RBS defaulted Loan and Overdraft, dropped off credit report, paying to Zinc Group?

[schwetta]

Hi, I have a loan and o/d with RBS which seem to have merged, and I'm making a single £2 payment towards Zinc Group for these, last payment Aug 22. These have dropped off my credit report as 6+ years old.

 

I don't have any latest documentation from RBS/Zinc, but the last known amount is £20,947

 

Sending out a SAR to RBS and CCA to Zinc seems the right thing to do?

 

Thanks in advance for your time on this!!

 

 

 

 

 

 

RBS Loan + OD (Zinc Group Limited) £20,947 
Last Payment: £2 Aug 2022 to Zinc Group Limited

 

Balance – £17,602
Lender – RBS Full Personal Loans
Account Type – Unsecured Loan
Status – Defaulted 31/12/12
Account Start Date – July 2011

 

Balance – £2,449
Lender – RBS Current Accounts 
Account Type – Current Account (Overdraft)
Status – Defaulted 31/12/12
Account Start Date – Oct 2009

Edited August 31, 2022 by schwetta

[dx100uk]

Why are you blindly paying a dca on any debt?

 

Zinc dont buy debts.

Who is their stated client?

 

Dx

[schwetta]

id set up these £2 payments on 12 something individual whoever was chasing me... yes blindly to just get them off my back. time to reckon and fix now...

 

oh and don't have paperwork for these guys ..they stopped sending anything in the last 2 years, just the £2 payment is setup for Zinc.... hence why I thought SAR RBS, CCA Zinc...

[dx100uk]

just stop paying see who pops out the woodwork chasing.

 

dx

[schwetta]

good idea - thanks. since I'm finally on a roll .. I have just two more of these to get out there as individual threads.... thanks for your patience dx and everyone else who is kind enough to provide their input ...

[schwetta]

Cancelled token payment and sent through a SAR to RBS today.

[schwetta]

RBS Response 13 Sep 22_Redacted.pdf

Received a proof of address request from RBS re managed loan (loans + o/d) on 13th Sep 22, and this paragraph is a tad confusing:

 

• We will require a scanned / photo copy of one of the documents from the table below. You can send this to us using email address SARCustomerQueries@rbs.co.uk. Once completed, please send the copy back to us and we will proceed with your request.

 

Is it ok to email, or should I be sending through via post with proof of posting just to be sure? Also, what do they mean once completed please send a copy back to us... I assume they just mean email.. not resend the entire SAR?

 

Thanks for your help in advance!

 

Edited September 23, 2022 by schwetta

[dx100uk]

have you moved them since taking the RBS stuff out and never updated them?

 

dx

 

[paulwlton]

Have you sent a CCA Section 77 request?