Thread: ppi won but they paid off whole balance!!!

Hi
I have just won my PPI reclaim against littlewoods credit card [barclaycard]. It was £550.
However they wrote today that because the account is in arrears they were using the ppi to pay off the balance on the card they are not just paying the arrears however they have paid the whole balance due £445 and credited the rest to my card for the future so i now have a credit. I cannot use the card however as there is a default against it and it is cancelled.

They have failed to supply a cca whatsoever on the account and i put the account in dispute hence the arrears but the arrears are only £56.70!!!!

CAN THEY DO THIS????

Thanks in advance..

In a nutshell yes and no they can use an amount to offset the arrears but that is all.

They cannot use the whole lot to nil the balance and you are entitled to the rest back by cheque.

So £56.70 is all they can take.

I would write back to them and let them know if they do not return YOUR money within 14 days a complaint to the fos will be forthcoming.

Regards

PF

Originally Posted by pompeyfaith

In a nutshell yes and no they can use an amount to offset the arrears but that is all.

They cannot use the whole lot to nil the balance and you are entitled to the rest back by cheque.

So £56.70 is all they can take.

I would write back to them and let them know if they do not return YOUR money within 14 days a complaint to the fos will be forthcoming.

Regards

PF

Thanks for the quick reply pompeyfaith.

Will write to them on Monday.

Your Welcome keep us informed so we can update you on the way.

Regards

PF

I could use some advice please, I dont know what to do next.

I wrote to Littlewoods [Barclaycard] re them taking my PPI reclaim to pay off the whole balance. I have heard nothing except to have Mercers constantly writing and threatening doorstep collector even though the letter I had from Littlewoods [Barclaycard] said they had used ppi to clear balance.
In fact they have done nothing at all they have not answered my letters. I have written to Mercers telling them they have to contact Barclaycard for the payment of the arrears as I have won my PPI claim and Barclaycard have stated in a letter that they were paying the balance [Mercers havent replied].
Last week I had a statement and it was clear that Barclaycard have done nothing because nothing has been taken off the balance at all. All they have done is added late charges and interest.
I wrote again last week clearly outlining that I wanted my money by cheque within 7 days [that deadline has now passed], and all I have had back is a letter saying that they were investigating my complaint and they would write again by 7th Sept.

Where do I go from here please? I am at a lose to know what to do next.

There is now also an extra months interest to add to my claim [seeing as they still have the money]. Can I ask for that also when they eventually write to me?

Thanks in advance..

Sorry to be a pain.

I dont know what to do now!!

I wrote to fos re Littlewoods [Barclaycard] not paying me what they owe from PPI claim.

Today I have received a letter from FOS returning all the documentation I sent them. They have said that because I have made a complaint to Barclaycard they can do nothing, they do say that they have written to Barclaycard saying I have been in touch but cannot do anything until Barclaycard has given a final response within 8 weeks of my orginal complaint. I made the complaint on 7/08/09 giving them 14 days to pay me, when nothing came I made complaint to FOS

Is there anything else I can do now? Or do I have to wait again until the 8 weeks are up [which is Octotber].

My credit card statement is showing a credit [which i didnt think you could have on a credit card] and the card had been cancelled so there is no way i can get at the money.

Originally Posted by alanalana

I have just had a similar response from the fos returning all the documentation stating they must have a final response or a no response within 8 weeks.

My advice write again to Barclaycard asking them for confirmation of acceptance or refusal of your claim. If then you have a refusal or there is no response to your first claim within 8 weeks then it is back to the FOS to let them know you have been refused or no reply to your claim.

aa

Thanks aa.

Will write to them today.

hi guys just been reading the forums..i too have been dealt a rotten Egg i owe £9000 and claimed my PPI back through belmont thornton (big mistake) now blackhorse who sold me the ppi stated they will pay £3500 but its came off the balance is this fair...im out of work and the funds would of helped a great deal and on a sour note do i owe belmont any money..