RBS loan -- charging order against home

[dx100uk]

sure no rush

 

lets get all your ducks in-line with the correct info, then the forum can advise you properly.

 

have you all the statements for everything to date?

inc the old OD debt and old loan debt rolled into this consolidation loan you are still paying?

 

dx

 

[davrym]

Thanks dx,

 

As for copy paperwork. 

 

The original loan which was consolidated I have not got a copy of. 

 

The consolidation loan was done by phone, if I remember correctly I was sent a form which they marked for me to sign and return but I have never had a copy given to me. 

 

As for statements on the consolidation loan I have never been sent any. 

I was just sent a proof of earnings letter or request to settle letter form whatever solicitor they were using at the time.

 

The only Statements I have end when the consolidation loan was paid into the account

[dx100uk]

get an SAR off to RBS tomorrow its free

and could well reveal some very damaging information.

 

 

[davrym]

So better to post rather than e-mail?

[dx100uk]

never ever use email concerning any credit or debt matters

[davrym]

Oh ok.  I have emailed them beforehand to get contact info but that's it.  I will check deeds and send off SAR tomorrow.  Will update with deed info as soon as possible and then when SAR  comes through.

 

Thanks for the help.

[davrym]

Just a thought. Could they suddenly decide to go through high court officers to secure  the debt or would that take time and would i be informed????

 

[dx100uk]

not sure what you mean by secure the debt

 

they have already secured the CCJ by way of the Restriction k

 

 

 

 

 

[davrym]

I mean calling round to house "cant pay we'll take it away" sort of thing

[dx100uk]

no bailiff has any right of entry on a civil debt CCJ nor any CCJ for a debt covered by the consumer credit act

DCBL are commercial bailiffs.

 

 

[davrym]

ok thanks  for the help.  Will update as soon as i can

[BankFodder]

open

[davrym]

Apologies for the delay but everywhere is in lockdown and it is taking forever to obtain information.  Had to go to land registry for copy of deed and they had issues with their payment system.  Hope this is the part you needed.  I have erased personal info and solicitor details just in case.

 

 

I sent SAR request but stupidly did not do so by recorded mail as i thought no one would sign for it being covid 19.  Got no reply.  Sent copy to their solicitor and they acknowledged the email but said that their client had not requested any info from them.  Sent one by recorded mail and got a reply today saying they have received it but can not continue unless i send them a scan confirming my identity.

 

driving licence

Passport

EU national ID card

UK armed forces card

Police warrant card

 

I do not have any of them.

 

All the while I have made 19 phone calls to the number they have provided.  6 unanswered and the ones they answer I am told that the person on the other end is just a receptionist who directs the calls.  every single time  I request to be put through to the case manager dealing with me she is not in office.  they send an email to her to confirm my call and a copy email to her manager.  Not had a return call to date.  Did get a letter to say she is having "telephone difficulties" but no explanation.

 

Still awaiting my return call.

 

What do i do if i dont have the ID they request??

 

Many thanks and again sorry for the delays but im not getting much help from the bank.

Land REg.pdf

[dx100uk]

so as post 25.

stuff and all they can do to you.

 

dx

 

[davrym]

Thanks dx.  Will update as son as i get a  reply

[paulwlton]

You really need all the data that the bank holds on you.

 

First time I've heard of their collection centre arranging a loan to refinance.

Edited April 10, 2021 by paulwlton

[davrym]

They signed for the updated SAR on 07.04.21.  So they have 20 days left.

[stu007]

Hi

 

The issue you have with the SAR as you have previously sent a SAR and they have requested the information to verify your Identiy in post#39 the Time Limit of 30 Calender Days does not start until they have verified your identity and sending another SAR will not change this as they will still ask for that same to verify your identity.

 

What I would suggest as you do not have the documents they are requesting is to simply provide the following if you have it to verify your identiy again remember the Time Limit does not start until they have verified your identity and they are playing hard ball and know what they are doing:

 

1. Birth Certificate.

2. Council Tax Bill.

3. NHS Card with your NHS Number

4. Letter from your Doctor confirming your Identiy. (note there may be a cost for this so always check with your GP first)

5. If on any Benefits as these are via DWP provide these letters.

 

If they still refuse after providing the above and ask for the specific ID in post#39 again report this to the Information Commissioners Office (ICO)

 

https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/right-of-access/

 

https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/right-of-access/how-do-we-recognise-a-subject-access-request-sar/

 

 

 

 

[dx100uk]

the op has not moved, hence the charge on the present property.

can't see why the bank are asking for any details tbh..just being obstructive......

 

 

[davrym]

Hi guys,

 

I did include birth certificate in last letter.  Also copy correspondence I have had with debt management team and their solicitors to prove my identity and remove any questions they may have about sending information to me.

[dx100uk]

one multipage PDF only please

post hidden

 

[dx100uk]

read our upload guide

[davrym]

Have had the SAR returned to me. 

 

Strange that they have not included any signed copies of loans.  Especially the one i am disputing. 

 

Have sent lists of what I am assuming are details of previous loans but they have blocked out the financial details. 

 

They list the final loan as being administered by telemarketing unit and list it as a home improvement loan. 

 

The full and final investigation into this matter as they stated in the letter consists of 2 small paragraphs. 

They are saying I should have brought the complaint to them much sooner

[dx100uk]

so you now have all the statements of all the loans from day one?

 

 

[davrym]

They never included statements.  Just a list of each loan.  Date taken out and amount.