, in line with the Freedom of Information Act was sent to Royal Bank of Scotland. 5. Royal Bank of Scotland received the request on 10/02/2014. 6. As of 01/03/2014, Royal Bank of Scotland have not provided me with the requested documentation. 7. No Notice of Assignment has been received which would prove the Claimant's right to bring this action. 8. Without the requested documents I am unable to submit a fully particularised defence and the Defendant is embarrassed. 9. The Defendant also asks permission to submit an amended defence if the Claimant supplies the requested documentation. 4th April 2014 - letter from Arrow stating that my embarrassed defence on the basis of a document request does not form a valid defence and that they believe this to be an abuse of the process. In their letter they state that £40 was credited to the account on 5th August 2009. They have also enclosed a document stating that Wilkin Champman (their solicitor) has ceased to act for them and they will be acting in person, as well as a letter dated 18th March 2011 stating that RBS has assigned all of its respective rights, title and interest to Global. I am under the belief that I have not made any form of payment in relation to this debt in a long time (possibly more than the 6 years required for a debt to be SB) and I've checked my bank statements as far back as 2007 but can't see any record of payments to Mint during this time. When I spoke with MINT recently they claimed that a payment was made in July 2011, but they said they couldn't tell me more as the debt was now owned by Arrow. I have checked my credit report with Noddle and can't see anything on there relating to MINT/Arrow. Arrow want me to withdraw my defence which has worried me as I'm not sure what to do now. As it stands, RBS have told me that I may have my SAR request back by the end of April (the woman on the phone actually admitted that they were regularly breaching the time frame set) and I have still not received a response from Arrow regarding my CCA request. As you can probably tell. I am in a right muddle and am really hoping that someone may be able to help me with this. If you need any further information from me, please ask. Thanks in advance for your help.

Hi Guys, The last couple of years have been horrendous from a debt point of view. I am out of work again and my family doesn't make enough to pay bills and buy food so you can guess how stressful this is. Two years ago we moved to lower our housing costs. At about the same time "Egg money Manager" ceased and became part of Yorkshire ??? BS., so my instant access to bank accounts etc. was wiped away - i tried reconnecting but couldn't. Through regular charges applied to the account it was taken through the limit and the charges were ramped up again. I had no paper statements coming in, but some forwarded letters from my old address told me they wanted their money back. Head in sand never a good strategy I know, but depression and fighting to survive on all fronts meant I took no action. About a month ago got a letter from Westcott (didn't connect the issue at first) asking me to contact them urgently. I rang and confirmed i was said person and asked what it was about. They referred to the RBS overdraft. I didn't acknowledge but said I wanted to contact the bank to verify/get further information. Westcott have bombarded me with at least one automated telephone call per day since asking me to contact them. Eventually I spoke to them and asked them not to keep waking my poor husband up in the mornings as he works nights. They have put 'harassing' me on hold for a couple of weeks while I contact the bank. It used to be the case that they had to produce a credit agreement but I don't know if this is still correct? I know they couldn't produce one for my husband back in 2009/10 and my account was a lot older than that so they are unlikely to be able to. Is it worth a try to get them off my back - I certainly can't afford to pay them anything back. Grateful for any guidance Sweet