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

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

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

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

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

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

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

Hi last month I won a Judgement when I challenged RBS for a copy of a CCA, they produced a copy which was non complient, this went to the small claims court the Judge agreed with my defence and ordered they had failed to comply with the relevent CCA 1974 and put the proceedings in stay until RBS complies with its reponsibilities to the satisfaction of the court. Part two said if they failed to comply with part one the claim would be dismissed by June 2014. Today I receive a letter from their solicitors "without prejudice save as to costs" asking me two sign a consent order which states. Consent Order 1. The claim is withdrawn 2. No order as to costs Whats their game when they can just withdraw the claim ? I have my suspicions.

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.

Went to withdraw some money today, only to find out did not have enough funds in my bank account, on looking I see a charge of £20, first of all I think whats this for, never been overdrawn So I get home, go-online and check my statements, and find that sometime in Jan 2011 I was overdrawn by 15p, but the next day my tax credits were in my account, and brought me back under my overdraft limit When I used my card back in jan 2011, I had an idea, my account balance was low, and would just have enough money in my account for the purchase, but at the same time expected it to be declined if there wasnt enough funds How does the decline system work, if it a few pence does it allow the transaction to go through, but if a few pound decline it I have even asked the bank to refund the charge, as I believe the transaction should have been declined

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

Hello All. Just completed 2 yr battle with RBS for misold L & E loan guard PPI. Although I provided a copy of RBS statement showing D/D payments to L&E loan guard they say I never had PPI, Ombudsman agreed. The loan guard was applied to a loan 12 years ago. Does anyone know if there are any other steps I can take? thanks

Could this be a seasonal present to become a reality in the new year. Been with this bank for over 40 years and had several personal loans over that time, back to 1991, all with PPI. Following a SAR request they have provided information on all the loans and the amount of the PPI premiums added to the loans, in total over £15k. I intend to apply for refunds of these premiums as I did not require them due to the fact that I would have received full pay at my work for over 26 weeks (minus SSP) and I was advised that not to take out the PPI could influence the outcome of the application. Am I right to think that I could be entitled to a full refund of all premiums paid (no claims made) plus interest and interest at 8%. Your advice would be greatly appreciated.

Hello I just wanted some advice. I CCA'd RBS Mastercard, who came back and asked for a signature. I looked at a post on the forum with a similar problem to mine and used the letter saying that they had sent my statements to this address etc and included copy of passport (signature blurred) and utility bill. Today I received the letter back saying they still required signature, which is frustrating as I know they are just going to copy and past it onto agreement. I have a very big feeling they don't have a signed CCA. The card was taken out in 2007 so not sure if that's still within the time limit, but regardless, they should be able to provide me with some form of documentation. What's my next step? I really don't want to give them the signature! Thanks, Lou

We took a loan out with RBS in 2008 and the rate was at 1.5% above base rate. I think the LIBOR rate was about 4.5- 5% then. Since the base rate has fallen to .5%. We had a poor start to 2013 trading wise. RBS state that they were not happy with the current account and sent one of their special relationship managers around who tried to bully us into selling. Since then our trading has improved, business is good, current account is good. We have decided not to renew the overdraft which we felt that they would pull out from under us during the winter months when trading is slow. RBS is now looking at the loan agreement and would appear to be trying to see if they can make us default. We have never missed a payment. They are looking at our business plan from 2008. We think that RBS is not happy that we are only paying at 1.5% above base and want to get rid of us. They did offer to do a new loan, but at current rates and costs. Has anyone else had this problem. Should we go to the Financial Ombudsman?

Hi We had 3 PPI offers from RBS re a Credit Card starting at £NIL, then £100, then £900. Is there any way of trying to increase the claim even more? or would you accept the 3rd offer made? Thanks Mark

Long time since I posted anything, but searching out information brings up a few results on here, so thought I'd add this thread, might help someone in the future if it all goes to plan. Approximately 7 weeks ago I received a letter from the RBS PPI team (Hardman Boulevard M/cr address) regarding PPI on my current account with them, I'll be honest and say I'd completely forgotten about it and the variable monthly charges show up as a charge on the account. Obviously I was shocked that a) I'd forgotten all about it and b)I'd already inquired about any PPI with the RBS previously. Having the majority of paperwork regarding to this I sent in the FOS questionnaire, I upped my overdraft in 2004 and was told it was compulsory to have the PPI in place on a facility of this size, similarly when it was originally taken out in 1997, that coupled with my self employed status were the basis for the miss selling complaint. To say I was kicking myself for being so stupid to get to this point was an understatement. As stated I have statements dating back to 1997 so I'll know what has actually been paid (so far I've only sat down and done 6 years and that's showing PPI paid as approx £1300, months vary considerably but I'd say average is £18-£20 per month). So, decision date is approx 1 week off, I'll update this thread if and when anything happens, seemingly several have posted success stories up, so if you've had PPI on your overdraft or even if you're not sure it's worth investigating

Hello everyone, I would be very grateful for a answer to my query. I had a current account with RBS in which there was no overdraft or credit facilities. There where some bounced direct debits for which they applied charges etc and bought the balance to over £400. For the above they have placed a default on my credit file. Can please someone advice me if they are allowed to do this, are the charges legal or can I fight this to get it removed.

Hello I received a letter from the RBS saying that I may have been mis-sold PPI, due to 'concerns regarding the way PPI was sold to some customers through our branch and telephony channels. ...as you purchased a a PPI policy through one of these channels, your purchase may have been affected by certain common failings in our sales practices. We have not reviewed your sale and would now like to understand if you have been affected by any of the issues explained below'. I don't know much about PPI or making claims etc, but they have told me there are two loans I have possibly been mis-sold on. I actually didn't know what PPI was until reading about it or seeing on the news. I didn't even know I was paying PPI, although I do remember being told when I took the first loan out that I needed to take insurance in order to get the loan. It wasn't explained that I could have got insurance from anywhere else, or what it even insured me for, I was simply told it was compulsory if I wished to proceed with getting my loan. That's about all I can tell you. How can I prove or disprove this? I was told this in person by the young guy at the bank who phoned me up about the loan initially, when I was in for my meeting about the loan. Is this sufficient to make a complaint, and would this be upheld by the bank? As I say, I don't have much experience in dealing with things like these and I want to put my complaint across in a way in which it will be upheld.

I have an RBS credit card account, but no valid card. I fell behind with payments some two years ago following redundancy, and an inability to get a new job. My savings are exhausted. RBS say 'if you are having financial difficulties, call us' but all I got was cold people on the other end, saying 'we don't negotiate on the interest'. The debt is not astronomical - it is about £3,800, and I was paying through my bank on DD. I can no longer afford to do this. Does anyone have any idea why RBS simply will not work with customers who are in trouble? The worst thing? They removed my ability to pay on-line, and I was seeing some real progress there. It's like because they have been helped out, they don't care about anyone else. Has anyone has successful dealing with RBS, and found them helpful and friendly (unlike my experience)?

Hi I wonder if anyone could help me. I had an RBS Classic credit card that I opened in 1999 and closed in 2009. I wanted to find out if I had PPI on the card so I raised a SAR. It was returned in the first instance saying that I had given them insufficient information, I had given them the last four digits of the card, dates the card was opened and closed, my full address that the card was registered to and my name. The letter sent back said that without dates that the account ran for and without an account number they couldn't help. I called the SAR team and asked what exactly was missing to be told that I must have been sent the letter in error as nothing was missing. I sent another letter telling them to look again and that I had been told by their staff that I had given enough information. I put the information again on the next letter, sent the previous letter plus their response and a copy of my council tax bill for proof. They have come back again and said that they can not find an account under my name at the given address and with the date of birth I gave and as the account was closed over 6 years ago they no longer need to hold any details.. ..I never gave them my D.O.B and the account was closed 4 years ago. ..so my question is can anyone tell me that to do now? Do I write back again? I had a loan with them and a current account also which I have successfully claimed ppi on, should I give them the account numbers for these in case they can link them? I am imagining that they will send me everything they have on those two accounts and not the credit card though and I will be right back where I started. Sorry if this post is long, new user and just finding my way. Any advice would be amazing

Hello, First, post sorry if I break and rules, I have read through other posts but not got a clear understanding of my issue. Any help greatly appreciated. I have taken 2 loans with RBS £25000 2005 £25000 2007 I decided to apply for PPI personally rather than through a company. Although it was a hard decision because I'm rubbish at this sort of thing The second loan paid off the first loan midway through 5 year term so not a total figure. There is currently approx 4K left on the loan. No arrears or anything like that all in good order. RBS have accepted my PPI claim and offered me £862. Is this in the right ball park? how do they come to that figure. I put the numbers into some ppi calculators and the result was several thousands. Should I accept the good will offer or am I owed more? Cheers

Hi there Hoping for some help advice. I have been living overseas for the last 2 years. A letter came to my parents house this week, from Arrow Global saying that Clarity Credit Management had taken over a debt for an overdraft with Royal Bank of Scotland. Firstly, I have never had an account with RBS let alone an over draft. I did have a NatWest account as a student that may have had an overdraft. But that was in 1999. The letter says the date of the original agreement was in 29/09/2004. At this time I was living in Dublin so definitely did not take out an account with RBS. I have mailed this Credit Management Crowd and have asked them to clarify what this is for as I have never had an account with the bank. Is there a possibility that this could be the NatWest account? If so why would it state a date of 2004? I have never had a letter or contact from these people before, and obviously I don't even live on that continent any more and I don't plan to any time soon, but I obviously don't want these letters going to my parents home. I s this statute barred? Should I just ignore them?:sad:

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

I wrote to Royal Bank of Scotland on behalf of Mrs Sam over a year ago. She had paid PPI on a credit card and she thought that it might have been mis-sold. We got a letter back from RBS which fobbed us off basically. Mrs Sam didn't need the hassle, as she is unwell, so she didn't pursue it. Last week she received a letter, totally out of the blue, from RBS which states that PPI may have been mis-sold. They have asked her to fill in a questionnaire and return it to them. The gist of the letter appears to be a question over how such policies were sold to self employed people. My wife has been both self-employed and employed through companies over the years. I'm not sure what her status was when all this happened. I will investigate that. To precis their questions they want to know: Employment status when PPI taken out - Employed; self employed; director etc Any underlying medical conditions at that time. Why she doesn't think she wasn't eligible for PPI at the time or policy was not fuilly explained at time etc. Did she not understand PPI was optional? Did she not choose to take out policy with credit card? Was she pressured? Was the cost not explained? I'll investigate all of this and respond as best I can. But, are they setting me any traps here? Am I being paranoid? I'm guessing that this is a standard questionnaire.What are my 'do's' and 'don'ts'? Thanks for any advice received.