We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

RBS -PPI claim

Options
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 ??

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    If you have no records, you can't.  You'll have to rely on their evidence.
  • dunstonh
    dunstonh Posts: 119,646 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    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.

    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • 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]
    [Deleted User] Posts: 26,612 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    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. 
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.