Hi GrangeLachie,

I'm afraid I don't think we're going to have very good news for you on this (for now at least). As I'm sure you've read elsewhere here, RBS aren't paying out PPI claims where they'd previously written off debt via a trust deed.

This may change in the future because there is ongoing legal action.

Did Allay provide you with any risk warnings or advice about the RBS position on PPI after trust deeds? Did you may them aware about the previous trust deed?

My wife wasn't aware of any risk warnings, but Allay are saying it's in the small print and my wife will no be liable to pay them even though we haven't received a penny from rbs.

I guess you could argue that they really should have made you aware of the particular risk regarding RBS and trust deeds.

You could perhaps also argue that they do not demand payment of the fees until the legal action has run its course.

Ultimately I guess this is a legal contractual matter between your wife and the claims firm. If you dispute that the fees are due, you may wish to contact a solicitor or legal advice centre.

To be honest I think it was one of those things you really just don't think fully about or read the small print.

Rbs Ppi team have sent the payment to the debit management team. They won't give Allay a penny so it's looking like we're just gonna have to pay Allay up god knows how as my wife is on maternity just now.

Spoke to rbs debit management team who have told me they have retained funds and allocated the funds to an old debit.

I did mention about the case rbs vs donnelly but the advisor was unaware of the case.