halifax ppi refund advise please

[takeitalltheway]

Both myself and my husband have Halifax CC on which we were paying ppi. We both ended up going to FOS after Halifax refused to refund payments (husband has medical condition and I have more than adquate cover through my employer). We have both received letters from FOS stating that Halifax are not accepting liability but as a gesture of goodwill they are prepared to refund ppi payments, interest paid plus 8%. The letter I received from the FOS states that it would be usual for the refund to go onto the account if money is still owed but husband's letter did not state this. I am not happy if the money goes onto the account as this is our money and surely we should be able to decide what to do with it. We both owe money to other banks and are repaying through a DMP, so surely any money we get should be shared between all creditors. Halifax have not been able to produce credit agreements for either account so as far as I'm concerned the accounts are still in dispute and therefore we should not have to make any payments until they can produce the correct paperwork???
Sorry for the long post but I really don't know what to do.
Can we insist the money is repaid to us ?

[hellhasnofury]

Originally Posted by takeitalltheway

Both myself and my husband have Halifax CC on which we were paying ppi. We both ended up going to FOS after Halifax refused to refund payments (husband has medical condition and I have more than adquate cover through my employer). We have both received letters from FOS stating that Halifax are not accepting liability but as a gesture of goodwill they are prepared to refund ppi payments, interest paid plus 8%. The letter I received from the FOS states that it would be usual for the refund to go onto the account if money is still owed but husband's letter did not state this. I am not happy if the money goes onto the account as this is our money and surely we should be able to decide what to do with it. We both owe money to other banks and are repaying through a DMP, so surely any money we get should be shared between all creditors. Halifax have not been able to produce credit agreements for either account so as far as I'm concerned the accounts are still in dispute and therefore we should not have to make any payments until they can produce the correct paperwork???
Sorry for the long post but I really don't know what to do.
Can we insist the money is repaid to us ?

Congradulations on your sucess

I would write a letter to them stating that their good will gesture of payment is sent to you in the form of a cheque payable to yourself. This is your money to do with what you wish. They have deprived you of this money, which may have been a direct result of contributing/causing your present postion of indebtedness and financial hardship.

Good luck

[bathgatebuyer]

Well done! I'm still battling against them and waiting for a court date

It's your money so ask for it in whatever form suits you best!

[takeitalltheway]

thank you. I will write to them to accept their offer and request that they pay me by cheque. Any ideas what I do about the lack of CA?