I have been out my trust deed for over 12 yeqrs but RBS took the decision to offser the ppi i was owed by them.
In a similar case rbs lost a court hearing about offsetting however rbs are going back to court around this issue.
If you havent claimed already i would claim before ppi deadline

The trust deed company made us do it with a claims company as we were still on the trust deed. That's when we found out. It's not fair if they keep the money as we paid our debts and at the end of the day we were still mis sold.

Hi Theresagreen.

Did you repay your debts in full via your trust deed?

Yes we did

OK - well if they received 100% of what was owed to them (before the trust deed began) they'll have nothing to set-off any PPI against.

No we were paying them through the trust deed

Understood.

I was referring to the amount owed to them before the trust deed began.

If you owed them £5000 before the trust deed began, and they received £5000 from your trust deed, then they have nothing to set-off against.

If they received less than £5000 from your trust deed, their position is that they can set-off PPI against the debt that wasn't repaid to them via your trust deed.

The amount owed before the trust deed was greater. The £5000 was roughly amount of PPI we had.

So as it stands they'll look to set-off the PPI money against the part of your debt they did not receive back from your trust deed.

This may or may not turn out to be sustainable in the long-term.

Thanks for your help.

Does anyone know when Rbs are going back to court?

Gazza, RBS told me its likely to go back to court first half of 2019, however i emailled them last week for update and received a lwtter yesterdat just stating that its down to the courts when it will be heard. Hope this helps

Thanks very much.GlasGaz74