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  • #1

    Complex Correspondence Team?

    Hello team, anyone know anything about this?.. its where I've been told to send my CCA request to for an RBS card.

    1. Its hardly "complex" to provide me with my agreement

    2. I'm not going to anyway. Its up to the agency that are chasing me to supply the agreement surely?
    []Remember. Everytime a Soldier or Policemen loses thier job, everytime a school can't afford a book, everytime a streetlight has to be turned off - a bankers greed, incompetence and ineptitude played a large part. In Financial Services?, in a Bank? Then think on....you are helping this process along....
    Tags: act, agency, apex, bank, banking, card, cca, cca request, chasing, complex, con, credit, customer, customers, date, dca, default, help, interest, law, legal, letters, natwest, poor, rbs, sar, services, signature, tactics, template, templates, threat
  • #2
    Re: Complex Correspondence Team?

    "Complex", for a bank, involves being able to scratch their head and their backside at the same time.
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #3
      Re: Complex Correspondence Team?

      Hmmm

      So for a bank that is required to fulfill its legal obligations you now have to contact its 'complex correspondence' team as a CCA request would appear to be beyond the abilities of its customer services department.

      God help their customers should you have a 'complex' banking query.

      I'm guessing that the words of more than 2 syllables confused the poor dears.

      Who is the DCA? Have you looked in the templates section here to respond to the DCA trying to avoid their obligations?

      Best
      SnV
      "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

      The consumer is that sleeping giant.!!


      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment

      • #4
        Re: Complex Correspondence Team?

        Thanks everyone. My thoughts exactly - they can't find it. Anyway, sent it all back to Apex.
        []Remember. Everytime a Soldier or Policemen loses thier job, everytime a school can't afford a book, everytime a streetlight has to be turned off - a bankers greed, incompetence and ineptitude played a large part. In Financial Services?, in a Bank? Then think on....you are helping this process along....

        Comment

        • #5
          Re: Complex Correspondence Team?

          Hello again,

          In the interest of maintaining contact (so they cant use that against me in any way) I've amalgamated parts of two template letters for a DCA to receive when they HAVE passed my CCA request to the OC, BUT the OC requires another request direct to them apparently.

          Or is it just easier to write to the OC in any case?
          []Remember. Everytime a Soldier or Policemen loses thier job, everytime a school can't afford a book, everytime a streetlight has to be turned off - a bankers greed, incompetence and ineptitude played a large part. In Financial Services?, in a Bank? Then think on....you are helping this process along....

          Comment

          • #6
            Re: Complex Correspondence Team?

            RBS dont know the difference between a CCA Request and a lunchtime sandwich order. Seriously, if you have proof the request was made, it dont matter what junk they come back with.

            ive had two Natwest Credit card CCA Requests come back demanding a signature, when ive put them in their place, they have replied again returning my £1 and asking for £10 for a SAR Request.

            Its not for us to remind them of the law, their duty, or how to do their job. Let them remain in default and slap them with the facts should they get shirty at a later date. Seriously, dont threat, see it as a win win situation.
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #7
              Re: Complex Correspondence Team?

              Originally posted by Flowerpower
              Are Apex chasing you now? Have they written to you again regarding this? If not, I'd just let them make the first move.

              If you've already sent a CCA request and have some correspondence to that effect (hence the 'complex correspondence' ), then you shouldn't have to send a new request to either Apex or RBS, they're still in default.
              Hello FP, yes they have written once and called a couple of times. I'm not susceptible to their tactics, however I've now decided to write saying essentially that "I've made formal CCA requests - just deal with it" and see what comes.....
              []Remember. Everytime a Soldier or Policemen loses thier job, everytime a school can't afford a book, everytime a streetlight has to be turned off - a bankers greed, incompetence and ineptitude played a large part. In Financial Services?, in a Bank? Then think on....you are helping this process along....

              Comment

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