Is this debt unenforcable?

smitchy73

I've had an on going issue with RBS for many years in relation to a large loan that I had defaulted on. I've been repaying this and also successfully reclaimed PPI from it too. However, alongside this large loan I had, there was a smaller one of which I have no idea what it was for, I have asked on several occasions, but it was never answered, until recently when I had a review of my payments and I finally got an answer sent in a letter.


They advised me that they couldn't find any paperwork for this loan, but could tell me the account number, sortcode, date of opening and the original amount, this was not a loan I defaulted on and did say that perhaps it was an overdrawn account, but that I had no idea.


So can I question the enforceability of this loan?


Or does anyone have any other advice, the larger loan dates back to about the same time, which I am not trying to get out of by any means and I do have the original paperwork for this, but not for the smaller amount.

fermi

Have you made formal requests as per..

https://www.nationaldebtline.org/EW/factsheets/Pages/39%20EW%20Credit%20agreements%20-%20getting%20information/Default.aspx

smitchy73

Hi Fermi, I did receive loads of paperwork from them when I initiated the PPI complaint, but none for this other than a statement, and I asked I think twice before this by letter for what this account was for, no one ever replied, until this verbal request while I was making my new arrangements for the next 12 months for my debt with them which includes this 'loan' and another large loan which I'd explained.

The original request was a full SAR, but no loan details were given to me for this one.

Any other assistance greatly appreciated.