Hi girl10

I am aware of similar where there are payments for CCA refunds and PPI payments, where they have offset these against existing debts.

I think the best way to proceed is to ask them on what basis they believe they can retain the funds rather than on what basis you are entitled to them. Switching the tables around might confuse them.

Mark

Isn't this refund connected to a technical flaw in their credit agreement and therefore (from memory) returns interest that shouldn't technically have been charged?

If so, you could see why they wouldn't want to refund interest that shouldn't have been charged but hasn't actually been paid?

I guess it all comes down to the various timings of the events that are involved though.

Yes that's the refund and I do understand that but I thought I would be entitled to a refund for the interest I did pay them within the period the paper work was flawed, which was 3 years of full never missed payments.

You may well be right girl10.

I guess it just comes down to whether NRAM believe that they're entitled to set that off against the debt that they wrote off, or whether the claim lost validity in their view when the debt ceased to exist.

I'd follow Mark's suggestion as it puts the onus upon them to explain their position.

They told me they would call me back after speaking with insolvency, just reading some other posts on here and people have been lettered about a refund even though they are currently in a trust deed, so fingers crossed

I guess that one difference is that the debt still exists while a trust deed is in place girl10.

I hope that you get good news... please let us know what you hear.

Hi, nram contacted me back today to say they are waiting on confirmation from the team that are dealing with my case to confirm if the refund I'm due from them will be offset against my debt I owed them, can they so this?

Companies are doing similar things girl10.

It seems to be potentially legally contentious so it's not really possible to give you a clear answer.