Help!! Rbs ignoring my letters!!

ineedhelpplease_2

Hi, hope someone can suggest what I do next?

Just to give you a background. We had a current acct mortgage with RBS which we repaid when we remortgaged Dec 05. A few days before we completed my wife took a call from them saying they were checking our 2 loans were being repaid also. When my wife said no they said as the acct was being closed as it was a cam, they would have to set up the payments to go to credit management in Scotland. In Jan my wife rang & was told the payment for both was £250 mth taking into acct some arrears added from the closure of the bank acct (prev £136 odd +£97 odd) anyway that was accepted & she pd by dc & gave our new bank details for a dd to be set up. Never heard from them but in Ap my wife realised no payments had gone out. She rang & was told no dd had been set up as they couldn't do it over the phone, my wife argued that they'd let her think she had & they said it was a common problem! She then checked her credit files & they'd added 2 loans on which were duplicate ones for the ones held at branch. She rang & asked for the incorrect information to be removed & also asked for a settlement figure as we were in a position to repay. In June 06 she checked the credit files again only to see nothing had been changed so she wrote in to them. We received a letter a few days later that was just headed "Accounts" no numbers, but it stated they had now updated all credit files. She checked again & 3 had been removed completely & 1 had been marked as satisfied.

That's the story (sorry it's so long!) Unfortunately my wife had a nervous breakdown in 2007, & as she;d always been the one to look after things has tried but I didn't realise how difficult she was finding things. i've just found unopened letters stuffed in bags going back to 07. Amongst thenm was a ccj in default for a debt to RBS!

I wrote to them (inc my wife's authorisation) on 24 aug (rec - it was delivered 26th) stating all above & asking them how this could be & sent all copy letters & even credit files from the time showing no debt. I had no reply. After I sent the 1st letter we got new credit files & the plot deepens as it shows as a ccj on both experian & equifax but one of them says satisfied & the other doesn't! Nothing has been pd AFTER the ccj was granted - this has just come to light!!

I then sent a 2nd letter urging them to reply & sent the new credit files & stated that they had not even acknowledged my letters. I also added that if I have no response by 21/09 as I believe 28 days is long enough, I would deem this to mean they have no proof of the debt & would apply to the courts to have the judgement set aside.

i dob't know if I should have put the last bit cos can't afford the £75 fee at mo, but i thought it would force them to react. I do think we would get it set aside though reading the reasons, my wife's gp has already stated he would write on her behalf re her illness & not completing any court papers.

I still can't believe they've not replied, but as i say I am new to dealing with these things. I'd be grateful if any of you could point me in right direction, spinning round at the moment!!

NorthernLas

I think from your background your are saying
1. You had 2 loans from RBS
2. They were incorrectly recorded on your credit file
3. You settled and checked your credit file (you don't directly say this - but did you pay them?)
4. You have now found that a CCJ was awarded
5. You are asking RBS how this happened
6. Your credit file is still inconsistent

The important bit that is that you owed them nothing but got a CCJ?

It seems like quite an unusual and complicated issue to resolve - can you go into a branch and speak to someone to find out why you have had no acknowledgement?
http://www.rbs.co.uk/global/h/contact-us/personal-banking/complain.ashx#tabs=section1