I to was grilled over whether they thought I was actually 'miss-sold' my ppi
eventually received the confirmation that I would be receiving my ppi amount back and would be paid by 28th dec 2014,
however when the payment failed to make an appearance in my account I made enquiries into the matter and discovered my payment had been sent to 'debt free direct' because of my "IVA"!.
I first had to research what an IVA was and why I might possibly have had one without knowing it
plus supposed dealings with 'debt free direct' ,
After discovering what an IVA was and that i definitely dont/didnt have one 'debt free direct' where just as puzzled as I am not on their system and never had been (because I dont owe any money or have a debt management plan!) but my sum of money is down as being cashed by them!
Ive been passed from pillar to post trying to track down my money and told from both sides that I must consult the other party!
'Debt free direct' raised an important quiery,
lloyds would have had to check my name against the insolvency register incase of owed monies that the ppi money would by rights go towards paying off,
They advised me to check the 'individual insolvency register' while on the phone to them as the only person showing on their records with the same name as me had a very similar date of birth,
I typed in my surname and first initial and sure enough the only person on the register sharing the same name as myself all except middle names and DOB being a month and a day different to mine had an IVA against her name!
Lloyds said they will pass the issue over to their investigations team after they receive contact from the debt company ,
I have Emailed 'debt free direct' asking for them to make contact with lloyds to confirm that Im not on their system and I just hope Lloyds dont drag out giving me my answer as to why they wrongly handed my cheque to what I can only imagine has gone to pay off someone elses debts!!
Im sorry for rambling on,
I hope you managed to understand my situation and wonder if anyone else has ever had or heard of this happening before,
any feed back on the matter would be greatly appreciated,
Thankyou in advance,