What can I do when RBS refuse to remove a late payment from credit profile?

bairn7

"the contractual amount they're entitled to take differs based on the terms and conditions"

How do you know!? You don't even know what your current terms and conditions are! You seem to be reluctant to find out. You can't cling to your initial terms and conditions just because they suit your purpose.

I would be willing to wager that, if you got your current terms, you'd see that they are well within their contractual rights to take what they did.

By refusing to find out what current terms govern your relationship with the bank, you're wasting everyone's time, including your own.

RBS_Sucks

I appreciate your opinions and equally I think I will have difficulty having this removed although not to say I won't explore every possible avenue in attempting to do so and taking this as far as I possibly can as a 6 year mark is a lengthy one which I'm very keen to avoid.

I accept what you say about being treated as an emergency and that's fine but £2000 above your credit limit is far from an emergency in my opinion and the contingency funds I deposit into that account allow for smaller unforeseen costs such as an international charge or using your example, an emergency overlimit transaction. You could argue that the line between the contractual agreement and what they may view as goodwill to exceed the credit limit has become very hazy but all I'm asking of them is some consideration on this and knowing that there is now a record that I'm fully aware of this being able to happen meaning it can be used as a defence in any future situations.

I don't think that by removing the late payment marker that there is any great hassle/cost to the bank so I'm not sure why they treat it so badly as I read a lot of other companies are a lot more sympathetic to their customers in situations where the customer would 100% be at fault. I'm definitely at fault here for not checking my statements but I believe the bank have not been as clear as they could be hence why I also believe they're at fault. A one off request of some goodwill is surely not too much to ask for in my opinion.

RBS_Sucks

bairn7 wrote: »

"the contractual amount they're entitled to take differs based on the terms and conditions"

How do you know!? You don't even know what your current terms and conditions are! You seem to be reluctant to find out. You can't cling to your initial terms and conditions just because they suit your purpose.

I would be willing to wager that, if you got your current terms, you'd see that they are well within their contractual rights to take what they did.

By refusing to find out what current terms govern your relationship with the bank, you're wasting everyone's time, including your own.

Hi Bairn,

What leads you to think I'm reluctant to find out? I called up on Friday and requested a copy of which they said they would send these out. I've not received them yet and it's been a weekend as well as a bank holiday so really I'd not expect to have received them yet as well as the fact they'll probably drag their heels in sending them. What else do you expect me to do?

I suppose the assumption would commonly be that the bank are right but if over 30% of credit card claims brought to the Ombudsman are found in favour of the customer then that's certainly not correct. That doesn't take into consideration the claims which have been escalated with the bank and dealt with internally before reaching the Ombudsman so clearly there are a lot of cases where the bank is wrong and I'm willing to bet terms and conditions are often involved.

bairn7

What makes me think you are reluctant is the fact that you've started a thread claiming that RBS have breached their contract with you, and persisted in claiming this, before determining whether they have actually breached their contract with you.

RBS_Sucks

bairn7 wrote: »

What makes me think you are reluctant is the fact that you've started a thread claiming that RBS have breached their contract with you, and persisted in claiming this, before determining whether they have actually breached their contract with you.

But I'm not reluctant, this is the second time I'll have requested a copy as well as asking 2 separate advisors over the phone for information on specific parts which they could not answer. The contract I have made shows clear breaches in my opinion however you point out that they might have updated their terms. The real question is, can they prove they communicated any potential updates to the point that I at least received these communications. The answer being no as I'm sure you've guessed therefore I see no reason why any other contract than the original should stand but here we get pulled further into the wrong direction of where the conversation needs to go.

Lot's of ifs buts and maybes but ultimately everything comes down to facts and proof. I believe I'm favoured more greatly in consideration of that but of course you're entitled to an entirely different opinion.

bairn7

On your own, I'm out

RBS_Sucks

bairn7 wrote: »

On your own, I'm out

I'm sure I'll get there

YorkshireBoy

How long have you held the RBS credit card?

RBS_Sucks

YorkshireBoy wrote: »

How long have you held the RBS credit card?

Hi,

I believe it's around 6 years for this specific card.

YorkshireBoy

RBS_Sucks wrote: »

I believe it's around 6 years for this specific card.

During that time, I'd imagine they've sent you at least 6, and maybe 8 or so if they're anything like some of my card providers, sets of T&Cs*. Are you saying you can't lay your hands on any of them?

By the way, in reference to an earlier post of yours, RBS will not have to prove (to the FOS) you've received the notices of variation...merely that they've sent them.


* Covering such things as changes to positive payment hierarchy, the impact of the PSRs, and general re-wording/clarification.