I am looking for advice regarding a gesture of good will from RBS . The original complaint was turned down twice by RBS their reason was non advised sale , it was a credit card . . However I referred the claim to the Financial Ombudsman who contacted me by phone and said that RBS were now willing to uphold my claim and would be in touch . 6 weeks later I have received a cheque for £800 as a gesture of goodwill. Can anyone advise whether I should accept this or try and get a fairer redress . I think the total due to me should be around £2000 by my calculation . Any advice would be appreciated . Thanks in advance

Hi In 2007, RBS defaulted me due to me going onto a DMP with CCCS (Now stepchange) In 2009 i successfully got RBS to confirm in writing that they could not find my credit agreement and thus could not take actions to enforce the debt. I have continued to receive a credit card statement every month for over 7 years. The balance doesn't change. They dont add on any interest. I don't offer them any money and they have never asked for any. Is there something i can send to them basically saying don't send me anymore statements because you aren't getting anymore cash or will i have to just put up with receiving a credit card statement with an outstanding balance for years to come on a balance that is never going to be repaid. Regards Rob

I made a successful claim on a Natwest credit card some years ago. Today I received a letter from RBS advising that my claim had been investigated and I was due more redress. What is the connection between RBS and Natwest?

Tens of thousands of people will receive refunds, plus interest, for charges incorrectly applied to student current accounts held with RBS and NatWest between 2002 and 2016. The RBS Group, which RBS and NatWest are both part of, says it has written to affected customers. The two banks offered interest-free overdrafts on their student current accounts. However, some people had the option to increase their arranged overdraft limit, in exchange for interest being charged on these higher balances. But following a business review this year, the RBS Group discovered this went against the terms and conditions of the account, which said students would not be charged interest on any authorised overdrafts. As such, it is refunding any interest it charged on these authorised overdrafts, plus interest. http://www.moneywise.co.uk/news/2016-08-25/thousands-due-refund-after-rbs-student-account-error

Hi All, I know this forum is about getting yourself out of debt, but I'm at a time in my life where I'm getting married so applied to my bank (RBS) for a loan of £2,000. A small sum for a quiet wedding. I have been a customer with them for years and have always been on good terms. They declined me, for reasons unknown - they know how much I make as they process the wages!! Their website doesn't have appeal information so was wondering if anyone could help me out?

Hi My gf has some debts, and she is thinking of trying the same thing. One of the debts has put a ccj in place on the house value, and the creditor is listed as solicitor so anything we can do there? i thought id ask just to be sure thanks

My wife CCA'd the RBS regarding her credit card. They have sent back a copy of her application form (below) and a copy of a 7 page Credit Agreement. The copy of the credit agreement is unsigned (in fact there is nowhere on the agreement to sign) so I imagine if thats their best effort, the agreement is unenforcable. What do you think folks.

I am currently investigating the enforceability of two credit card accounts which were held with Royal bank of Scotland They merged both cards together at one point, Classic Visa with Gold visa to give one card with one credit limit as opposed to two cards with two limits. I have requested a subject access request report from RBS over a period of several months so that I can fight the case. They have eventually come back to me with some statements for the initial account however they have admitted that they cannot obtain the credit agreement for the first card (RBS Classic Visa). My issue is that this card was cancelled when they transferred the credit limit over to the other card as there was a zero balance on the card at the time. They have supplied me with the following information which I am now quoting from there letter received by me on Friday 5th March 2010 “Our records advise that we have completed a subject access request on the above account which has been sent to you. However whilst investigating this I have been able to trace statements for you other credit card account **** **** **** ****, I apologise that this information was not sent to you with our previous response. The Fifth principle of the data protection act 1998 states that personal data shall only be held for as long as is necessary to carry out the purpose it was collected. Therefore the Bank holds personal information which is necessary for maintaining your account. As the account **** **** **** **** has been closed for some time, the only information we hold in relation to the account is copy statements. It appears that the account was opened around May 2003 as the statements only date back to June 2003 and shows a zero starting balance. I have enclosed the statements and I confirm that we have been unable to obtain a copy of the signed agreement for this account “ My issue is that they merged the two accounts around July/August 2007 when the credit limit increased from £6800 to £9100 (£2300 credit limit used to increase the value on the initial card which was then cancelled) GThey also offered a 0% balance transfer programme at this time as an incentive to merge both cards. They have only supplied me statements from the initial card up to July 2006 even though there was a zero balance up to approx April 2007 when the card was used then cleared again so they are clearly not giving me all the necessary statements in the SAR Request. I am also investigating the fact that the interest rates have dramatically increased since the time the card was taking out and looking at the possibility of an unfair relationship claim if the Unenforceable credit agreement claim fails. Where do they stand with merging the cards since they have now admitted that don’t have a CCA for the card??

Good evening all, I'm a long term lurker here, but this is the first time I've dared to write in.... Around 2010/11 I had a bad relationship breakdown which lead to the usual problems as a result I got myself into a right financial tangle with about 8 defaults of various sizes and kinds. I now have only 4 left, 3 of which are due to fall off within the next 5 months so I'm going to just leave them alone. The last one won't fall off until September 2017 and is for circa £2,700 which was an overdraft with RBS. I stopped using the account because I got sucked into a never ending cycle of charges and charges, which amounted to hundreds of pounds a month. I would say that total charges I paid over around 18 months would be very close to the default amount, if not exceed it. My situation now is much improved, I'm earning 60% more than I was, and considerably happier. I have a new partner, and we're looking to buy our first house together. This final RBS default is obviously a stumbling block though, and I'm not sure what I can do. Any advice would be much appreciated,even if it is only to suck it up for the next 18 months! Many thanks in advance, Rob

Hi All, new here but been a reader for years. This is complicated and im out of my depth. A couple of years ago my long time friend had problems with business and life, (approx 4 to 6 years ago.) His business went into liquidation and his marriage broke up all at the same time. He came to stay at my home for about 8 months while he sorted himself out emotionally having no where to go. When his business failed he had a personal guarantee for the overdraft on his business. ( this was a gray area for him because at the time he stated he wasnt sure if he did or not) more one this on request. The over draft was £25.000 He had a personal account with the same bank, and this is when it became clear he had personally guaranteed the overdraft. About 6 months after his company went into liquidation he went to the cash machine one day to retrieve his benefits payment and it had been frozen. He rang the bank and was told, they had closed his account due to the debt owed to them by his ltd company and they no longer wanted to do business with him, He was told all he could do now was to wait, and they would be in touch. For the remainder of the time he lived here, he heard nothing from anyone. He also had another debt of a credit card (an old goldfish card which he defaulted on when his bank account was closed). This is where I come in, He moved on and ive only seen him a couple of times since, due to my failing health, and not at all for the last 2 years. About a year and a half ago, letters started arriving for him i put them all to one side for a while. Then the debt collects stated to knock on my door. Im bed bound and I have carer's, im paralyzed and having a big health problem currently. I have to communicate with these people through my door entry system, or allow them to come to my bedroom and all that entails.. I have had constant harrassment, Every time I explain my situation. Tell them he isnt here. They have contacted my neighbors, a couple of months ago, the local drug dealer knocked at my door, at 11pm at night, to tell me he had a call from a man regarding my house and who lived here, and was given a phone number for me to contact him on. This has in this situation left me very vulnerable. ive had calls from 'parcel force'' tried to deliver a parcel for this man, does he live here?? Each time there was a letter, ive contacted the senders, a door knock, ive explained the situation. Asked them time and time again to stop. one of the companies chasing him told my carer and me, as long as he owes us money, we will carry on coming here. Ive been told he owes money, I was told they spoke to his son.. (didnt even know he had one). They also said he had taken credit out at this address within the last 3 months.. (which is a big concern to me) I cant seem to make it stop. The last contact i had was by phone direct to the company sending out these collectors, I explained everything above and was told no one else from there company would come. Yesterday a hand delivered letter came through my door, addressed to 'friend' I opened it concerned about all the above, and its a statutory demand. I assume from the same company that has done all the above. It states he has 18 days to respond. I have contacted everyone i know who might know his present where abouts but as yet havent had any contact from him. But im trying here to get the ball rolling, because if he doesnt sort this out in the time scale, i dont know what the consequence will be for him, or me! Any advice? I know a lot about the problems he faced, and the 2 debts he has, because i helped him through the breakdown he had when all the above occurred. Back when these accounts closed, he got nothing, from the bank, or the credit card.. no defaults, no notice they would close his personal account. oh, and one last thing.. when they shut his personal account down, the lumped the personal overdraft debt, to the business debt, and it seems they are claiming for both together. Many thanks, i know its long winded, but been going on for years.

HI, I have received a 'Formal Notice of an intention to file a default' from the RBS with the 28 calendar days running out TODAY! I have been in the middle east for 5 weeks and have just seen this letter. Can I ask for an extension to respond? If so, do any templates exist to help? Thanks

Good evening, Is it possible for RBS to reply to a PPI reclaim company enquiry that PPI could've been added to accounts but may not have been paid,

Hi General info required. Received ppi letter saying the ppi amount will go to old arrears account. I am no longer a customer for over 8 years. Statue of limitations apply regarding old debt. Received no yearly notification of debt. No court action over debt Credit file of debt removed after six years I have a SAR paperwork from 2012 Am I still entitled to the payment.

Royal Bank of Scotland has been ranked bottom out of more than 30 rivals for customer satisfaction, despite pledges by the bailed out bank to improve its battered reputation. The survey, carried out by consumer group Which? between September 2015 and January 2016, asked more than 20,000 people how satisfied they were with their current account, savings account, credit card and mortgage provider. As well as placing RBS last, the results put NatWest (which is owned by RBS) in the bottom 10 alongside Barclays, Bank of Scotland (part of Lloyds Banking Group) and Clydesdale, which was recently listed on the stock market. Lloyds is tenth from the bottom. Which? said the gap between RBS at the bottom and First Direct, owned by HSBC, at the top was 21 percentage points, illustrating the battle faced by the 73%-taxpayer owned bank. The consumer group published the survey as part of its campaign to encourage the Competition and Markets Authority to rethink its ongoing investigation into the banking sector. Which? is concerned the competition watchdog is too focused on encouraging customers to move between providers rather than on dealing with the way banks treat their customers and charge for overdrafts. More

Hi all, today I have received 2 emails 1 for my natwest account the other for my rbs account - both saying the same thing "We're really happy to let you know that from 5th April 2016 we'll stop charging unpaid transaction fees on your Basic account. You're charged unpaid transaction fees when you try to make a payment but don't have enough money in your account to cover it. We normally charge £6 for each unpaid transaction (up to £60 for each charging period). The good news is from 5th April 2016, you won't need to worry about this". Has there been a problem with these charges then? Is that why they are removing them?

hi all i took the above accountout about 15 years ago and was told i needed to take this account to get an overdraft how would i get a copy of all my statements thanks

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

About two and a half years ago I had a current account with overdraft that was in credit when I used the account switching service to change to another bank after I became fed up with RBS and wanted to leave them. Today I received a letter claiming RBS have been trying to contact me as there hasn't been any money paid in to my account that RBS closed for me while in credit and transferred the credit balance to my new account with a different bank. The Sort Code of the account it is claimed I owe them money on is different from the sort code of my old RBS branch, I can not find anything at the moment to check if the account number is correct or not.

More than one million customers with RBS and NatWest will soon be forced to pay up to £2 extra a month for their packaged current accounts. From January 17, customers with the bank’s Black account must pay £26 a month for their deals. Those with the bank’s Platinum account will have to fork out £1 more, totalling £16 a month. RBS Black account offers worldwide travel insurance and access to airport lounges. The Platinum account includes travel and phone insurance and UK breakdown cover. Read more: http://www.thisismoney.co.uk/money/saving/article-3322929/One-million-customers-RBS-Natwest-face-price-rises-packaged-current-accounts.html#ixzz3rwIxQmWD

Can anyone help please. RBS allowed my son to open an account online and then verified account in branch with ID proof back in August. Paying in book arrived with letter saying debit card and PIN to follow. Nothing arrived after 2 weeks. Lots of calls eventually got an answer mid October saying sorry cannot issue a debit card on that account on that particular sort code with that branch (Child & Co. London) Unable to put any money in as no way to get it out. 3 failed attempts by RBS to transfer to another Sort Code eventually our patience snapped and we have gone elsewhere. Still no proper answer to how it went wrong. Looking now for compensation because of not being able to use account for 2 months. Any idea how to calculate non-financial loss and for time spent sorting it out (many hours!) Any advice gratefully received

Hi advice please, back in April 2012 I requested a copy of a CCA on a credit card from RBS, they failed to comply, I put the account in dispute, they came back eventually with a recon agreement that did not have the correct "necessary prescribed terms". After numerous letters to and from RBS and then solicitors it went to court in Feb 2014. I did try mediation but RBS refused, in my defence I asked the court to strike out the claim as RBS failed to provide a CCA, the Judge ordered in my favour, the judgement was "1. RBS having failed to comply with the relevant provisions of the Consumer Credit Act 1974 these proceedings are stayed (and no interest is to accrue on any outstanding sums) until RBS complies with its responsibilities to the satisfaction of the Court. 2. Provided that if RBS fails to comply with paragraph 1. above by 4pm on the 16th June 2014 then the claim is dismissed. RBS did not, their solicitors then wrote to me in April 2014 asking me to sign a consent order to withdraw the claim and no order to costs. I replied inviting them to issue a notice of discontinuance, which they did for all of the claim and I have a copy which was sent to Court. Out of the blue I get a letter the other day saying the RBS had failed to contact or agree a suitable repayment plan and have passed details on to a collection agent who will be in contact to discuss a repayment option. As far as I'm concerned, a judgement had been made, RBS withdrew the case and if a claimant discontinues a claim they can't take the same case back to Court if the defendant had filed a defence, I really am getting fed up with RBS and feel its time to deal with these incompetent people, what's my options harassment ??

Hi everyone this is my first post here so ill start at the beginning, when i was younger i had several loans from natwest and one rolled into a bigger loan several times over the years, after contact rbs they said i had 5 accounts with them and that so far they had one loan of £4.5 with an offer of £170 (like 4%) , then another account was 10k with £1900 offered (19%), then an £11k one still awaiting an offer , then an 18k one still awaiting offer. the last one was £1700 loan with no ppi so no offer. Heres where it gets interesting i was sold the ppi as you had to have it to get a loan with them and that in the event you were off work it would pay your loan until it finished or you went back to work , this however turned out to be false as i found out when i had a back injury was off work and the ppi ran out after a year leaving me with a loan to cover whilst not working which lead me to going bankrupt, being bankrupt then made it difficult to find work ( no banking industry ) and even when i ended up working for an insurer the highest level i could be employed at was the job i had at £21k pa, the next job up was £36k (which is what i should of been doing) so i lost out on 15k per year when i went back to work. Now i see that as some sort of damage (expectant measure, reliant measure, liquidated damages or professional negligence .) so in effect from me returning to work in 2009 (bankruptcy 2008) that until 2014 this was being held against me in terms of jobs and salary. Could i claim 5 years at £15k a year loss? Now that the bankruptcy is discharged will any payment from them go to me or insolvency people? My next step will be to SAR them before accepting any offers they have made or will make. is there any time frame for the SAR to be carried out by them? and how long do you have to accept an offer. thanks for your help

Hi All, I hope this is in the right place. I'm currently looking to renew my mortgage, and this morning had the advisor come back and say it had been denied for bad credit. I immediately ordered a credit report from Equifax, and discovered a default from RBS from January 2015. I was not expecting this, as I had a 12 month payment plan set up with them, which ended in December 2014, and I foolishly assumed that that was it done and dusted, and asked them to close the account. For reference every payment was made on time, via Direct Debit. Around this time I was moving a lot, so correspondence was tough. I have had no notifications as far as I'm aware, and they have my correct address on file, (or so the credit report says). As soon as I found out, I recalled a strange call two weeks ago from a recovery company, asking for my details with regards to outstanding credit - I contacted them, went through the security process, and I(I think maybe stupidly) paid the £268 balance, to change the credit report to settled, rather than Defaulted. I now need to approach RBS, and try to have this removed from my file, as it seems to me like an admin error on either their or my part, I think strongly them. I haven't received any notification as I say, and the first I knew about this was the odd call asking for personal details two weeks ago, and then viewing my credit report today. I've read around and there appear to be a few ways to approach this, ranging from the 'sympathy approach' - which I can't see working with banks, even though I've paid it off immediately on finding out it existed, through to sending letters asking them for evidence that they gave me 28 days to sort this out before it defaulted. I was hoping someone could give me some advice on the best steps to take to get this removed, it seems such a trifling amount to have a mortgage declined - and it seems like madness that the mortgage lenders view a £268 default, the same as a £26,800 default. It's going to really affect myself and my fiancée, as it could stop us moving house for 4 years! In a bit of a scrape here, and any help would be much appreciated. Best Regards

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, I had a loan for around £12500 with Direct Line around ten years ago, I have sent a PPI claim off to RBS who are saying I need to contact Direct Line for the account number for the loan as the have no record of this. I have contacted various different numbers for Direct Line but as they no longer do loans this is proving a very difficult exercise to get the answer that I want. Does any have any ideas as to where I can turn to obtain this information from Direct Line as it would be most appreciated.