Personal debt Services - gone quiet! : LUSENET : Repossession : One Thread

I posted this message about 12 months ago:

"I bought a flat in 95 for #26250. I had to give it up in Jan 99 as I got married and could not sell it - it was overvalued and the market price was about #21000 and they were not selling. It is with the Royal Bank of Scotland. Since I handed the keys in I have not heard a thing.

I know they may come after me in years to come. How long? I know they may demand a high sum (eg #15k) and the advice is to make an offer (eg 2k).

I feel I was misled by the valuer but cannot take action against them as his contract was with the bank not me.

I have 4 small investments in my name - can they find out about them and take the value off me?

The flat was in my name alone. If anything was in my name and my wife's (joint) would they still be able to touch it?

Would be grateful for advice."


A little while later I was tracked down by Personal Debt Services (PDS)of Manchester demanding just under 20k. I asked them for a breakdown, and received a cloudy set of statements. I wrote asking for clarification, and they wrote back in October 2000 saying that they had forwarded my request to their client (Royal Bank of Scotland), and if I did not receive a reply within 28 days I could contact their customer complaint dept.

Nothing happened, and I largely forgot about it. In fact, I even let them know my new address (I am renting a council property now). I wrote to them asking for an update around 2 months ago - still nothing!!!

Another problem I have is that I think (due to a corrupted disk) Imay have lost records of some of the correspondence I sent to both PDS and RBS - are they obliged to let me have copies?

I followed CAB advice and said that I felt that, due to surveyor negligence, I was not liable for the debt. I would be willing (if I had it) to pay them 2k to get it sorted and move on with my life.

Are they using the Japanese negotiation tactic of silence? If so, what should I do?

Again, would be grateful for advice/moral support.

-- D Longley (, June 05, 2001


My understanding is that PDS have gone bust, but no doubt you will be hearing from RBS in some other guise. Keep stum is my advice

-- Blue Moon (, June 06, 2001.

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