richierich2012:

Hello there,

I'm a first time poster and writing behalf of my friend who has set up a DMP with Hanover Sterling for all of her RBS accounts (1 x loan, 2 x credit cards, 1 x overdraft).

She has received the letter from the RBS appointed legal firm stating that default action was going to be taken. As someone who is on a DMP with CCCS, I wasn't that surprised to see the letter. However, she has also shown me letters from RBS in November (via Hanover) stating that they has agreed to the DMP proposal and amounts; but then another one from a couple of weeks ago from RBS saying that the plan is going to be cancelled as no payments had been received. The last part sounded a bit fishy as my friend has been sending regular agreed amounts to Hanover Sterling since July (first couple of months being their 'set up' fee). She called RBS directly, I spoke to them, and was told that no payments have been received since the plan was set up (i.e. November).

Eventually my friend spoke to Hanover today (they hadn't bothered to call her back) and she has been told by them that RBS have been bouncing the payments back to Hanover as they won't accept them. Apparently this is a well known RBS tactic to get the customer to speak to them directly and so get plan amounts revised upwards.

My experience with the DMP with CCCS for Lloyds and Barclaycard has been quite different - so could someone tell me who of Hanover or RBS are not telling the whole truth here.

Many thanks for listening!

Richard

Hi Richard

It would be difficult for anyone to say who was telling the whole truth so to speak from what you have put and without any real evidence.

However it is clear though from what you have put that things are not excactly well in this case especially as it appears there are payments in limbo and legal action threatened.

Miight be a good idea for your friend take all their paperwork concerning this to a genuine free independent agency (a face to face one might be preferable in this case but there are others) and get them to look at the situation as a whole) maybe they can speak to the agencies concerned and perhaps request proof of what is actually going on here.

The OFT guidelines on debt collection are worth a read also in situations like this as creditors and their collection departments / agencies should really be following these.

http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/debt-collection

Pincer

Hello there,

I'm a first time poster and writing behalf of my friend who has set up a DMP with Hanover Sterling for all of her RBS accounts (1 x loan, 2 x credit cards, 1 x overdraft).

She has received the letter from the RBS appointed legal firm stating that default action was going to be taken. As someone who is on a DMP with CCCS, I wasn't that surprised to see the letter. However, she has also shown me letters from RBS in November (via Hanover) stating that they has agreed to the DMP proposal and amounts; but then another one from a couple of weeks ago from RBS saying that the plan is going to be cancelled as no payments had been received. The last part sounded a bit fishy as my friend has been sending regular agreed amounts to Hanover Sterling since July (first couple of months being their 'set up' fee). She called RBS directly, I spoke to them, and was told that no payments have been received since the plan was set up (i.e. November).

Eventually my friend spoke to Hanover today (they hadn't bothered to call her back) and she has been told by them that RBS have been bouncing the payments back to Hanover as they won't accept them. Apparently this is a well known RBS tactic to get the customer to speak to them directly and so get plan amounts revised upwards.

My experience with the DMP with CCCS for Lloyds and Barclaycard has been quite different - so could someone tell me who of Hanover or RBS are not telling the whole truth here.

Many thanks for listening!

Richard