I took out a loan with RBS in 2002 which I refinanced by taking out a bigger loan with them in 2005. The second loan was included in my trust deed and I was discharged from my TD in April this year.

RBS wrote to me asking if I would like to pursue a PPI claim for both loans, so I completed the claim forms and they asked for proof that I had been discharged from my trust deed. I sent them a copy of the relevant correspondence showing I was discharged in April. RBS then wrote to me saying my claims were successful, however if I was subject to a trust deed they may have to pay some of the claim money to their Collections/Credit Management unit. I have now received a cheque in respect of the first claim and it is for less than a third of the overall claim amount and the remainder has been sent to their collections unit.

I'm obviously delighted to receive some money from them, however can you please tell me if this is the correct procedure followed by RBS?

Thanks