Hi tanyadm.

I'm not an IP, but I think clarifying the situation with the trustee and the bank might be sensible to avoid comebacks later.

Thanks TDA,

I emailed my IP at FD earlier to tell them the bank said they are sending them the surplus AND their dividend back - what a mess!

Keep it!!! But that's the insensible option. Reluctantly - I'd seek legal advice rather than approaching your IP that way you get independent advice, the experts on here are great and will keep you right

Oh no, I don't have it - they are sending the leftovers to my former IP, and the dividend, because they haven't used it, and the PPI wiped my debt to RBS. I've been misinformed by RBS all along, and they change their minds continually - it's exhausting!

Did u owe debts elswhere other than rbs?

Yes, Barclays and Halifax as well. RBS have set off the PPI refund to clear that debt, and are sending roughly £585 back to my IP, to do with what they will! But that's not what they originally told me they would do with the surplus. Also, they told me when I accepted their offer, that the set off process wouldn't delay things, now I have to wait a further 28 days to find out what they are doing.

This is typical RBS Tanyadm. They are exhausting and i do believe they are confused as you are thats why everything ends up a mess.

Hi tanyadm.

Based upon your circumstances as you've explained them I think your trustee is likely to forward this cash to you soon.

Hi Tanyadm

If you strip this all down, the you have been discharged and your trustee has been discharged, therefore the former trustee is no longer in a position to deal, in any capacity, with the money returned. As they are unable to consign this to the AIB, then it will be returned to you.

Mark

Thanks Mark, and TDA,

this was what I thought to be the case initially - and indeed, it is what RBS credit management team told me in early October. But yesterday, Triton Credit Services (RBS owned) told me they didn't know what the process was but that they thought it would be returned - advised me to speak to their insolvency team, and they said it would definitely be sent to the trustee. He did, however, say that he didn't know how PPI worked - reassuring, huh?

Also, a regular on Moneysavingexpert said that I had no right to the money as it was an asset of the trust deed even after discharge, just as in bankruptcy, but I was a bit dubious. They're so rude over there, I'm glad that this site exists instead!

Thanks for your friendly and knowledgeable advice!

Tanya

I think MSE is brilliant in many ways, but there's a lot of total nonsense in their debt advice forums.

A while back we contacted them to offer to help answer Scottish debt questions in their forums and pointed out numerous examples of people that had previously been given incorrect information or inappropriate advice there.

They didn't bother to reply.