Apologies, I missed that. But in any case, they can reactivate written off debt to set off PPI refunds against it, as that's what they are doing to me.

Although what they've said in your letter about paying back the 8% regardless of whether your account is with Credit Management Services, is at odds with what they told me - were you in any form of insolvency, e.g. DMP / IVA / Trust Deed?

RBS are one of the banks that are most stringent about setting off PPI awards against old debts, and yes, they are within their right to do so. IF there had been statutory interest, which I understand there wasn't, they can also keep that.

No, mine was a loan with RBS, taken out in 2005, but the principles are broadly the same, I believe.

Your case is way stronger than mine is, so I would think that you have a good chance of full redress. I am just waiting for mine - got the letter a week ago, but most of it goes to debts that were included in a trust deed that I've been discharged from, so I'll only get a couple of hundred actually back from £2216, but it's better than nowt I suppose!

I should add that I've found RBS to be unusually helpful and efficient, so don't be disheartened.

They are just clarifying the facts - you haven't messed up and they are categorically not trying to trip you up - it makes sense that they would phone to clarify if it appears you've not been clear about your employment situation at the time. Not remembering things doesn't mean you won't get redress - I had to say I couldn't remember most of the details about my situation - other than I had been told I had to take the PPI in order to get the loan. Now, I got full redress, even though this is my word against theirs, so you might find that their investigation shows that you were missold, regardless of what you did or didn't tell them. Good luck. x

Thanks for that - it was helpful, though I got tripped up a few times, as the questions are quite comprehensive! The upshot is that it confirms we'd get in the region of £350 a month if I work 16 hours, and zilch if I work 14, despite two days being two days in terms of nursery fees! Plus I know that 14 contracted hours ends up being more than that in my line of work, especially if I have to do out of hours calls. Food for thought, thanks for your help!

Can someone please help me understand whether we'd be eligible for tax credits? I'm currently on maternity leave with my second and final child (not directly relevant to question). I work four days a week - 28 hours - in my job, earning £27000ish, pro rated to £23300. I want to apply for a job which is 14 hours, earning £34000, pro rated to £13800. My husband works full time for £23300: In the new job, I would be paying over £700 a month for a two day / two child nursery space. So: Four day job - household income £46600ish, childcare £1420 Two day job - household income £37100, childcare £710 Entitledto seems to suggest that we wouldn't get any tax credit help because I would only be working 14 hours - but if I call it 16 hours on the same income, we'd get £86 a week. So 2 hours is the difference between us being eligible for nearly £400 a month? Please don't think I am expecting the system to pick up the tab for our choice to have children, and my current wish to reduce my hours. I am trying to find the best way to develop my career, while also spending more time caring for my children. It's a department head role which would allow me to progress to director - i.e. higher tax rate - roles in the future once the kids are at school - so I will be contributing back to the system!