RBS -PPI claim

margaret72

I received letter from RBS last September to say that I was due £5000 refund for mis sold PPI on a Credit card that I no longer have I duly returned acceptance form but heard nothing from Bank until a month ago when they sent me a letter to say my claim had been sent to their DRO as I owed money on credit card now since last time I had the card was over 15 years ago how can they do this as I have no way of checking any paperwork. I know that I had defaulted with payments and that debt passed to debt company but I faithfully paid debt every month till it was clear which was approximately 14 years ago   I have always banked with RBS, and no debt to RBS shown on my credit file   What can I do to prove I don’t owe money to RBS ??

[Deleted User]

If you have no records, you can't.  You'll have to rely on their evidence.

dunstonh

I know that I had defaulted with payments and that debt passed to debt company but I faithfully paid debt every month till it was clear which was approximately 14 years ago  

When people default, it is often the case that the debt gets reduced to allow for a settlement.   With PPI complaints, the redress can go against arrears, defaults and amounts written off as part of an agreed settlement.    So, was yours reduced to allow settlement?

 I have always banked with RBS, and no debt to RBS shown on my credit file  

You wouldn't do if it was statute-barred.  However, it doesn't mean that the debt no longer exists (in England & Wales - different in Scotland).

What can I do to prove I don’t owe money to RBS ??

By providing them your proof.    Statistically, it is unlikely that they are wrong.  However, errors have been known to be made.  So, you could just query it with them. This will give a second set of eyes on it but if they say the same then that's it.

Linds20

I rang Natwest/RBS to check the progress with an outstanding PPI claim, they said they would need to ring me back at a set time but was unable to discuss what would be discussed.  As they confirmed they would be ringing back on a withheld number I was worried what information I should be giving to them.

[Deleted User]

Linds20 said:

I rang Natwest/RBS to check the progress with an outstanding PPI claim, they said they would need to ring me back at a set time but was unable to discuss what would be discussed.  As they confirmed they would be ringing back on a withheld number I was worried what information I should be giving to them.

Nobody here can tell you what the Bank still need to know about you or your complaint. The only advice I can offer is to just be as honest as you can. If you don't know the answer to a question, simply tell them that. Remember, the call is not to try and catch you out somehow.