Jill7286 Diary

[jill7286]

Okay here goes
I took a loan out with RBS back in Jan 2002 for the amount of £4600.00, the total including interest was £8902.20. Anyway, over the years that I was paying the loan my circumstances changed, I was made redundant and on maternity leave etc so could not afford to pay the loan. It has recently been passed to Allien International Credit who are chasing the sum of £2646.77. As the loan was taken out so long ago I am going to try going down the route of unenforceability.

Here is my diary. ;K7

[jill7286]

Re: Jill7286 Diary

RBS Loan being collected by Allied International Credit

Outstanding amount £2646.77

15/10/10 - CCA Request sent to AIC
22/10/10 - Letter from AIC saying they are only acting on behalf of RBS
22/10/10 - CCA Request sent to RBS
29/10/10 - Signature required letter from RBS
01/11/10 - Demand of your Signature letter sent
06/11/10 - Please take ID letter from RBS
08/11/10 - Letter from Fredrickson Int
09/11/10 - Formal responce to request for signature to RBS
09/11/10 - New account sold to Fredrickson Int
15/11/10 - Reply from RBS
25/01/11 - Letter from Fredrickson Int
31/01/11 - 2nd New account sold to Fredrickson Int
04/02/11 - Letter from Fredrickson Int
05/02/11 - Statement received from RBoS
11/02/11 - Letter from Fredrickson Int
24/02/11 - Letter from Fredrickson Int
02/03/11 - Debtors Final Response - No CCA Received to Fredrickson Int
09/03/11 - Letter from Bryan Carter Solicitors
09/03/11 - Letter from Fredrickson Int
11/03/11 - Threat by Lender/DCA to commence litigation sent top Bryan carter
14/03/11 - Letter from Fredrickson Int
224/03/11 - Letter from Bryan Carter Solicitors
22/03/11- Demand of your Signature letter sent to Bryan carter
01/05/11 - CCA document sent from Fredrickson Int
06/05/11 - CCA Query - Missing Prescribed Terms to Fredrickson Int
19/05/11 - Formal Demand for Payment from Robinson Way
24/05/11 -NEW - Account sold - whilst in Default of CCA Request to Robinson Way

[nanna58]

Re: Jill7286 Diary

hi jill and welcome. always here to help and have a banter .sure our nid will be along soon
xxxxx

[jill7286]

Re: Jill7286 Diary

Thanks nanna, it all feels a bit daunting doing this as AIC I've found to be very forcefull!!

[MrsD]

Re: Jill7286 Diary

welcome Jill

Simply don't talk to them! then they can be as forceful as they like all by themselves, trust me if you are doing UE, don't talk to anyone, we've got 22 accounts, we're 3 months in and I haven't spoken to a single soul!!!!

[scarednshakin]

Re: Jill7286 Diary

Hi Jill, welcome and don't worry too much, we have all been in the same place and worrying.

Please, please do not talk to them on the phone, they are evil and will try and get you to agree to anything.

Niddy will be able to help you and we are all here to help 2

[Never-In-Doubt]

Re: Jill7286 Diary

Hi Jill ;Hi

You'll be fine, just email me the agreement when you get it (see my signature below) - and in the meantime cease repayments. Bear in mind you will be defaulted if you pursue UE.... however assuming you don't want credit then that won't be an issue.

[jill7286]

Re: Jill7286 Diary

Hi everyone ;Hi

Thanks for the words of encouragement!! I have already defaulted on them so that is not a worry. All little background behind me and AIC. In May I had one of their lovely little yellow cards come through informing me that I owed THEM £2700 (roughly) and rang to see what it was all about, i was informed that it was the RBS loan. After a bit of arguing on the phone I agreed to pay back £75 per month (this was before I had looked into UE), anyway, bloke said he would send me out a direct debit mandate to sign and send back. Fast forward to september (had neither heard or received anything from them until now) when I get a random call from a blocked number!! It was them!" Lady on the phone DEMANDED £350 there and then and also an agreement for £100 per month. I refused as I just cannot afford this, informed her that I was still wating on DD mandate. She then said that it was up to me to inform them that I had not received said paperwork as they are far too busy to chase me ;Hmm , the banter continued and in the end she hung up on me ;LOL hence me now going down the UE route!!

[Never-In-Doubt]

Re: Jill7286 Diary

LOL< what a farce - that is what they are like but you know what? As they never accepted or took payments then you never restarted the Statute Barred clock which is great news, so basically you've got to add 6yrs from date of first missed payment - that's when your debt will officially be statute barred!

Anyways.... email me the agreement and i'll check it for you, when you get it. Until then do not agree to or pay anything.......

[jill7286]

Re: Jill7286 Diary

;Hi1

Have today received a letter from AIC saying that they are only acting on behalf of RBS in respect of recovering the outstanding debt.....

Please write to RBS enclosing cheque and piece of photographic id with an original signature????????

Do I have to send signed photographic ID, what use would that be to them as I am not going to be showing up in person, so therefor do not need to see what I look like!!! ;LOL

[Never-In-Doubt]

Re: Jill7286 Diary

I never got the email with the agreement - did you see my last message to you? regards to the above message; did you ever send off a CCA Request? If so when, and to whom? Do not send anything to RBS and certainly not photographic evidence and/or a signature - you NEVER do this!

[jill7286]

Re: Jill7286 Diary

Sorry, I've never received any agreement as yet. Sent off CCA Request to AIC on 15/10/10 and they have replied today with the 'We are acting on behalf of RBS' letter

[Never-In-Doubt]

Re: Jill7286 Diary

Sorry, I've never received any agreement as yet. Sent off CCA Request to AIC on 15/10/10 and they have replied today with the 'We are acting on behalf of RBS' letter

Ok, so they crossed in the post then - have you checked royal mail track and trace to check if it was delivered...?

[jill7286]

Re: Jill7286 Diary

I'll scan the letter that they have sent and send it to you, will probably make more sense!!

[Never-In-Doubt]

Re: Jill7286 Diary

I'll scan the letter that they have sent and send it to you, will probably make more sense!!

ok, please do......