I made a complaint to the Financial Ombudsman Service about RBS back in 2012. In the information they gave to the Financial Ombudsman Service it said they registered a default notices in August 2007 but on my credit file they have listed the default date as 31/10/07. Is it worth contacting them to have it removed immediately? any help is appreciated

I have a number of debts and I sent off a SAR request to MINT as I wanted to try and claim back loads of £12 charges that they added to my account when my financial problems started back in 2010. On checking the info they sent I can see that PPI was added to the account until 2007. The original agreement was Jan 1999 and I have ticked the PPI box on the form but at that time I was working for Lancashire County Council who paid full pay if you was ever off sick and I worked there until 2008. I only have statements going back to Jan 2007 but I have just rung them and was told that they could dig out further statements back to 2001 and would send them to me. Now I'm not sure if I can claim on these grounds? I have another claim going with HSBC but this is for my hubby and that was missold as he was self employed etc but as I did tick the box is it pointless to try and claim even though I would never of been able to actually make a claim? If I can claim then this too would amount to quite a lot of money and then there is also all the £12 charges that have been added to the account.

Hi, Can anyone point me in the direction of the thread for the success case against RBS under BCOB? Or the news link. Each link I find seems to go nowhere. Cheers

Hi All just a bit of advice please I have tried to claim bank charges back from RBS on a personal and a business account under the hardship rules as been off work injured for a while and am now having to sell my home the charges are all refferal fees and total some 3K I am going to take it to the fob is it possible to put these accounts in to dispute while the fobs look at the complaint and will this stop intrest. Thanks CB

Been having an epic SAR battle with RBS and finally got one offer on a £500 12 month loan I had in 2000, they have offered me £102 so not a great deal with 13 yrs interest ! They are being ridiculous around sending me breakdowns etc. Does this sound anywhere near right? Here is the breakdown: Refund of premium 54.58 Stat interest 60.10 less tax - 12.02 Offer 102.56 Shouldn't there be more interest????????? Still pushing for a breakdown and the agreements!!!

I've had a letter from RBS headed "Information regarding an account you may have previously held with us". It says they are writing in relation to an account which "you may have held with us in the past and is now closed", and goes on to read, "There is a possibility we owe you a refund on this account which we would like to discuss with you", and goes on to provide phone number and contact details. Now the thing is I did have an account but effectively abandoned it after it went overdrawn following a direct debit which was taken out a day early, and after the bank refused to repay and I refused to pay the money in to cover the o/d, they continued to add charge after charge and the last I heard it was around £800 overdrawn, all of which were charges. This was around 6 years ago so it could be statute barred by now anyway but I have no records and have since moved house. Question is, is this a ploy by RBS to try to confirm that they have "found" me so that they can (try to) pursue me for the debt rather than offer me a refund? Has anybody else had a similar letter? It's come from the "Customer Refund Team", Chatham in Kent.

Hi All, I have been fighting with RBS for over 6 years for bank charges. I am now at the point where I want to take them to court over these charges and want to know if you think I have a case. In 2010 they sent me a letter saying that I was not in financial hardship because I had understated my income which I believe was an error on their part as my salary was not paid into an RBS account so therefore they would not have known what my salary was and because I can also prove that this was my salary at the time. Further to this when I took my case to the FOS RBS advised them that they had been sympathetic to my circumstances as they had reduced the payments on my loan with them when in fact the payments were originally reduced as I had cancelled insurance which I believed to have been misold and subsequently this PPI was refunded to me. My loan payments were then reduced further as they took me to court over non payment of my loan due to my financial hardship. They would not accept my offer of £150 a month reduced monthly payments but when they took me to court they accepted this same amount. I have been back and forth with the bank and been fobbed off with the standard letters and I was even told when I asked for a call back from a manager that all the letters I was receiving saying that they were still gathering information were incorrect as each time my case had not even been assigned to anyone to look at. Any help or advice greatly appreciated. Thanks

Hello, sorry if this has been asked before, I cant find an answer anywhere. Around 1 year ago I submitted my PPi claims to RBS for my 4 bank loans and a still active credit card which was part successful, I won my loan PPi claims to the tune of £4,300 but at the time my credit card claim was rejected by the claims manager. At the time of claiming I told them that I had applied in branch for my credit card and the advisor filled in the application form for me advising me that it was in my best intrests to take the protection (I have also recently seen an application form from around the time I applied and it suggests on the application that PPi should be taken.) and that I had cancelled the PPi when the news broke about PPi mis-selling. When I received the rejection form it said that my application was a mail in application so I could not have applied in branch so my claim was stopped there, I left it at that because I had won on the other 4 claims but seeing the application form recently renewed my thought that I should'nt have left it at that. I am pretty sure that I was offered the card at the same time as refinancing a loan in branch and if the application was a mail in one as notified, it was the branch that mailed it as I have never applied for any credit outside of my bank. (13 year customer). I on Monday have sent in a CCA request to get a copy of my application form (which I think I only signed never filled in) to see if it is in my handwriting and find out if anything can be done. I still have full copies of the original claim and rejection letters along with enclosed terms and conditions but no copy of the application even though it was noted in the enclosed documents. My main issue is that it is too late to do anything about it. Is a year too long? i keep seeing 6 months for ombudsman help but nothing for appeals or re-applications. Any advice or knowledge of this would be most helpful. I can also scan and upload the docs if they are needed. Thanks for reading, Alex.

Hi , I am just about to drop this letter off in my local branch. Anyone have any advice before I do. I really am at my wits end as we have been in a debt management plan for the last six years. Only now are we debt free thanks to the mis selling of PPI but the RBS still seem to want more blood. Its the principal of the thing now!! The Manager Royal Bank of Scotland Xxxxxxxx xxxxxxxx 13 May 2013 Account Numbers - xxxxxxx, xxxxxxx, xxxxxxx Dear Sir/Madam, I am writing a letter of complaint over the way in which we have been treated over the years as a Royal Bank of Scotland Customer. We fully intend sending this complaint to the Financial Ombudsman Service depending on your reply. The “last straw” was a letter which we received on the 10th of may 2013. xxxxxxx xx. We paid off our account in full, including solicitors on 27 Nov 2012. Yet we have received a letter saying that the bank is pursuing us for 2 lots of solicitor’s fees after this date. We also have in our possession a letter from the solicitors instructing our file be closed dated 21st Nov 2012. The amount is for a paltry £53.16. Considering the thousands of pounds unfair charges, interest and Payment Protection which I have paid over the years it felt like one final kick in the Teeth from the illustrious (bailed out) Royal Bank of Scotland. I shall note a few of my complaints in no specific order but please review complaint as a whole as the problem seems to be endemic to the RBS. 1. Recieved Letter of Default the first time for account xxxxxxx on the 19th April 2007 (copy available if required) Recieved copy of notice to Default first time for account xxxxxxxx on the 19 April 2007 (copy available if required) These Defaults are still shown on my Credit File and are still having a detrimental effect on my credit score. Could you please remove at earliest opportunity as these are now expired as more than six years from date of default? Why have I continually received default notices for same accounts up to 2011 (copy available if required) Defaults may only be issued once on one account. 2. Prior to our going into serious Debt my wife and I were punished with an astonishing amount of Unfair Bank Charges. Alongside the seemingly perpetual Miss sold payment Protection (which we have now had refunded) Each Time we contacted the RBS because we were struggling a personal finance manager would convince us that a refinance loan was the answer to all our problems. “We were not aware at the time that a commission was paid to these employees on a target basis. Can you confirm this please? Due to the nature of my job up to 50% of my income was overtime which my wife and I always went to lengths to explain to your employee. At the time the person selling the loans always suggested that we put the larger amount on our applications. With hindsight I always felt rather uncomfortable with this but considering our worsening financial position was in no position to resist as your finance manager obviously knew best. I now realise that due to the banks policies of meeting targets I was the victim of irresponsible lending by your establishment. Unfair Bank Charges from January 2007 – May 2008 = £2732.00 (17 Month Period) I would also like to point out that previous to this period the charges are not much better. My wife and I really were quite a good source of income for the RBS while it lasted. 3. It was January 2007 that I finally faced the truth about my financial affairs as I simply could not handle the unfair charges any longer. I went to a Debt management Company by the name of Payplan. “This is a Company which the RBS endorses on all your Debt Advice Literature even to this Day.” We tried to be as cooperative as possible at this time as we always intended and now have, to pay all our creditors. The RBS seemed to go out of its way to be as threatening as possible. We followed Payplans instructions religiously and contacted all our creditors, except the RBS as instructed by Paylan who are “endorsed by the RBS. We paid as much as possible to our creditors after completing a an income and expenditure sheet but the RBS continued to add unfair charges, interest and then solicitors fees after taking us to court a year later. (We had not missed a payment through Payplan). All through the difficult times my wife and I never missed one mortgage payment. 4. Recieved a letter from RBS on 19 April 2007 which seemed typical at the time but scared my wife and I witless. It was a demand for immediate payment of £853083.80. If we were lucky our house was only worth £100000!! This scale of incompetence as it seems now was what constituted to our situation in the first place!! (A copy is available if required) 5. Although we never missed a payment on our mortgage we reached a stage where I was not working full time due to the weather and requested a payment holiday on my mortgage. As this was a repayment mortgage this was an agreed option when we took the mortgage. This was only for a month to help out but was refused on the ground of our other accounts. Another incidence of not interested in helping. “We stll managed to keep up payments but my family suffered.” I really did not intend making any complaints to the RBS after the PPI scandal but as I have said the pathetic attempt to elicit another paltry amount from my family really does make me angry. The misery that your rotten institution has caused my family over the years does not bear thinking about. We do realise that we must take some of the blame but your bank as far as we are concerned should accept responsibility where due for its irresponsible lending. I would like all my charges and interest paid for charges returned, to put me in a position to which I would be if I had not paid them. I Have all paperwork and statements to prove any claims which I have made. I await your response and I shall be contacting the Ombudsman if not satisfied. Xxxxxxxx xxxxxxxxx Thanks for your help

Good afternoon fellow Caggers. I need some advice please. My wife and I have two instant cash isa's with RBS. In march this year we decided to transfer them to Santader as the interest rate was (marginally) better. We signed all the relevant paperwork in our local Santander Branch. We do not have a local RBS branch. We received letters confirming that the transfer was being dealt with and all the new details were sent to us by post. On-line banking facility cards etc. So we assumed that everything was in order. We then received a letter from Santander saying the isa's couldn't be transfered as the account(s) were closed!!!!!!!!!!!!!!!!!!! We then went into the local Santander Branch and told them that this was in effect inncorrect and instructed them to proceed with the transfer. We have had numerous telephone conversations with Santander and RBS who confirmed the isa's were ther and could be withdrawn anytime we wanted. Santander then rang us following a conversation they had had with RBS isa team who told us 1. My wifes isa had been transfered or blocked!!!! 2. The terms of my isa had been 'breached' and was not available for transfer. WHAT IS THAT ALL ABOUT??? Our isa's are instant access accounts. What are RBS playing at and what is my immediate recourse? Santander want our business, have assured us we will not lose out on any interest payable. I am awaiting a call back from RBS. Any advice, assistance etc would be greatly appreciated. Many thanks

Hi I have an RBS Loan and am about 3 years into it. Last year due to drowning in other debts I came to an arangement with RBS to pay just £30pm instead of the normal £326pm. I have made all my payments with no issues but now that 6 month period has ended I know I cant go back to £326pm as this would leave us with very little to live on. In that time interest has still been added to the loan account and I feel it is getting out of control. Any help or advice greatly appreciated.

Hi, Just a quick query but a little long winded. Got an basic account with RBS back in 2007. I handled the account well, never going overdrawn or anything like that. I decided I was going to move abroad and moved late April 2009. I changed my address with all organisations to my parents address before I moved. I remember going into my branch of RBS and asking for a change of address. They asked me to fill in a form which I did and handed back to them. I have recently moved back to the UK and having done a credit check can see that I have defaulted on this account. The account defaulted in August 2009. I asked my parents if they received any mail from RBS to which their reply was none. Having looked further into it, the address on the credit file for the default is the old address. It looks like it was never changed. My questions are: 1) If I pay the amount owing, can I have the default removed as I have no knowledge of the default. 2) How would I go about challenging the balance owed, and if I challenged it, would it add to the time the default will show on my account. Thanks in advance

[ATTACH=CONFIG]42891[/ATTACH] Good morning Just received this letter from RBS. I have told them in the previous 2 letters that my financial position is just as dire as it was 6 months ago (if not worse) and now they threaten action to recover the debt. Can anyone give me any hints on what to reply as they are seriously getting on my nerves now! Thank you LT

Hello, Was looking for some advice on a RBS Loan PPI claim that I was successful in. I've had a loan for £25k for about 15 years now which has been re-financed several times during this period. I was offered a total of about £1600 , which I accepted as checked with the ombusman who confirmed that the bank will only provide accurate information to me. Since then I had previously requested a SAR which has now come through and the PPI payments seem to be a lot more that what was offered. I dont really understand exactly what was paid or not as they haven't made this easy on the statement, however was looking for some advice on the following: - What would the standard monthly PPI be for a loan for £25k? - Does £1600 sound about right for a loan of this amount - I did stop the PPI in about 2006 so this would have been over about 6 year? - Would RBS have sent me the correct figure? - Can I now challenge this if I have already accepted as I only accepted this based on the information provided to me? Any advice that can be provided would be appreciated as starting to feel like I might have been mislead by RBS with this and want to ensure that I have been reimbursed the correct figure. Thanks and regards J

Hi, Just looking for a quick steer if poss - RBS have offered me £956 for PPI for two loans, looking to understand roughly if this is a massive under offer or not. The loans were: 2004 - 2009, £4000 borrowed with approx. £120 paid each month for 3 years and £45 per month for the last 2. 2007 - 2010, £3000 borrowed, approx. £140 paid each month. Both loans paid as agreed, both with PPI. Any rough ideas of the reasonableness of the £956 offer? Thanks, Mark

I have an rbs overdraft. i also had a rbs loan which has now been paid off. During the it glitch they took off my loan payment twice. to cut a long story short they then made a bit of a mess, but to make uo for it upped my overdraft limit by £428 for 6 months. I received a letter saying that as of 3 February 2013 my overdraft would be reduced to its previous level (ie) be reduced by £428. February has come and gone with no reduction to my overdraft. I would be in a bit of trouble if they now reduce my o/d by £428. Given that my overdraft was not reduced am i within my rights to assume that i now have a new overdraft limit? If they do reduce my o/d eventually i will complain and ask for an extension (3 months) to allow me to find the £428 which i am sure they will agree to....

I've SAR'd RBS as during the 1990s I had an RBS credit card, and since 1988 until now I've had a Natwest account. I received what they say is everything today. A list of screen prints listing my account details, and a short list of screen notes. And a list of 2 loan accounts I had with them which contained PPI. RBS sent a letter stating they can't find anything. Is this normally what is expected of them? Although the SAR 40 day limit is next Tuesday, I've called them and they say that's it. Surely there's a list of transactions, lots more notes (it's my main current account) and a considerable amount of data available? The stack of information I had from Capital One was 3 times as thick, and that only contained 3 years worth of information. Also, I know I had a loan account with Natwest in 1990/1991. I don't have details of it, apart from an approximate date and the amount of the loan. I was advised by my local branch that they still hold information on this account from 1990, but the SAR didn't go back this far. If they are still not able to locate this, can I estimate this based on the knowledge that I knew the loan amount, and suggest a reasonable PPI amount based on data available at the time? My SAR request contained the line suggested by DX in order to get them to deliver all types of information in whatever format, so I'm hoping that means I can demand information from a 'relevant filing system'. Does this mean I can get them to search microfiche or other data that may be held at a branch level? Regarding the RBS card account, how far back have people been able to get them to retrieve data from? I suspect they just don't want to search, but if it's a general rule that RBS don't have data from back then, I'll have to use the limited statement data I do have and estimate the amounts. A bit more information on this. Along with the limited information that RBS supplied, I also received a note advising of the loans that they could find. These were from 2002 and 1994, and gave the original loan amount along with the PPI amount. This also had contact details for NatWest's PPI complaint department. I called them to enquire as I was sure there was another loan. Just a 2 minute search by them, and I had the dates and details of a loan I took out in 1990 and paid off in 1994. They advised no PPI was on the loan, but what confuses me is the odd amount I apparently drew on the loan. The requested amount was £3136. I'm fairly sure that I would have taken out a round amount, £2500 or £2800 rings a bell. This seems to fit in with the other loan amounts, the amount drawn on these loans are a round amount. After a couple of other calls to other departments, it was advised to me that their Customer Lending Centre has an archive of old loan agreements going back 25+ years, and a letter to them should give me my agreements. I'm now waiting for this. The RBS MasterCard included a list of transactions going back to about 2001. Very conveniently for them they can't see any record of PPI being on the account - had they gone back just one statement from what they supplied PPI was charged prior to this. Has anybody had experience of RBS supplying older data than this? Although the SAR expired on Tuesday, I'm giving them a further week before I send the failed SAR letter. However, I'd like to be prepared for this. No doubt a number of people on here have had cause to SAR RBS. Do they normally provide a list of transactions and considerable more data than just a few screen prints of the account settings and a short selected summary of a few phone calls? I didn't specifically ask for a particular item. I used the SAR template letter on here along with DX's suggested modified line asking for everything.

Hi all, I have recently sent out SAR to RBS please see my letter below, then the reply from RBS, what a joke, how can they delay my SAR like this?? I know they can ask for proof of identity, any suggestions what I should do / template reply letter.Do I comply and send back what they are asking for? I have some / most of the information they are asking for. PPI Customer Concerns Team, Royal Bank of Scotland Group, 5th Floor, Hardman Boulevard, Manchester M3 Date 20 FEB 2013 Dear Sir/Madam Please send me all data that your company holds relating to my entire account history. EXCLUDING ACCOUNT NUMBER XXXXXXXXXXXX ( THIS IS MY BUSINESS ACCOUNT) Previous address other than above, if there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. XXXXXXXXXXXXXXX, DO NOT SEND ANY XXXXXXXXXXXXXXXXXXXX CORRESPONDANCE XXXXXXXXXXXX TO THIS ADDRESS Please include details of all transactions, and a copy of the original contract by which this account is/was governed at the time it was opened including all amendments made to the contract terms since opening the account. I would also like a schedule of all charges & interest applied to my account(s) including details of any instances that required manual intervention. If you are unable to provide this specific information, copy statements will suffice. All data, including data held on a microfiche must be provided within a reasonable timescale, a maximum of 40 days. In light of all the recent publicity regards the reclaiming of bank charges, some Banks appear to now only be providing a breakdown of charges in response to all and any Data requests. For the avoidance of doubt I do actually require all information held by yourselves. It seems a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all. If you no longer hold data beyond 6 years however, I would like a signed declaration from your data controller and a copy of all documents pertaining to its proper disposal. Whilst not exhaustive and for the avoidance of doubt I shall list what I require: * Full copies of all contracts that exist between myself and your organisation; including copies of any documents you hold in support of same. * Copies of all statements relating to the above accounts. * Copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts. * Copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them. * Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information. * Full details and copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party. * Full copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information. *Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of same, and at the time it was held or provided to a third party. * Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. I enclose the statutory maximum fee of £10. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. You have 40 days to comply with this request. If you fail to comply fully I shall enter a formal complaint with the Information Commissioners Office / FSA which could result in a fine and prosecution. Yours faithfully, ME Dear xxx Thank you for your recent Subject Access Request, forwarded to us form our Chief Operating Office, who are dealing with any bank account or loan requests. With regard to your credit card request, despite our efforts, we have been unable to trace a credit card in your name. To assist us in tracing your account, please provide us with your credit card number if possible, or advise us of an approximate date/year of when the account was opened/closed. It will also assist us if you can provide us with any previous addresses and postcodes, and confirm exactly how your name would have appeared on your credit card statements. We cannot guarantee that upon receipt of the additional information, we will be able to trace your account as it may have been closed for a longer period than our records are retained. If we are successful in tracing your account, we would require either three months original bank statements or an original utility bill, dated within the last six months, showing your current address. We are unable to accept credit cards statements, mobile phone bills or copy documents. If your are unable to supply us with any further details which may assist us in tracing your account, please resubmit your request enclosing necessary proof of address documents. all original certified documents will be returned. If you did not hold a credit card account with us, please disregard this letter. I trust this letter clarifies our position, thank you for your kind co-operation. Your sincerely Sally Ellis Customer Advisor Customer Management Any help / response or experience regarding this kind of reply top a SAR would be welcome, thanks for your help and I hope this threat helps others any help I can give just ask Thanks all STUARTPPI

I recently submitted an SAR to RBS, sent on the 7th Feb and received on the 8th Feb this year. This was for any and all information in whatever form (as advised by dx on a number of posts). About a week ago, I got a letter from their Mortgage department advising I'd never had a Mortgage. So far all correct. Today however I received two letters. One advising that the Lombard Request I put in should be directed to Santander, so I'll add that one to the Burton/Tandy/Debenhams pile for my next battle. However, another paragraph in this letter contained the following: 'As you have asked us to provide you with all Payment Protection Insurance information, we have also passed on your request to our Credit Card departments and NatWest Bank to enable them to check whether you had PPI on those products. The outcome of those investigations will be sent to you separately.' Not once I had mentioned that I wanted PPI information. I've written back to them advising that the information would be welcome, but in order to comply with the SAR that they would need to send me any and all information in whatever format, reminding them of the date that the SAR would expire. What's more concerning is the letter I got from RBS cards. This advised that they are unable to identify me. Bearing in mind that I'm still a customer of the RBS group (Natwest, but not RBS cards) they would not normally have any difficulty identifying me. All of my Natwest account numbers were contained on the original SAR request which they included with their letter, the same SAR request that contained copies of my passport and driving license along with all of my previous addresses. They also advised that they were returning my cheque. I'd suggest they check this as I only received a photocopy. I've faxed them back this evening advising them that the clock is still ticking. I've also sent a letter containing my Water bill which will be winging it's way to them first thing tomorrow. Another of my concerns is that RBS have pretty much admitted that they're not going to comply as they've stated that they may not be able to trace my account as it may have been closed for a longer period than their records are retained. The RBS card was from (about) 1995 to 2001, Natwest loans in 1991, 1998 and 2004 and a Natwest account from 1988 until today - I understand that RBS have been known to retain information in an 'archive' format from 1992 to 2001 - can anyone comment if they've been successful in getting such information from them? They've asked me to resubmit the letter and cheque to them when sending the identity documents. Am I correct in thinking that if these are 'resubmitted' this resets the clock? Should I be even enclosing a copy of the original letter? I'd like to remind them that the SAR expires on the 20th March, so they're only wasting their time, not mine.

Some years ago I took out a "draw down" account with RBS, as part of the agreement I had to take out 2 endowment policies with Childrens mutual as a means of ensuring the loan amount would be covered. I paid the set amounts with Childrens mutual and the minimum re-payment to RBS for several years without problem. A couple of years ago I was unemployed and struggling with finances, I decided to cash in the policies with Childrens mutual, which being linked to the RBS account went to them and paid off a large amount (£14,000+) of the outstanding balance, and I continued to pay RBS minimum monthly payments. Early 2011 I found employment and during that time I changed banks, during the change I inadvertantly forgot to change the RBS direct bebit and missed 2 payments. RBS contacted me and made out I was trying to default and wanted the remaining balance (£7000+) paid off. I explained the cause of the problem and made a credit card payment over the phone for the missed amount and said why would i have paid off £14000 just months ago, if I had any intention of defaulting and suggested setting up new direct debit with my new bank account. RBS refused and sent out a form for me to fill in explaining how I intended paying back the outstanding amount of the account. I duly filled out the form and informed them I intended to pay back £100 a month (over 3 times the min payment). This was accepted and I set up a standing order paying the £100 every month to RBS. After 6 months RBS sent another form asking yet again how I intended paying off the remaining balance, when i phoned and questioned the form, i was told the original was a 6 month agreement and this one was a review. I filled in the form and made the same suggested £100 per month. After a few weeks RBS replied and said they felt I could afford more than my suggested £100. To be honest I ignored them and have just continued paying the £100 every month. Now some 2 years later a company called Incasso contacted my wife (as I work abroad) saying they represent RBS and demanding the outstanding balance of £7000. She informed them of the history of the RBS account and that how could I owe £7000 which was the amount 2 years ago when i have paid over £2000 during the last 2 years, and why I am being persued for the outstanding amount when I have continued paying 3 times the original minimum payment iwithout default for the last 2 years. As expected they refused to speak to my wife as she was not the account holder. My wife now tells me a letter has arrived for a County Court claim against me for £7185 and I have only 14 days to respond. I can't understand how this Incasso can proceed with a claim when I have made every effort to pay off the outstanding amount especially as I pay 3 times more than the minimum payment. Ok RBS may not be happy with £100 but at least I'm making every effort and have never missed payment. I feel I have a reasonable case but am concerned that even by fighting this in the upcomming court case I may lose and have a CCJ against me. My request for advice is what would be the best way to dela with this?, any advice (especially any from similar experience) would be greatly appreciated.

Hello all, Around two years ago I wrote to RBS attempting to negotiate a full and final settlement for an allegedly outstanding credit card account I had with them (in the region of £200, mostly charges) in return for removal of the default from my credit file. No harm in asking eh? Two years later, and after numerous letters backwards and forwards, (never received a reply to the initial letter) RBS are claiming they can not find my account details, and constantly send me letters asking for "more information," I've told them the credit card type, my name, address and date of birth, I can't really furnish them with anything else. It's now at the stage I'm receiving real letters from real people, I spoke to a Ms. Sahota last Friday who agreed it was unusual that I could not be found in RBS' records, but they had been updating my credit file... I moved house in August 2012, RBS have updated my credit file to reflect my new address, but claim that they can not find me on their computer What do I need to ask them now to get them to "put-up or shut-up"? Regards, Andy

Hi there, Recieved a letter back from RBS/Tesco saying signatures do not match up for CCA. Will send them back a reply stating that signature not requiredfor CCA and will pick up from local branch if required. gchads [ATTACH=CONFIG]41609[/ATTACH]

Hello All, I sent a few letters off on 20th December regarding PPI mainly to HSBC and HALIFAX regarding Mortgage PPI. Also to RBS regarding C/C PPI. HSBC are looking into my claim that I felt that the mortgage would only be accepted with PPI. Halifax have said there is no record of M PPI although I am 99.99% i took it out it would be in the 90's - Shoud I SAR halifax or is it too long ago? RBS agreed that there is PPI on the accound but deny misselling - a very quick response, as I only questioned whether there was PPI! - I am inclined to follow this one up can anyone assist with an email address, a letter of response or should I go straight to FOS?

Hi all....RBS have been charging me interest for my 1k overdraft, these charges have taken me over my limit for which I then get a £6 daily charge. Then I get increased overdraft interest charges for for going over my limit. These charges get added to my account which takes me over my limit and thus the spiral continues. I have asked RBS to change the date of when the charges are added to my account but they wont. Are they allowed to add charges on charges?

asking for a friend. she opened a chargeback for goods not received on the 8th january, rbs are giving her the run around (in my opinion) theyve sent out 2 or 3 sets of forms for her to fill in and she was told today her case wont be reviewed til the 18th feb. she still doesn't have her money. now i thought (and this is whats happened when ive previously had to do a chargeback) you get your money back then they investigate? feel sorry for her cause its over a £100 she's loosing out on