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natwest credit card and the debt collection angency

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  • kurjam
    kurjam Posts: 1,342 Forumite
    would i be better to write to the royal bank of scotland and try and sort it out with them, by making an offer to clear the debt once and for all ??
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    kurjam wrote: »
    would i be better to write to the royal bank of scotland and try and sort it out with them, by making an offer to clear the debt once and for all ??

    No - I would NOT do that, kj - your 'good intentions' would, in effect, open the door for people like Apex and Allied to come down on you like a ton of bricks.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • kurjam
    kurjam Posts: 1,342 Forumite
    rog2 wrote: »
    No - I would NOT do that, kj - your 'good intentions' would, in effect, open the door for people like Apex and Allied to come down on you like a ton of bricks.

    ok, thanks for your help, will post again when i hear something..
  • RAS
    RAS Posts: 35,694 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    kurjam wrote: »
    would i be better to write to the royal bank of scotland and try and sort it out with them, by making an offer to clear the debt once and for all ??

    Kurjam

    Please, no. You do not owe them this money.

    Am very busy at the moment, but will try and post properly later.

    Do not offer anyone anything in the mean=time. Please.
    If you've have not made a mistake, you've made nothing
  • RAS
    RAS Posts: 35,694 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    kurjam wrote: »
    have sent a complaint to the commisioners office today !
    thanks for your help will keep you updated...
    apex letter says they will send someone round within 3days to check elligability of my residency at my address can they do this ??

    They can send anyone they like round, but they have not authority to speak to you, or verify anything. This is just a frightener. Have you complained to the OFT and sent a copy of the letter to them?
    If you've have not made a mistake, you've made nothing
  • RAS
    RAS Posts: 35,694 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    kurjam wrote: »
    would i be better to write to the royal bank of scotland and try and sort it out with them, by making an offer to clear the debt once and for all ??

    No kurjam. Please can you report this lot to the OFT and to trading Standards. Will post the links in a mo.

    You may have owed some money a long time ago, but RBOS sold the debt years ago and wrote off the debt on their books.

    Apex and AIC bought the debt for peanuts. I would not be surprised if the payments you have made over the years are more than the value AIC and the other DCAs paid for the debt, and they have made a healthy profit out of you already.
    If you've have not made a mistake, you've made nothing
  • kurjam
    kurjam Posts: 1,342 Forumite
    :cool: still waiting to hear from apex !!!
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    kurjam wrote: »
    :cool: still waiting to hear from apex !!!

    Don't hold your breath, kurjam. :rolleyes:
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • RAS
    RAS Posts: 35,694 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    And let us all hope it stays that way.
    If you've have not made a mistake, you've made nothing
  • kurjam
    kurjam Posts: 1,342 Forumite
    RAS wrote: »
    No kurjam. Please can you report this lot to the OFT and to trading Standards. Will post the links in a mo.

    You may have owed some money a long time ago, but RBOS sold the debt years ago and wrote off the debt on their books.

    Apex and AIC bought the debt for peanuts. I would not be surprised if the payments you have made over the years are more than the value AIC and the other DCAs paid for the debt, and they have made a healthy profit out of you already.


    hi can you post me the link that you said you would put on here please ??:o
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