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  • #46
    Re: UE query

    same thing happened to me when i sent that cputr request. Muppets

    Comment

    • #47
      Re: UE query

      Received a final response to my CUPTR complaint.

      Basically, they say that they consider any complaints regarding the CCA they sent as closed as per a previous complaint response and to take to FOS if not happy.

      Looks like a fobbing off to me as it never came with the SAR either and they are basically ignoring the question.

      Comment

      • #48
        Re: UE query

        Remember that you only have 6 months from the date of their final response to go to the FOS.

        Comment

        • #49
          Re: UE query

          Originally posted by Enforcer View Post
          Remember that you only have 6 months from the date of their final response to go to the FOS.
          Yeah...done that a few times with pretty good results.

          In this case, I'm wondering what I could hope to gain apart from any referral fee they have to pay.

          Any ideas?

          Thanks

          HB

          Comment

          • #50
            Re: UE query

            They do not normally reply to CPUTR request, you are trying to get them to admit UE. Ombudsman may help, but don't bet on it.

            Comment

            • #51
              Re: UE query

              Surely under OFT guidelines, they are not supposed to mislead you?

              In any case, lack of inclusion with SAR should be conclusive.

              I will refer to FOS, for the fee and wondering what they will do more than anything.

              Will report back when the FOS reply, after a few months on this I expect...

              Comment

              • #52
                Re: UE query

                They don't want to put anything in writing..... They're not misleading you; they just don't want to talk to you. It's now down to you to read between the lines and assume that what they have is UE. This kind of response is very common.

                Personally, I wouldn't bother with the FOS.... just wait and see what you get next.

                My bet is it will either go back to the OC or be passed on to someone else....
                Last edited by PriorityOne; 25 May 2013, 21:10.
                Remember the mantra:
                NEVER communicate by 'phone.
                Send EVERYTHING by Recorded/Special Delivery
                Keep a copy of EVERYTHING sent
                Keep hold of EVERYTHING received
                PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

                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

                • #53
                  Re: UE query

                  OFT Guidelines are just as stated. Guidelines. Don't expect the banks to adhere to them, they don't. Our current system of banking is completely unregulated. The FOS cannot help in many situations as they do not have a remit on the enforceability of agreements. As I stated, the system of banking is completely unregulated. The Financial Conduct Authority are looking to change the system from next year. Fingers crossed.

                  Comment

                  • #54
                    Re: UE query

                    Hi folks,

                    Just got a letter from RBS saying they have passed the account to Allied Credit International (UK) for collection as I haven't contacted RBS to pay.

                    They will be in touch within 14 days to arrange repayment options.

                    So, I'm presuming they are collecting on behalf of.

                    When they write, should I ignore them or CCA them, even though its UE and RBS have issued a final complaint response to the issue of the CCA being incorrect in many respects.

                    Thanks

                    HB

                    Comment

                    • #55
                      Re: UE query

                      When they write, send them the account sold in dispute template.
                      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

                      • #56
                        Re: UE query

                        Originally posted by SXGuy View Post
                        When they write, send them the account sold in dispute template.
                        Even if collecting on behalf of RBS rather than sold to them?

                        At least that's what the letter looks like.

                        Thanks

                        Comment

                        • #57
                          Re: UE query

                          They're so predictable....

                          I'd be inclined to refer them back to their "clients" and state that you're still waiting for a response to a request made under CPUTR (2008) on ??/??/?? and until such times as RBS are able to address the concerns raised within that letter, no payments will be forthcoming to anyone for anything.
                          Last edited by PriorityOne; 7 June 2013, 20:58.
                          Remember the mantra:
                          NEVER communicate by 'phone.
                          Send EVERYTHING by Recorded/Special Delivery
                          Keep a copy of EVERYTHING sent
                          Keep hold of EVERYTHING received
                          PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

                          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

                          • #58
                            Re: UE query

                            Received a letter from AIC acting on behalf of RBS stating that it would be in my interest to come to a payment arrangement and included an income expenditure form.

                            In MY interest? I wonder how they work that out!

                            i think i will ignore this one.

                            Comment

                            • #59
                              Re: UE query

                              Definitely! Ignore.

                              Comment

                              • #60
                                Re: UE query

                                Hi all

                                quick update.

                                Proud owner of a letter from AIC offering early settlement spread over a few months. Email or call for figure. Yeah right.....still gonna be several k. And it's still UE.

                                If not we will review your file or further action blah blah...

                                I would presume RBS must be thinking of selling this soon.

                                out of interest, does emailing count as acknowledging debt in writing?

                                cheers

                                HB

                                Comment

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