RBS/HL Legal/Cap quest

[plp]

Hello friends. Just want to say thanks to everyone on this site who make this community a wonderful resource. A beacon of hope just when it looks like hope is gone.

 

I would really appreciate some advice.

 

I have a RBS business account I have had for around 8 years. My business was doing ok until 2 years ago when family members dying/ pressure of work led to a break down. Subsequently I have been diagnosed with bipolar disorder amongst other things.

 

This account is in arrears, I have not been in a position to deal with the situation until recently. I have received a letter from HL Legal/CAp quest with a letter demanding £11130.30. £190 of that is court costs even though this hast gone to court??

 

The account number quoted on the letter isn't my account number if that helps.

 

What do you think my next step would be? (I am not looking to avoid my responsibilities but I think the charges are exorbitant)

 

Many thanks.

 

ps I have other agreements with different credit agencies. My only source of income is Employment support allowance. My amazing wife supports us.

Edited May 25, 2011 by plp
additional information

[elsinore]

Hi plp,

 

Is the balance on the business account in the form of an overdraft? If so, was it formalised? How much of the balance is in respect of charges?

 

Were you a sole trader or limited company?

 

Do you have other accounts with RBS?

 

Els

Edited May 25, 2011 by elsinore
added a bit

[plp]

Hi Els.

Thank you for replying.

I have no authorised overdraft facility with this account or my RBS current account (also overdrawn).

I am a sole trader.

80% of the balance I would say is charges.

 

Thank you.

[elsinore]

My business was doing ok until 2 years ago when family members dying/ pressure of work led to a break down

 

My only source of income is Employment support allowance. My amazing wife supports us.

 

Was the bank aware of your domestic and personal problems at the time? Are they aware of your situation now?

 

Does the sum claimed appear to be correct (perhaps both accounts together)?

 

The letter from HL Legal/Capquest sounds like the usual threatogram. Have you responded to it in any way?

 

Perhaps you could post up the wording of the letter, omitting all personal details of course.

 

Els

[plp]

Hi Els. I think this is for a loan I have with RBS. Ive just come out of hospital and I am all over the place at the moment. Sorry for any confusion.

I have attached a copy of the letter.

Many thanks again. Your help is very much appreciated.

The letter can be found here

 

 

 

 

As I have less than 20 posts I cannot link directly.

Edited June 10, 2011 by steven4064
Image linked

[elsinore]

Hi plp, I do hope you're on the mend.

 

The reference number at the top left of the letter needs erasing. I'll ask a site team member to either validate the link or post the actual document.

 

When you are feeling up to it, pehaps you could answer the other questions in my previous post.

 

Els

[plp]

Hi Els. Thanks again.

I cannot remove the letter, could someone please do that? Thanks.

The bank were not aware of my situation until recently, I told them a few months ago.

I think the sum is for my RBS loan, sorry for any confusion.

I havent responded to HL/Capquest.

 

I really appreciate you help.