It should be returned to her by her bank in due course.

.and any money you do receive has to be declared to the tax man HMRC as income as it is taxable....... Think this depends on the lender - some seem to deduct the tax and pay out net while others pay gross and expect you to declare to HMRC. It should be clear from their decision letters which method has been used.

I've been looking around the 'net a bit more and recent court cases seem to be coming out in favour of the lender - Harrison v Black Horse and Jones v Northern Rock (Asset Management). These cases both seemed to be trying to use the argument of an unfair relationship so would a different tack work - e.g. that the policy was taken as the result of a mistake? Another forum I've looked on seems to suggest that court action is a waste of time now and the only real route is the FOS. Have there been any recent court successes for the borrower (i.e. since October 2011)?

Hi Would appreciate some guidance. Had PPI on a F/Plus loan which was sold to me by Central Capital (owned by Central Trust) in early 2005. I was 'persuaded' by a very insistent sales person to agree to the PPI as I was desperate to get the funds at the time. Anyway my luck changed and I was able to refinance the loan a few years later, but don't think I got any (or much, if anything) of a PPI rebate. My dilemma is this - a friend had some success with PPI claims last year and agreed to help me with a compliant against Central Trust. They partly upheld the complaint in a 'Without Prejudice' offer but rejected the bulk of the arguments. The offer made was therefore less than I had hoped for and less than I had paid for the PPI. To cut a long story short my friend thought I was taking matters forward and I though he was and we've now 7 months down the line from the final letter and too late to refer to the FOS. I called them to try and explain but they said it was likely they would have to uphold any objection made by Central Trust that the referral was too late. So should I go to Court (which fills me with some dread!)? The amount of the PPI claim would need to be calculated and I know I'd need to request an SAR to get all the info but it could be just over £5k. Should I limit to £5k and take the safer Small Claims route? I don't really want to go to Court, employ a solicitor or have the risk of extra costs so am very wary of lodging a claim for more than £5k or making any complex claims that CT might insist go on the Fast Track. Have any others here had court success against CT for PPI claims? Have recent court decisions been positive towards PPI mis-selling as I've seen some decisions in favour of the lender (especially by HHJ Waksman) that have made me very wary of the Court route especially when the lenders win the appeal too (Harrison v Black Horse). Did you go small claims or fast track? Would appreciate any advice. Thanks

Greetings from a newbie! Think a few of us may have been barking up the wrong tree re the address/name - the OFT have a very handy online search now (Public Register) - details for Carter and Carter are as follows: Business Name Carter & Carter Financial Limited Company Registration Number 5577026 Issued Date: 21-Oct-2005 Expiry Date: 20-Oct-2010 Legal Formation: Body Corporate (incorporated inside UK) Current Individuals that run the organisation: Name Assad Ayaz Ajmi Firoz Nadim Irfan Nasrullah Nature of Business: Debt Adjusting Current Address(es): Correspondence 12, Dunlop Avenue, Rochdale, OL11 2NG Principal Place Of Business 173-191 Mansion House, Wellington Road South, Stockport, Cheshire, SK1 3UA Registered Office 173-191 Mansion House, Wellington Road South, Stockport, Cheshire, SK1 3UA Historic Address(es): Principal Place Of Business 3rd Floor Britannic Building, 115 Stopland Road, Rochdale, Lancashire, OL12 6PW Registered Office 3rd Floor Britannic Building, 115 Stopland Road, Rochdale, Lancashire, OL12 6PW If your card (credit or debit) has been debited without your express permission then you can claim a 'chargeback' via your bank or card issuer - you simply call them, dispute the charge and they will then contact TLG's bank to try and obtain proof that you authorised the debit. If they can't provide this the account has to be refunded - MUCH easier than trying to get a refund directly and more likely to get a result by complaining to Watchdog! By the way I've reported their website to the FSA - it's advertising remortgages without any of the required warnings!