Around 20 years ago my wife & I opened a Royalties Gold account with RBS. The account made available a sizeable overdraft which we made full use of. In early 2012 I spoke with a branch officer who asked me what plans I had to clear the longstanding overdraft. Not unreasonable. I explained that I was now a pensioner and my wife only had a part-time job and that we needed to remain in a position to care for our disabled son who lives at home. The upshot was that WE would pay £100 per month if they froze charges and interest; and this would be the only activity on the account. There followed a year of RBS collections harassing us for debt clearance. They repeatedly ignored the repayment undertaking which we had fastidiously maintained. I managed to get the FOS to take on our defence (following a visit to CAB) and, at the same time, someone in collections actually exercised their grey matter following numerous complaints voiced by me (my wife isn't 'into' all of this) and finally admitted their error and refunded loads of charges they had allowed their computer to generate. The FOS is still awaiting information. Now the RBS have decided that my wife is liable, in isolation, since I had written all of the complaints. I have notified the FOS but am inclined to issue N1 deploying BCOBs, showing contraventions of principles of Fairness & communication (or lack thereof). Because my Mrs already suffers hypertension and is medicated for high blood pressure, I am also inclined to sue for Special, Incidental and/or Punitive damages to compensate for the effort I have to put in and gain some recompense for my wife's anxiety. What say you fellow members? Can one even seek damages at County Court or will I need to go fast-track?

Hi Guys, hoping you can help me with a big issue my family have at the moment We bought my grandmothers home a couple of years ago. My father remortgaged the property 2 years ago to finance a business venture, which went bankrupt. So we were left with the remortgage at a horrible rate on a £120,000 property, paying out £800 a month. This has been ongoing for the past 12 months. Chopping and changing repayment amounts when RBS decide to 're-evaluate' our position. Basically, we have mortgage arrears of about £4000 on the house, and the mortgage was initially for £100.000. We have the house on the market now for offers over £114,000, however we will probably only get close to £105,000 at best. According to RBS, they are now raising court action because even though we have offered to make lesser repayments and the house is for sale, we are still accruing slight arrears every month. They just aren't willing to give us any more time. They also say even if the house sells we will still owe them a slight amount of money. Currently the house has a lot of interest, with 20 people due to have viewings over the next month. Also, the local council have contacted us and said they would rent the property off us for social housing and pay us £575 a month with the potential to purchase the house off us after a year. We informed the solictor this, but RBS just flatly refused the idea to switch the mortgage to buy-to-let. We asked the solicitor to switch the mortgage to a lower rate, as RBS currently offer between 2.5 - 3.5 % on mortgages. This would have lowered our payments and allowed us to meet them. Again, flatly rejected. At the start of January, RBS had told their solicitors to inform us they required £500 payments over the next 3 months. We cannot afford that, so we offered £250 a month. This was flatly rejected, and shortly afterwards we were informed RBS had raised court action to repossess. The fact that my parents have tried every possible option, with absolutely no leway or help from RBS, surely is in our favour. We've offered to make payments, at a lower amount but still offered, and are able to meet these payments (we haven't missed one since the repayment agreement started). The house is garnering good interest from potential buyers who are all due in to see it soon. We already have a concrete offer from the council to rent it off us, which the bank wont even entertain even though they will get their money that way. Any advice on our situation would be most helpful. The court action was raised yesterday. Just wonder how the courts proceed with this, and if the fact we have done every possible thing to keep paying RBS but they have shot all of our options down would result in us being allowed to keep the house and not be ruled against? Sorry for being a bit muddle in the information, i've just put down everything relevant. Thanks Greg

Hi, Wondering if anyone can help. I had a letter on the 28th from RBS saying that they have tried to contact me to ask me to pay money into my "account or accounts".It also threatens to impose a Default or Termination notice. On top of that they say they have passed my details on the Power2Contact and have cancelled cards and chequebooks. Nowhere on this letter does it say what they think I owe nor to which account it relates and I have checked my online banking to see that I am within the agreed overdraft limits on my overdraft, my loan is paid up to date and my credit card is in balance. They want me to call them on an 0845 number between Monday-Saturday 8-9pm. unfortunately I work from 8-11 everyday but sunday and have no time to contact them, nor do I wish to call them on a premium rate number. I sent them a letter yesterday to ask what monies they think i owe and to which account it relates, i have also told them that I cannot call them on the hours they state. Has anyone else had a similar issue? I'm not sure why RBS can't send me a letter telling me what monies they think I owe? Thanks

I desperately need help. I opened an RBS account along with a few others with their forms online intending to try them out and pick my favourite. I received the RBS details in the post but never used or touched the account as I decided to go with Barclays. This was all in early 2011. I then left my address mid 2011 and was of no fixed abode. I was a teenager, alone, mentally ill, disabled and legally homeless. Fast forward to early 2012 after being in care and finally housed on my own and finally starting to get settled. I had a few issues with Barclays so I thought about trying out some of the other accounts I remember I opened. I called RBS to ask for a new card, explaining that I'd never used the account before and I didn't have any information or cards or any of that kind of stuff - they said they'd send it all out to me again, no problemo. I did the same with Santander. Amongst the stress of moving into an empty undecorated home, I completely forgot about bank accounts and never received anything from RBS as they said I would. Fast forward to late 2012, when I get a dodgy looking email from RBS saying they need to talk to me. I called them and they said it was certainly phishing, they don't email people. I tried and tried again until finally I got through to someone who said yes it was indeed from RBS and they needed to talk to me. They explained to me that my account was overdrawn, which I said couldn't possibly be true - I'd never used the account. They vaguely mentioned some kind of cheque bounce fee, and said they'd transfer me to another department to speak to someone. This next department was very rude and hung up on me because I didn't have any information on my account, because I of course didn't have a debit card or any of that sort of stuff. I tried a few times more to no avail, RBS didn't want to talk to me. I went in branch and spoke to a bank manager that said he would sort it out for me. I explained that my address had changed and I had no information on my account, but I tried to prove my identity with my passport. I also told him RBS had emailed me saying they had been trying to contact me - he was also certain that this was a [problem], but asked me to forward it to him when I got home. Whilst in the branch, he also asked for my new phone number and address so he could update it for me, and I emailed it to him later too just in case. I forwarded him the email that same day and he replied explaining that it was indeed RBS, and that there was a problem with my account. He said he had spoken to them and that they wanted me to call them. He also emailed me my sort code and account number so I could give it to them as a reference. However, as I should have expected, upon calling I got the same message - we cannot pass you through security, sorry. I tried and tried again to explain the situation. I tried emailing the bank manager again but he said the same thing over and over despite me explaining they refused to speak to me. At this point I gave up. I had no idea what was going on, and RBS didn't want to speak to me. I should note that I still haven't received anything from them via post at my new address. I eventually tried calling again, and a lady finally gave me some more information. She said they were going to try and trace the cheque number, and she said that there might be some kind of fraud on my account. For them to trace the number, she told me I had to go into the branch and ask them to do some kind of trace. I did so, the manager wasn't there (2wk holiday), but his subordinate said she would do it and call me back within 2 weeks. I got no such call, and my efforts in chasing this up proved fruitless. I tried to contact the same bank manager again but he ignored all of my emails. Finally, he replied and said there is nothing he can do, he can't speak to me anymore, and that I was to contact RBS or alternatively file a complaint. I did so using the website last week and was contacted today on the mobile number I gave them on the form, it was the complaints department. Moments ago, I spoke to a very cold complaints department lady who told me the bank was not liable and it was all my fault, and said I would have to pay up the £600. I tried everything I could. I asked if they had recordings of that initial phonecall too. Eventually whilst on hold I broke down in tears. The complaints lady tried to transfer me to some kind of repayment department, but gave up and said the lines were busy. She said she will call me back later. I am very distraught and am struggling to deal with this whole situation. There is absolutely no way I can afford to pay £600, I can barely afford to eat. The maximum I could possibly afford is £5 a month, which means it would take me 10 years to repay. I should note that have also filed a default notice against me which has absolutely ruined my credit record which I have being trying oh so hard to improve since my 18th birthday. Can anyone help me? I am afraid and I don't know what to do. Thank you for your time

Hi, I have an ongoing dispute about an investment with Natwest/RBS. In the correspondence they've always said I should refer to the Financial Ombudsman Service if I'm not happy with their replies. In the latest letter they haven't answered any questions because they believe they've already looked at the matter enough and simply point towards the FOS (stating that my right to use FOS runs out soon). Firstly: can I rebut the deadline given to me about my right to use the FOS? Surely, I can decide if and when I need to use them? Secondly: I'm wondering if going to the FOS weakens my case against RBS? I'm aware that the decision from the FOS isn't final if it's in RBS/NatWest favour, but I wonder if the small claims court will think my argument isn't as strong if I went to the FOS first as opposed to straight to the small claims? I also wonder if NatWest/RBS are aware of this?

Just noticed this one so have popped over from the bailiff forum for a mo Link to an article that is telling RBS to cease using Charging Orders like confetti on low value debts: http://www.telegraph.co.uk/finance/personalfinance/consumertips/banking/9795724/OFT-bars-RBS-debt-collecting-that-puts-homes-at-risk.html several comments basically saying the bailiffs should clean the houses of these debtors out and flog their chattels.

Hi all I have been searching the forum for a couple of days looking for an answer and although there are some familiar comments to my issue the advise seems to be first class so I thought i would post up my scenario. In essence I applied for a refund of ppi payments on a credit card loan. These were typically monthly payments and costs were relative to balance of the card at the time. I had this card for approx 3 years. On receiving the card I got the tear of slip saying that if you wanted ppi to fill in and return and it would be applied. This I still have and it was never sent back as i did not need the insurance. However looking back through my statements it was applied from the word go. I sent a letter claiming back the payments via the standard form and eventually got a letter back stating your claim was being turned down. The reason being was i had a call 6 month later from a call centre selling me the insurance. However when i look at my statement the ppi shows on my statement 6 months previous to this alleged sales call. They also state that as the monthly payment was clearly shown on each statement that i must have known i had it and should have claimed. Surely the issue is that it was applied to my card initially and the obviousness is irrelevant. They have sent 2 copies of statements to show this. They also sent me a copy of the terms with the cancellation rules and say it is clear. On this my counter argument is i did not receive any docs. Do I have a case to go back to them with or do i go to the ombudsman. Are these legit reasons to not pay out etc. Any advise would be most appreciated Thanks MossgG

Hi All, Looking for some advice on my Natwest Credit card PPI claim/RBS SAR request: - Natwest CC - SAR request sent - Reply received with 2 letters both from RBS. One is from the Card centre stating that "as the account is no longer active they are only able to search for an account with a 16 digit credit card number. If you are unable to provide the card number, and we have been unsuccessful locating your details on the information provided, we will be unable to find your details on our system" - They have returned my £10 cheque also. This account was open between 2004-2010 and I have provided them with extracts from my statement and my full details....I also still hold a RBS account so find this unbelievable that they cant track down this credit card account. The 2nd is a general SAR reply stating that they have returned my £10 cheque and will not charge me for a full subject access request as they are experiencing large volumes of PPI requests, however we have provided you with details relating to your loans with the Royal bank of scotland plc. This includes about 10 accounts with "unknown" quoted in the PPI field apart from one where it states £3416 added on outset of loan between 20.05.2004 and 25.08.2005. They have also said that they have passed on my request to their motgage and credit card departments to enable them to check whether PPI was applied on these products. The outcome of these investigations will be sent to you seperately. Any advice on what to do next would be appreciated? Thanks Jon

I have already submitted a ppi claim to Natwest which I believe is with the calculations dept! 2 questions really. 1) They have just requested authority from my husband as the main policy holder which has really bugged me as this is the first time since the claim was submitted so surely they should have requested this before. Delay tactics? 2) We are on a DMP with cccs atm and the company I am claiming against are 1 of our creditors. The claims are for 4 closed loan accounts. The remaining loan account has already been ccj'd and has a court order to pay a set amount each month. My quextion is, can they or are they likely to offset any claim award against this account with a court ordered payment in place already. I could really do with the payment to fix a few house problems and fix my car which I need for work. any remaining would go to our credittors but I think it should go pro rata not just to natwest. Have any of you guys had the cheque straight to you? I don't intend to waste the money but think it should be my decision who get what! I am also considering a self managed dmp as I don't think cccs have helped that much and were useless when natwest took us to court.

Hi I'm a new user and wanted some advice. I held an RBS Visa card from 2001 until 2008. I recently contacted them (on the back of the publicity about PPI) to ask whether I had PPI, as I had shredded all of the statements. When I was put through to the relevant team I was advised that I did have PPI and was given a complaint reference number. Just before Xmas I received a letter from a Case Officer in the PPI Customer Concerns Team who advised me that I took out PPI when I applied for the card (I'm not sure whether I applied for the card on-line or in person). As the policy was an opt-in policy, the view of RBS as stated in their letter was that they were unable to uphold my concerns on the basis that I had opted in to the policy and received information about the policy with credit card statements. In their letter they provided information about the Financial Ombudsman service and how to make a complaint. I would appreciate the views of members on whether it is worthwhile proceeding to the next stage. Many thanks Simon

Hi All, I'm not new here but also not a frequent flier, in the past the info and advice I have gained from this site has stood me in good stead...... so I'm back again, sorry. I have 2 defaulted (delinquent) credit card debts on my file that I would like some advice on, apart from these my file is good with loans, mortgage and mobile phones all perfect. The defaults are from a time shortly after a difficult period in my life, I'm now in a much more stable position and would like to get these errand debts at least under control. I would like to point out I am not looking to avoid my obligations but I'd like the odds to be in my favour where ever possible. The first is for approx £1800 to Cap 1, the default date is Aug 07. I sent CCA request which was not satisfactory so I told them the account was in dispute and just turned my back, since then I've lost count of the amount of DCAs the debts been through, all the usual supects. It's now with Low ells. In light of the fact that next Aug the default date will be six years ago am I best to leave this well alone? The second is to RBS and is at almost 5k, default date on this one is 2010. I would actually be willing to start paying this off, there are charges on the account but I wondered whether it was best to start clearing the debt first before sticking in a SAR. Also if I start making payments on this will it's status on my credit file change and start looking favourable again? I'd really welcome any advice on this matter as next year I'm looking to expand what has been a one man band working out of a single garage and get proper premises and I'm guessing I'm going to need the banks help. Many thanks in advance.

I will not give you the full sob story, but I stopped paying this (and other) CC two years ago because I did not have the funds to maintain payments. I sent an SAR (including a request for the CCA) to RBS back in May 2011 and they responded stating that they 'were unable to obtain a copy of the original application form'. This card goes back a long time, certainly pre 2007. I think it was originally an Access card. I (stupidly) did not put the account into formal dispute. I believe that all the necessary default notices etc. have been served by RBS I recently arrived back from overseas to find a County Court claim (attached) had arrived in the post. This is dated 27th November, so I do not have much time to take action. I would very much appreciate some advice on the best course of action. Should I contest on the basis of there being no agreement? If so, how should I go about that. Am I better off contacting Shoosmiths and agreeing some kind of payment plan with them? Are there other options? Thanks in advance

Hi all, I'm brand new to this forum & wondered if RBS Advanta still exist? I have a credit card contract signed with RBS Advanta - and this seems to be MINT now? Is the RBS Advanta credit card contract a valid contract still? I'm being taken to court by the Royal Bank of Scotland over a credit card loan, which I signed for with RBS Advanta for £3,500 back in 2003, but they kept on increasing this, without my permission or requests, to over £9,000, and now I'm unemployed I cannot afford to repay this, and they are taking me to court when I have no money? Can they do this when only £3,500 signed for? Also, signed with RBS Advanta (not MINT)? Any help here would be greatly received, feeling desperate, thank you. Round table.

Hi all, My wife and I are about to apply for a mortgage so we thought it prudent to get copies of all our credit files to see exactly what might be there, as we've had financial difficulties in the past. The reports are all good, apart from a default from RBS for £268 for a current account my wife had at a previous address. Looking back at the paperwork we have, my wife used this account up until mid-2009 when she wrote to RBS asking them to close the account, at a time the account was inactive with a few pounds left in it. We moved house shortly afterwards. It appears they didn't close the account and the resulting current account maintenance charges mounted up at £20 a month until the account became overdrawn, so they added charges for that too until they finally defaulted her for nearly 300 quid! I'm up for a fight with RBS as we have copies of the letter we sent asking them to close the account and we wouldn't have received any mail from that old address as we only redirected mail sent in my wife's (by then) married name, the (as we understood it) now closed RBS account being the only one left in her maiden name. Bearing in mind it's for a smallish amount and made up entirely of charges, do you think I have a reasonable chance of getting RBS to strike this off? My intention is to SRA them in the first instance, to see if they received our original letter. If so, then I will ask nicely and make a goodwill gesture towards the charges in the interests of reaching a satisfactory outcome. If I get no joy from that, I intend to hit them hard and make them present the paper trail of default notices etc. Does anyone have any advice? Cheers BL

Hi I'm looking for some help with my RBS PPI reclaim. I have made a succesful complaint against RBS, they have conceded my complaint and are prepared to offer me a refund. This is all fine, except i am in arrears on my loan with them and they would not tell me before I completed the acceptance form whether they would refund me in cash or a balance reduction. I spoke to somebody who advised me that they would need powers of consolidation relating to windfall payments, drawn into the original credit agreement to be able to do this. As such i wrote to them with a S77 request, and subsequently a request for them to provide me with the terms and conditions that i signed at the start giving them the right to do this later on. I received a response back from them to the S77 request stating they were unable to locate my credit agreement, and consequently the terms and conditions i had signed at inception. I understand this may give me a case for unenforcability, but i would like to get my cash back from them before i go down that route. I returned my acceptance form back to them, and they have refunded the cash back into a current account i had with them that was overdrawn and defaulted, thus swallowing my PPI refund, for a totally unrelated agreement???? Any help or guidance on what i should do from this point would be much appreciated. Many thanks

Hi have a Royalties Gold account which we pay £12.99 a month for. Never really used the benefits but recently have had to make a claim on the travel insurance. My mum died 7/9/2012 and I was going away on the 12/9/2012. Obviously I never went and have been trying to get my money back. I rang and informed them and was sent a form. I got confirmation off easyjet for the flight, a cancellation invoice off asda travel for the hotel, copy of death certificate and a letter off my mums GP. Anyway that was not enough. I got confirmation off the hotel to say I never arrived and another letter off my mums doctor. That still is not enough. I now have to send the [roof of booking off easyjet, the booking off asda travel and a medical questionaire needs filling in off my mums doctor. I am apalled at the way they handle claims like this. Its bad enough losing your mum let alone what you have to provide. Anyone else been in the same position?

Hardly surprising given aftermath that recent computer problems have seen by 3 banks. http://www.bbc.co.uk/news/world-19929376

RBS are paying me £2002 from the missold ppi. Thanks to everyone here - esp dx100uk and all the other guys here - who pointed me in the right direction of getting a Subject access report at Lloyds tsb where I found my Lombard direct details. Its a success that I'm happy with - thanks everyone!!!

29-8-2012 I paid £6.00 for petrol at local gas station, one of the malthurst Group. Plenty of cash in account, no worries, forgotten all about it. I was checking the accounts on Monday, (1.10.2012) when I noticed my current account was £6.00 overdrawn. This is odd as I do not have and do not want an overdraft facility. If I tried to use my card when there were no funds in the account the card would be rejected, simple as that. When I looked to see what had caused this, it is the £6.00 I spent on 29-8-2012, only just put through for payment now! And of course it had to be when the account was empty didn't it? I checked with the bank straight away, they say this is quite common and sometimes accounts aren't debited for up to 6 months later. I rang the garage and spoke with the manager who assured me that everyday at 12 noon, a list of all receipts is e-mailed off to whoever for clearance/whatever it is they do. I am stuck in the middle here, this is unfair as I did not know that my £6.00 hadn;t been taken on 29-8-2012, and in any case when it came in late the bank ought not to have paid it as it caused an overdraft. I know its only £6 but it could have been £60 if I'd filled the car up that day, and anyway its the principle of the matter. Can anyone shed any light on what might have happened here? I've been hit for another two lots of £6 as the daily charge on being overdrawn. I've cleared this £6.00 now, and the other charges come later in the month. Willing to have a go at whoever's fault this is, but I cannot fathom out whose fault it is!

Hi I have the usual problem of having PPI when i don't need it. I opened the card in Apr. 2002 and it is still going. I have phoned them today to inform them of my complaint and to get the ball rolling. I have been making just above minimum payments to my card (which has a limit of £2800.) for about the past 5-6 years and as i dont really bother with statements, until looking at a few recently the ppi payments kept on putting me over my limit every month and generating an overlimit fee every month aswell. So i have been getting no where at all with the balance. Am i able to try and claim the overlimit fee's aswell or would that be just pushing it, because after having a good look through had the ppi not been on it i would have paid the card off by now. Thanks in advance AM

I am absolutely fuming at RBS and would like any advice, suggestions from anyone as to what I should do next apart from tear my hair out. I am joint executor of my late mother's will. My brother asked if he could handle the administration of it on his own and was told, categorically, through a lawyer he has acting for him in another matter, absolutely no way. He told his lawyer he would contact me. He did not. Now he has emptied one of my mother's bank acounts with RBS and the bank is telling me it's a family dispute and to seek legal advice. They sent me a copy of the will he used which names me as co-executor but from which my address is missing so it's not a true copy. Apart from that, because he's **Expletived deleted ** - and an ex RBS employee - I'm having to fork out to get a Grant of Administration and am just about to ask the bank how they propose I do that when they've allowed him to empty the account. And I'm threatening the Ombudsman. Apart from sending me a copy of the will he used, which they must have believed to be a true copy of a certified document, they are refusing to send me any correspondence they had from him in the "winding up of the estate". I can't believe it. I am a joint executor and involved in the winding up of the estate. They have, basically, changed my mother's will.

Hi All Just a quickie Ive now got 4 ppi claims going with RBS these have been going on for over a year now I have all the original paper work so there should be no getting out of it for them:smile:however two claims i had not heard anything from them for a while a wrote a letter chasing them on these two using there ref numbers to get a reply back this week saying "they are unable to progress this matter further" as i have not given the reasons for the complaint i have letters from them about all claims i have got with them these two included saying they are progressing them however to make things more complicated they have now changed the refference number on the there letter so i have not got a clue about witch claim they are talking about is there any way I can hurry them out ? or could I charge them for every letter I send them as they are all sent RD. Thanks CB

I went to withdraw money from cash machine last Monday and discovered my card had been cancelled. I rang my branch to ask why and was told I should have received a replacement due to santander taking over Rbs. I told them I had not received a replacement and she put an order in for a new card, and told me it would take upto 5 days to come through. I phoned again today when it did not come in todays post to be told it had been sent out and I should have received it. They have now ordered yet another card & I have to wait another 5 days for this one. I told her I needed money & couldn't get to the bank before they close so could they issue me with a pin number to withdraw money from cash machine, She told me as my card is cancelled there is no way of doing this. When I said I was puting in a complaint she asked if I would like the manager to call me (this was at 3pm). I am now waiting for a telephone call from the branch manager which isn't looking likely as they close at 4.30. How am I expected to get money if I cant get there before it closes? I am furious with them. x Roz x

Hi, I'm new on here, hope you can help Some weeks ago I posted my PPI reclaim documents to my bank (NatWest) and a few days later I received a text message from RBS saying, "Thank you for letting us know about your concerns regarding your PPI policy. We will acknowledge receiept in writing within the next 5 working days." This was about 5 weeks ago, since then I've heard nothing. Not received any written acknowledgement, email or any other texts. Is this normal? What should I do now? It seems from the text I received that they have got my documents but since then nothing has been actioned. Should I give them more time or should I chase this up? (who do I speak to?) Hope one of you guys could help me with this. Thanks for your time. Ginger.

OH has had a letter from Hillesden Securities claiming to be acting on behalf of RBS. He fired off a CCA request but they have replied saying they are acting for RBS and he'll have to ask them for the agreement. Is this right?