I have claimed for PPI charged on a couple of credit card accounts and a loan with Natwest from period 1993 to 2003. I have received offers but they state that if I have any arrears or debts with the RBS Group it will be used to clear off these amounts. The Natwest cards, loan accounts and bank accounts were all paid off in 2003 and accounts closed with zero balances. I have a credit card which I opened in 2012 with RBS I have a balance on it but it is not in arrears or over limit. Can they take my money and pay it off the card account even though the accounts were linked? Hell they not even in the same names?! Any advice would be great. Thanks

Will try YBS again then as we completed the FOS claim form but put very basic information in there. As YBS have sent us the response do we not have to send to FOS? Suppose worth a try with the YBS again though.

Thank you dx. The document is a great help. Will get submitted to FOS.

I have submitted reclaim for missold PPI to Yorkshire Building Society they have responded to advise that they refuse claim on the grounds that throughout their investigation they found no evidence to suggest they acted inappropriately or improperly in any way either when arranging MPI cover at the outset or since. They have although found evidence to suggest that we were aware of the policy existing. We were told at the outset of applying for our mortgage that we would have to take endowment and payment protection insurance for our mortgage application to be looked on favourably. It was our first ever house purchase and mortgage and both my ex husband and I remember being pushed in the direction the mortgage adviser wanted and because we so wanted this house we agreed to all they told us we had to. They have provided copies of all the signed forms and say they find no evidence of misselling...... But they won't do because it was verbally implied we wouldn't get if didn't go down route of endowment policy and protect our payments. Do we go straight to FOS now or go back to the Building Society? What evidence could we provide to say missold as it was verbal? Of course they not going to have it written on any documents it's just my ex husbands and my verbal evidence? What now? Anyone have any advice on how we can prove? Thanks P.s. I also notice they have changed it from PPI to MPI and the insurance we took out was to cover payments which we didn't need as I got full sick pay and redundancy and so was the case for my ex husband. It was a monthly premium we paid which didn't affect any further interest charges added onto the mortgage but it was definable to cover our mortgage payment to the endowment policy if we were out of work for a period of time.

I had a detailed breakdown for each loan account number and 8% compensation for each account. Have just found some more loan contracts not included in the payout that have sent off new claims for too hence the going over old ground.

I know DX but I daren't just stop paying. Too honest and I know you say I'm cash cowed but yes I did have the money from the loan so yes owe it to whoever has the debt so don't just want to stop without a valid reason. I got the PPI money back quite a bit too so I wasn't paying it off this!

Sorry for resurrecting my old post just going through all that happened previously as I am still paying this to Marlins or whoever they are as they have changed their name again in last 12 months. I have been paying this for years and still have a fair bit to pay off. I have wondered is it too late to send a CCA? If they can't provide my signed contract then can I legally just stop paying? the CCJ dropped off my file years ago but I have kept on paying to the DCA who purchased the debt from YB when the CCJ dropped off my file. What can I do legally to stop paying or do I just have to carry on?

Thanks will get sent off to the address provided on the link.

Thank dx. So I send the Clydesdale Financial Services Claim to the Barclay address provided in link?

Thanks fkofilee it's not clear how to claim PPI for Clydesdale FInancial Services as the Barclays link is for the bank not the Barclay Partner Finance which seems to be a different part.

Thanks for the links and details confirming part of Barclays Partner Finance. Do I just send it back to same address as c/o Barclays Partner Finance? Do I change the PPI claim form to state C/o Barclays?

My claim for missold PPI to Clydesdale Financial Services Ltd has been returned back to me no information just lots of stickers and crosses from the post office? I have done a search and their name and address still comes up but now linked to Barclays. Do I resend the claim to Barclays or is it a case of I can't claim as they changed their name?

I knew they were digging for my reasons of requesting the info so didn't let on. I have most all statements from 1993 to at least 2001. I will take the info into the bank then to start the ball rolling again. Thanks.

I have sent my SAR's off and they have now received my letters. I have had numerous phone calls from one of them asking about what information I am wanting and I told them as per the letter everything they hold on me. They then phoned back and said I had signed the letter but they had no example signature from my accounts to confirm I am who I am! They are now asking me to go into local branch to provide proof of identity by form of marriage licence, driving licence and passport. Is this normal? They seemed to be pushing me to give them the reason for the SAR request but I didn't mention I had PPi. They also asked if I wanted transcripts of phone calls because if I did I would have to give them dates and times. I just told them if they hold any information held in any format on me or about me then they had to provide it? Is all this normal?!

Two credit cards with Natwest and one with Co op. I may also have an endowment policy that has cover on it. I don't have all the statements just up to approx 2001. I will get SAR's sent off tomorrow then. Thank you for your reply much appreciated.

Hi I have just found my old credit card statements from 1993 onwards till 2001 for 3 separate accounts and they all have a monthly PPI charge on them. How do I proceed? Firstly I didn't know I had the charges and the accounts are no longer running. Also I wouldn't have needed the cover as I would have received payments for sick and redundancy from my work place. Do I go for a SAR or straight into the PPI claim form and send in? thanks

I have spoken to FOS and they have said they can reduce the amount to Marlin even though the debt has been sold on twice. He even asked a colleague to confirm this so nothing else I can do now so signed the offer and returned it Thanks to you all for your help and advice very much appreciated.

Most of the remaining debt will be PPI debt that Marlin have! I have the letters saying debt has been assigned to portfolio then another letter saying debt assigned to Marlin under name of MCE or something like that. I am so confused as to what to do. I don't have any expertise in the matter of who owns what and who can offset what where etc. the bank now say wont deal with any further correspondence on the matter and next step is FOS to complain. A big part of me want to just agree what they have offered and be done with it. Not sure where to go now with this. Will ring the FOS on Monday and see where I stand. Anyone else have any ideas and some Firm grounds that I can push this on?

Well they have now responded in writing saying just what they said on the phone. If I want to complain further then they say to send to Financial Ombudsmen. They still say proportion to me for what I paid them and then a reduction at Marlin for what they took of the debt. No mention of the debt been sold twice and no explanation as to why they told me they had no info in reply to my SAR. What are my options with facts that I can substantiate as to why they can't reduce the amount of debt they sent to Marlins. They still aren't saying the debt has been sold despite me having the letters saying debt assigned. I don't know enough or understand the legal side of this as to whether its worth perusing as there letter to me says they will not address me in any further communications as they have exhausted all their investigations.

Well this is what's happening now. Advice again now needed as they being awkward! I returned my letter stating I wanted all PPI money paying to me direct as the debt had been sold twice and I that they returned my SAR saying no info on me when they clearly have as they have quoted to me exactly what I paid to them before they sold the debt on and assigned it to something portfolio for which I have copies off all letters proving this. Phoned them just now as still had no response to my letter. They said not had anything from me so put me through to the guys phone who I addressed my letter to to speak to someone who said this guy wasn't there. He said they won't pay me the amount assigned to marlin as I have not paid that element to them. I told them I am still paying the debt and whether or not the PPI was added upfront onto the loan they have had the money from selling to marlin. He says he can only pay me what I have paid to him and they can't offset to marlin. Told him their letter to me said they were offsetting to marlin! He said to send him a copy of the letter by email as I told him they broke the terms of my SAR request too by claiming to have no info on me when they have. He said that was a different department. Told him doesn't matter what department it's the Bank I requested info and if one department can find my info then the other should be able to also. He was going to send me a letter today showing all the legal reasons what can't pay me full amount of PPI direct said would it not be better to see my last correspondence before responding as he doesn't have the full info? He said to send by email copy of letter but I feel they are going to try to wriggle out of this one. What are my legal standings on this one? On a good note... . I found all my old loan contracts this weekend and there are more than 3 with PPI loaded upfront on them all paying off the previous loan with PPI on! I was so pleased to have found them so further claims going in anyway!

Thanks for the advice everyone. Sorry the debt was sold to something portfolio then to MCE but it's Marlin who collect the monies. Sorry for the confusion with who the debt was sold to. I shall write back to Yorkshire saying why no response to my SAR when clearly they have info on me and also that they cannot pay to Marlin as the debt has been sold and it won't fully cover the debt amount remaining. I still can't find the previous loan paperwork that has PPI on it so might as well wave goodbye to fighting that battle with them. Will get my letter off and let you know the outcome.

I have a letter from Yorkshire telling me assigned to Marlin and then it was sold again to MCE so I have two assignee letters. They do know about the CCJ!

Thanks for finding old thread and merging. Who is ICO and is there a letter template I can send re the complaint of Yorkshire Bank not sending info to my SAR request? Marlin own the debt the debt is being paid off as I get a statement every year with amounts offset. The CCJ has dropped off my credit file due to 6 years of paying but is still running so if I stop paying I will be back in court under the CCJ that still stands until paid. I can't prove the PPI on the previous loan even though I have the loan account number and can calculate the amount of the loan. I do have the original of the final loan that they have agreed to pay out part to me and part to Marlin. What do I say in my letter to Yorkshire bank? Do I say they should have sent info under my SAR and I will be making a complaint to ICO whoever they are? Also state as they sold the debt to Marlin they cannot pay Marlin direct? Yes cash cowed but we live and learn and there is nothing I can do about it now. I have the CCJ it is still standing so have to pay. My issue is now the PPI on PPI that need to sort. Thanks for all your replies

I did have a thread on this previously but for some reason it has gone?! It was left that the debt is with Marlin's and the original loan was with Yorkshire Bank. I have PPI on the loan and this loan paid other loan off with PPI on it at least twice so the remaining debt with Marlins will be the PPI amount if only I could prove it. Sadly only have one original loan document. I sent a SAR to Yorkshire Bank who came back with over 6 years so they have no information to give me. I then sent a SAR to Marlin who sent me all their info on me. I sent all my details to Yorkshire Bank and my claim for the PPI not mentioning anywhere that the debt had been sold to Marlins and that I hadn't paid it all off to them. They took over 8 weeks to investigate but came back with an offer showing the value paid to them with compensation interest on top of which amounts to the PPI element of the loan paid to them then the rest of the PPi amount will be paid direct to Marlins for the amount that represents the PPi element still outstanding. With regard to the PPi on PPI they are unable to investigate as they don't have the documents. Firstly they knew about the debt at Marlins still to say they will pay them so they MUST have had some info on me when I sent my SAR. Is it illegal to not have sent me the info when requested it and they claim not to have it but now claim in they suddenly know I not paid off in full and it was sold to Marlin? Secondly the PPI on PPI surely can be calculated? Or do I just have to let this one go as I am unable to prove it? Do I accept their offer which the amount of refund in total covers the full cost of PPI to start with but the interest and compensation is only calculated against the amount paid to them before passing to Marlin (how they know all these figures when they claimed no info held on me in their reply to my SAR) do I write and say they refused my SAR so I want to know how they could calculate these exact figures? Or do I just accept, sign to say this is end of all matters (which it isn't as the debt remaining is probably all PPI but as can't prove it with original documents not a leg to stand on unless Marlin take me to court and I show the judge the paperwork showing paying off a previous loan too?) Thanks and if anyone can find my original post on this then the background info would help.

Dx I will have to wait till I am at work to scan the docs in. Is it going to be ok to put them up here? There is rather a lot of info on there that would need hiding. I can get all the figures and try to track back the amounts. I need to rummage through some other paperwork too in spare room to see if paperwork in there. I so wish I had the documents prior! No wonder YB have got rid of all the paperwork! They knew what was coming! If I left all the figures then surely that will enable the DCA to identify me on here? Not sure I want to show all that info to the world!