RBS unenforcibility query.

[mike'y]

Re: RBS unenforcibility query.

I'm felling good today

I've written to Apex and rejected the 'gift'. I've also made it clear that a financial settlement is in order imo and I've intimated I may still report them to the FOS.

I've also written to Experto Credite who have taken over from Apex. I've sent them the 'harrassment' letter. It may slow them down a bit . it takes time to send out letters.

Finally I've written to RBS as they're the source of all this and I've reminded them of that! I've made a complaint about their conduct and the conduct of Apex and Experto and reminded RBS that I am making monthly payments and that it was agreed that no further action would be taken. Lets see what comes back.

[mike'y]

Re: RBS unenforcibility query.

^ He he, where would I find one of those, Niddy? Should I tell them to come and collect the goods to ;-) and eat them if they don't :-).

I've decided to write a letter to RBS when I get some time, tiz about time I gave them an ear bashing.

[Never-In-Doubt]

Re: RBS unenforcibility query.

My Interflora gift arrived today courtesy of Apex. It contains a small bottle of cab sav, a small box of fancy chocs , a packet of nuts, flapjacks and a small jar of marmalade. It is quite nice but I haven't forgotten the persistence of the nuscience calls I endured just yet.

Now is the time you write back refusing their gift and demanding financial recompense for their intimidating and quite unnecessary duress caused......

you need a final response / stalemate letter

[mike'y]

Re: RBS unenforcibility query.

My Interflora gift arrived today courtesy of Apex. It contains a small bottle of cab sav, a small box of fancy chocs , a packet of nuts, flapjacks and a small jar of marmalade. It is quite nice but I haven't forgotten the persistence of the nuscience calls I endured just yet.

[mike'y]

Re: RBS unenforcibility query.

Hmm, no fantastic gift from Apex yet but my answer machines started getting automated calls from Experto Credite who wish to collect the 'outstanding balance' for RBS. Obviously I'll need to somehow pay directly to RBS or their agent sooner or later. Is there any real need for me to deal with Experto and just how much, if any information are they entitled to? I don't mind stringing them along if needs must but I don't want conversations with them every 5 minutes. When the time's right I'd like to send a complaint that will be acted upon to RBS and Experto. I think they've earnt it! It's RBS who are sending out the instructions and they've admitted being in the wrong according to the Apex letter.

[mike'y]

Re: RBS unenforcibility query.

Thanks Niddy. If they send me bath products I'll take offence at their suggestion I don't wash, ha ha.

[Never-In-Doubt]

Re: RBS unenforcibility query.

An update. You may recall I lost this case and have a CCJ against me and yet I'm still being chased.

I sent Apex a couple of snotty letters and they replied with an apology. It's looks quite serious to. The thing is, RBS have now referred the matter to Experto Crapio. I want nothing to do with these people either. At the moment I'm paying £40 per month into Bryan Carters bank account and I'll happily continue to do this until I'm told to pay it into a RBS account. I'd like to sent a strong letter to RBS who again recently threatened me with CT action to obtain a CCJ against me. They really are confused. What do you think about this?

Wait and see what the small gift is before responding because this falls under harassment and correct processes would usually mean financial compensation of usually £100 - £250 paid direct (not deducted from the debt) - so in your case, wait and see what they send then let us know and we'll clarify - you can still go to the FOS if you remain dissatisfied with the offer made by the firm.

[mike'y]

Re: RBS unenforcibility query.

An update. You may recall I lost this case and have a CCJ against me and yet I'm still being chased.

I sent Apex a couple of snotty letters and they replied with an apology. It's looks quite serious to. The thing is, RBS have now referred the matter to Experto Crapio. I want nothing to do with these people either. At the moment I'm paying £40 per month into Bryan Carters bank account and I'll happily continue to do this until I'm told to pay it into a RBS account. I'd like to sent a strong letter to RBS who again recently threatened me with CT action to obtain a CCJ against me. They really are confused. What do you think about this?

[CleverClogs (RIP)]

Re: RBS unenforcibility query.

You should also send the turnips a letter telling them to cease and desist

[mike'y]

Re: RBS unenforcibility query.

Interesting links, thank you. I'll probably start answering the calls and tell them to write to me. Then I can create a log recording sates and times etc.

[CleverClogs (RIP)]

Re: RBS unenforcibility query.

If they're calling 20+ times a month then there is case law suggesting you could be entitled to compensation.....
--> http://www.bailii.org/ew/cases/EWCA/Civ/2013/882.html

I was thinking of Ferguson v British Gas Trading - http://www.bailii.org/ew/cases/EWCA/Civ/2009/46.html

[Never-In-Doubt]

Re: RBS unenforcibility query.

If they're calling 20+ times a month then there is case law suggesting you could be entitled to compensation.....


--> http://www.bailii.org/ew/cases/EWCA/Civ/2013/882.html

[mike'y]

Re: RBS unenforcibility query.

I usually get a call a day but not on a sunday. The incoming call number is 02476757299 and that's Apex Management, an answering machine. It's been going on for a month or so.

[CleverClogs (RIP)]

Re: RBS unenforcibility query.

Life's been a bit hectic and I've been intending to write an update. Basically I've been making £40 per month to Bryan Carter solicitors as agreed. In the meantime RBS have instructed Apex to pursue the debt. I'm now being threatened with CCT action and there could be the possibility of a CCJ registered against me, doh. RBS already have a CCJ against me. These people really are persistant clowns. I've already written to tell them about my payment plan and they still send mail. They phone every day as well but I suspect that's automated.

Automated or not, someone had to program the system with your telephone number(s).

How many calls do they make each day, and for how long has that been going on?

If the calls could be said to be oppressive - and it is difficult to understand how they might not be, given that you are already repaying money to those turds - then a case might be made for taking the buggers to court for compensation and/or an injunction requiring them to cease and desist, as it could be contrary to the Protection from Harassment Act 1997 (link).

[mike'y]

Re: RBS unenforcibility query.

That's nice of you, thank you ;-).

Life's been a bit hectic and I've been intending to write an update. Basically I've been making £40 per month to Bryan Carter solicitors as agreed. In the meantime RBS have instructed Apex to pursue the debt. I'm now being threatened with CCT action and there could be the possibility of a CCJ registered against me, doh. RBS already have a CCJ against me. These people really are persistant clowns. I've already written to tell them about my payment plan and they still send mail. They phone every day as well but I suspect that's automated.