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PPI & arrears


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Hi,

 

I recently sent off speculative requests to all my old creditors to request they investigate any PPI that has been applied to a number of old accounts (all now defaulted and being repaid by token payments).

 

I have had a letter back from Santander offering a refund but then stating that as I have arrears on the account (a cahoot loan) they will offset the refund against the arrears and refund the balance if any is left (there won't be).

 

Some time ago I had a PPI refund from First Plus who refunded me with a cheque and did not offset against the arrears that were on that account.

 

Should companies be offsetting the PPI refund against arrears or should they be refunding what is money that I have paid them on a mis-sold policy?

 

Thanks,

 

Pubman1

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Hi

 

If there are arrears then they can I believe carry out a set-off.

 

Regards

 

ims

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yep

 

you were lucky the others did not realise

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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