Oh, and another particularly weak argument from RBS (in response to my point that the ability to reclaim PPI could have been brought to my / the trustee's attention while the trust deed was active.)

"Concerns about the suitability and the mis-selling of PPI were first raised in March 2008 and were widely publicised in the press. At this time, customers could approach their branch for information and guidance on making a claim.

While I appreciate your comments, it was not our policy at the time to pro-actively contact customers who had PPI."

I.e. "We did wrong, we knew we had done wrong, but we weren't going to do anything about it until someone made us."

No wonder people don't trust banks, they can't even portray themselves as trustworthy. I work in PR and would be having words with this person if I worked for RBS!

I am actually wishing I had never filled in the PPI form.

Got a text to say payment had been made, phoned the PPI team who told me that I had to speak to Triton Credit Services. On an expensive hold (0845 number) for twenty minutes until I managed to speak to someone who told me that £2275 was paid into my account yesterday, pushing it into a credit of £355.

This number doesn't add up at all:

My loan debt was £1844, my unpaid overdraft was £211 - total debt of £2055, minus a dividend of £230 = £1825. This would leave £450 as a surplus.

He couldn't tell me whether the dividend had even been applied yet - from the 25th of July.

Other insolvents - IVAs mostly - have had the full statutory interest returned, but it looks unlikely that I will get that - if anything. Again, they couldn't tell me whether the trustee would receive the surplus payment - which would be pointless, as they and I are both discharged.

Argh!

It has taken over 3 years, but the FO has finally made a decision regarding my PPI claim with FirstPlus.
FirstPlus orginally upheld my claim, but paid the award to the outstanding debt on the loan. The loan had been part of my trust deed and I had been discharged three years previously. I argued that since I had paid 84% of the premiums (and loan) that 84% of the refund should be paid to me.
The FO has found in favour of FirstPlus despite the fact that the debt was discharged.

Hi Bottomlesspurse.

Thanks for sharing that information with us, even though it must be disappointing for you.

Do you think it has taken this long to reach a decision because of the complexity of the decision? Have you been given any feedback in that respect by the Financial Ombudsman?

Hi
I'm not sure actually - I got the impression that they had mislaid my claim for about a year then appointed someone to my case very late. Hope this helps someone else.

Today i made a claim to RBS for the recovery of the money they sett-off based on this:

(Broken external link removed by admin)

I don't think that the RBS position has changed Kayak.

We understand that an appeal against the previous Court decision is likely to happen.

The offset case is due to go to court in October.
My argument is that i got PPI interest only payment many months after my TD had been closed.
On a matter of principal i am pursuing RBS as i feel they acted illegally as they took the money and offset it against their payments which had been settled and i had been discharged. Had i still been in the TD i would say they were entitled to it, however they had agreed and had their payments and like i said i had been discharged.

I have contacted RBS and had the standard "we are looking into it 8 weeks to reply" letter.
However i have recently had a couple of phone messages where they want me to call to discuss.

Having dealt with RBS before i think this is their way of trying to stall payment, or find a way to trip me up.

In all my PPI claims they have never made contact other than by letter. I feel they now know they owe me money, otherwise why would they call?

Hi Kayak,

I find it hard to think that RBS, spending a lot of money taking this back to court, would change their position before that case has taken place.

Why not have a chat with them though and see what they have to say?

I'm sure many others reading here would be interested to know.