RBS card debt still with RBS

[dx100uk]

but funny how they can back to 2011 but want to hide their unlawful charges that were pre that...urm...

[Juandy]

Can wait to see if hear anything else from email I've sent. But if reply is same what's my next move

 

Think account was actually moved to  recovery team in 2008, but only sent statements from January 2011. No sign of cca in sar report either

[dx100uk]

On 28/04/2021 at 12:20, dx100uk said:

the idea of the sar to RBS was not about enforceability but more to findout how much of this debt is made of unlawful penalty charges etc.

the card is still owned by the original creditor , once we know the above details you might well be sending a CCA request.

 

no harm in talking to them, you want ALL the information they hold on you for your own personal financial ecords (don't say WHY!!) .

 

dx

 

 

[Juandy]

Ok dx, thanks for your help once again.

I will see if they respond to my email request and if not I will try ringing them again. 

[Juandy]

Received rest of statements.

Also included all ppi info, claims and refund details.

Cca agreement included.

 

Statements going back to March 2006 purely contain repayments coming off balance.

 

Feb2006 - 2002. Consist of statements with purchases, interest charge and ppi payments. 

 

Only one other charge is late payment fee on nov 2005 statement.

[dx100uk]

so nothing much then.

 

so it's still with the OC and are you continuing to pay it?

i'd cut out AIC totally , don't give them a penny.

 

dx

 

[Juandy]

So should I continue to pay monthly but directly to rbs

[dx100uk]

IMHO yes.... how much?

 

[Juandy]

Currently paying £8.50 /mth on balance of approx £4k.

Would it be worth offering a f & f settlement offer.

[dx100uk]

poss not to an OC, but if they sell it on a DCA might bite.

[Juandy]

Ok dx, I shall just continue to pay this one... 

I will update you on where I am with others when i get all replies.

Thanks again for your help....

[Juandy]

Aic are collecting money on behalf of RBS, I have received no post from aic for nearly 2 years. I am currently paying monthly to them. I asked for a CCA agreement 2 years ago but they told me to get in touch with RBS. Any advice

[Bazooka Boo]

What is the debt?

Credit card, overdraft, loan?

 

How much are you throwing away to AIC each month?

 

How did you request the CCA, in writing or over the phone?

 

If you requested the CCA in writing and AIC palmed you off with that statement then STOP PAYING.

 

What does your credit file say about this, and any other, debts?

[Juandy]

RBS mint credit card.

£8.50/MTH.

Originally requested CCA from aic, they told me I needed to request it from RBS as they were the oc.

Requested CCA from RBS and they sent me a digital email of CCA agreement which they appeared to have all the credit reports and agreements.

After recieving that I have continued paying monthly as I thought that the debt was still held by the oc.

I haven't had any written correspondence from aic regarding balance owed or any statement or acknowledgement of my payments.for nearly 2 years.

Please advise on what I should do next.

Many thanks 

 

 

 

 

 

 

 

[Bazooka Boo]

Check your credit file.

 

When did you take this card out?

 

What was the total balance on it?

 

Have you reclaimed all late payment fees and charges?

 

You should be getting a 'statement of account' at least every 6 months which will tell you the state of the account, how much you've paid in and the current balance outstanding.

 

They have stopped all interest haven't they?

 

So you requested the CCA via email?

 

STOP corresponding with them via email, you need to have a paper trail of evidence and everything must be in writing, this is how they run rings round their victims.

 

Have you shown anyone what they have sent you?

[Juandy]

Nothing is currently showing on my credit file.

Mint card originally took out approx 2005

Total balance about £4k.

Had no written correspondence since April 2021.

I requested CCA in written form to aic.

I also sent written CCA request to RBS.

As far as I can remember I had a email attachment with report from RBS.

Cannot access it anymore for some reason.

Should I stop paying and see their response

 

[dx100uk]

old and new threads merged.

 

carry on paying.

if until it ever gets sold on 

comeback here.

 

dx

 

[Juandy]

Think that was your original response. Just wondering why haven't had any correspondence from them for so long.

Thanks dx

[dx100uk]

you wont have

RBS are happy

 

dx