Thanks All Landy I was so upset with CL Finance, and you are right the wonderful lady at halifax who has been dealing with this (and treating me so respectfully...and understanding that my mission was the reduce my debt - first and foremost) I think knew that CL weren't playing fair, plus she could probably see what they bought it for on her screen. I actually have another 5 debts (smallish) with CL, but seems 75% or nothing with them ! I am looking forward to reducing my debts thanks to the help and advice from this forum. Barclaycard I got £1500 off the balance for charges and PPI, Halifax Card I got £247 plus £336 PPI taken off the balance, HFC - I agreed to their £2k off the balance for misold PPI..................So my amount owed is looking so much better. I am continuing with others and fighting all the way, I know I spent it, and I am paying it all back, but my situation is so much better thanks to their admission of mis-sold PPI and unfair charges. Originally owed £32000, with charges added when I defaulted - £34000. Paid back (pay CCCS 300 per month) £10k off the debt and thanks to reductions for above now owe around £21000........................one day I will be debt free ! When cheque clears I will be making a donation to the site for all your help and advice !

Landy are you still going to keep on to get the other half ?

Update - call this afternoon, as Cl Finance are a bunch of monkeys, halifax do not want the money sent to them because they keep making a mess of accounts and also because they make errors. The cheque is coming to ME !!!!!!!!!!! £1446 !!!!!!!!!!! I am in shock, I can now pay off lots of my smaller accounts and then be just left with the big ones ! I am so happy, thank you to everyone who contributed to this post !

Update - this morning informed that I am getting £1446 back for PPI on the GE Capital Loan. Hhalifax said they could send cheque to CL Finance for this for a full and final - rang CL and they refused - they want £2000 off the balance of £2667. Considering they bought the debt and it will take 8 years to pay off, I am so annoyed. So it's either ombudsman or accept a chq to me for £198 and £1200 off the current balance - leaving about £1250......................or I find £550 myself for the extra and the debt will be gone. No chanve of finding £600.......................any advice please what to do next ? Shall I ring the FOS for advice ????

Hi Noom, if that was directed at me, Barclaycard was CC and the £1300 was PPI only, they paid also charges back - only charges not interest and I accepted. The Halifax was a loan, and the £1300 is PPI and charges. I am still waiting on their answer. Just to say sorry, the thread was anyone had BCard Success, hence why I posted, didn't mean to jump on anyones thread !

Hi BEachy, I actually have 2 one with halifax, one with barclaycard, I think I got confused as you asked if anyone had success with Halifax ! Barclaycard took £1300 of PPI of the balance and £247 charges off also. I still have a balance of about 2k. Halifax sold the debt to CL Finance - the PPI amounts to about £1300 also, they took the Charges of £355 off the balance, but I am still argusing about them taking off the £1300 off the balance as they sold the debt on. Forgive me if I get confused, I have so many ongoing claims I am confusing myself ! Been with CCCS over 3 years and no problems, have no issues with BCard coming off balance, but Halifax SOLD the debt, they still state that they have every right to give it to the DCA !

Well I have spoken to them today and they say they may be able to refund me what I have paid so far plus interest, but the rest of the rfunded PPI has to go to the loan. I explained that the £1300 was added to loan at start and I paid monthly I paid for about 6 months before I started to deal with CCCS. The whole balance of loan plus PPI was passed to the Collector, minus the payments I had already made. I feel this is wrong, after all if this is indeed a PPI refund, all monies should be returned to me, not just the ones I had paid. It has been sold fraudulently therefore that is MY Money not theirs, I have no issues paying back the loan, but how can they give that money to the DCA ??? If they gave it to me I might have been able to do a full and final !!!!!!!!!!

Thank you so much, I really appreciate the time you have taken to respond and to find out more info, I was really struggling with finding info online. I have basically told them that I do not accept that the money will be used to reduce the balance, only because the debt has been sold on. If it was with the original creditor, I would be fine, Barclaycard have refunded £1300 and It has been taken off the balance - but CL Finance I did not agree to a loan or PPI with therefore that money should be mine and can be used to pay off some of my smaller debts. I will let you know the outcome in a few days when the complaints person calls me back.......... It is good (or bad haha) to know others are going through this issue as it helps to know what to do next, your advice is really really appreciated !

Oh thanks DX, I really would like that back to me, would be great to be able to settle this debt.

Don't know where my post went ! Thanks for moving ! You say they HAVE to refund by cheque.............are there any guidelines that state this, anything I can quote when I call them Monday ?????????? It was a GE Capital Loan originally, somehow ended up with Halifax ? Now they are willing to pay the £1300 to the company they sold it to, but I think that is wrong as CL finance probably paid less for it.

Hi there and thanks for moving my post ! DX you say they have to send me a cheque, but is there any regulations that state this ? I am going to ring them on Monday ready to tell them no I don't accept they are going to take it off the balance of a debt they do not own !!!!!!!!!!!!!!!!!!!!!

Beachy I am in the same position, 5 storecards and the same response as you to all 5, they were taken out in 03 and they quote the fact not regulated til 05............has anyone won this battle with them ? Unsure as to whether to press ahead ?

I sent one letter asking for £1013.00 PPI on my Baclaycard, inc interest and the 8%. They have offered me £1300.00 and actually went back further than I had asked to 2001 when I took out the card. They say it has to come off the balance (which as defaulted, have been with CCCS for 3 years and always pay on time, no problems). Someone said they can do this, another they have no right. Any advice gratefully rec'd ?

Oh and without the PPI I probably would not have got into this situation and could have cleared this off a few years ago....................

I have been offered a settlement for PPI which is full amount plus interest. Halifax want to take it off the defaulted balance (been on reduced payments with CCCS for 3.5 years, never missed a payment). But, the debt has been sold on to CL Finance and I am not happy as this £1300 could be used as a full and final to pay them off. Is there any difference when it is regarding a sold debt (Halifax are happy to refund this). My balance is £4700 and this £1300 is a bit chunk. But as the Debt was Sold, they would have bought it for pennies, so you can imagine that I am peed off! Is there any way of getting Halifax to pay me (legally) any words of wisdom to make them send to me, or offer as a F and F to CL off this debt ? Would really appreciate any advice, I wouldn't mind if Halifax still owned the debt but it is annoying to think they probably bought it for £1000 and this £1300 could free me of this debt !