Hi,
My concern is in reference to a certain act by Royal Bank of Scotland, that I consider unethical and would need your help in clarifying. Due to certain financial troubles at my end, including an accident in June, I ended up being behind on some of my payments. I continued to make some payments on a regular basis, as I intended to clear the amount I used and still do. I also have a bank account with RBS and deposit funds in the account to make payment as a regular mode of payment. However in May 2010 RBS withdrew money from the account aithout my approval and posted on the card. Even though its not been misused, I consider this to be absolutely incorrect. As I understand the bank can block the funds in case of delayed cc payments but cannot withdraw it of their own wish.
When I demanded an explanation, I was shouted at and misbehaved with. I have been wronged and I expect a decent apology, which I was denied. All I needed was some flexibility for some months to be able to be able to be back on track. My history for the number of years with RBS(erstwhile) ABM AMRO) and all other banks is evident of my intent. Thereafter I did not make payments to RBS and wrote to the Banking Ombudsment seeking help.
As per procedure I was directed to RBS again, and they claimed that they can withdraw the funds, however in the course the amount payable went up by several thousands due to charges etc.
I cannot pay the entire chunk together, and the settlement option provided by them was also not feasible, I asked them for a longer tenure to pay the settlement amount which I was denied. Now I am getting harassing calls from the debt collectors who abuse, threaten and use inappropriate language. I am asking for time to pay the amount not refusing to pay just smaller instalments which I can maintain without stresssing my other liabilities.
I even have recordings of the harrassing calls. Pls advise Was this information helpful? | 
