I've made claims on some debts I had which were paid off via a Trust deed discharged in 2005. RBS have agreed to refund PPI but have retained the £1100 as payment towards the debt. The financial ombudsmen is now involved and whilst RBS have asked for confirmation the Trust deed is discharged, and I have sent this to them, they replied they now wish to wait for the FOS to tell them what to do.Ironically another debt in conjunction with the same Trust Deed is a Halifax loan, and they have already issued a cheque for £2,820.So there appears to be no seet approach across the banks.