thanks I'll take a look

Hi guys. Ok so I'm going to try my best to explain it all date by date below. I had some debt issues awhile ago and was put on an IVA with Payplan. November 2008, I started the IVA with PayPlan November 2013, I completed the IVA and was given the completion certificate which I have here with me 10th September 2015, I was informed by AI scheme limited (by letter) that I may have a PPI claim 21st September 2015, I received letter from Barclaycard saying my claim was sucessful and that they has sent a cheque for £3601.61 to Payplan 25th September, I called Barclaycard requesting the cheque be stopped as I haven't had any dealings with Payplan since my completion in November 2013 but was told that I had to contact Payplan. 25th September, I called Payplan but was told they are allowed to keep the money and I am only entitled to the intrest (8%). After explaining that the completion certificate says that they are only entitled to any 'pending PPI claims post closure) I was told that I am still only entitle to the 8%. The lady on the phone said "Oh we are allowed to keep it for up to 6 years after the start of your IVA" ..... However it's now been over 7 years. Her supervisor still said "You can have 8%" I did try to log on to the PayPlan site to look at any old documents but as the IVA ended in 2013 it won't let me in. Do I have a legal standing on this? I had no idea any PPI was due to be until a couple of weeks ago when AI scheme said I might have. It's been way over the 6 years since I started my IVA and I have the completion certificate to prove I finished up in Nov 2013. Any help you guys could give me would be very much appreciated. I heard about Green VS Wright in March 2015 that may be of help? Thanks.

To me. The plan had been to use it towards the bill from AM but since they took so long it ended up going on bills. Thanks for the links I'll write to them and see what they have to say for themselves.

Yeah as I purchased the contract through their website.

Ok this is a lengthy issue but I'm going to add this step by step rather than just rambling on. 1. Purchased a contract phone via affordable mobiles. FREE Samsung Galaxy S5 on a £35 a month contract with EE/T-Mobile. 2. Very soon realized the signal was terrible and hardly anything worked, calls, texts, 4G etc ... 3. Contacted T-Mobile to cancel ... They said I would have to pay up the contract in full since they only promise "A Service" not a "Perfect Service". After an hour of talking they agreed to cancel the contract without a termination fee ..... IF I could get affordable mobiles too agree. 4. Contacted AffordableMobiles and they said they would need it in writing from an EE / T-Mobile staff member that they would be happy to cancel. 5. I managed to get it in writing from a lovely woman at EE after using some charm on her. 6. Emailed it to AffordableMobiles who informed me that they accepted the written agreement and too send the goods back. Ok here is where it gets a little ..... strange. 7. Sent the goods back via Hermes around December time and ...... They lost it!! 8. Hermes paid out compensation and confirmed in writing that they lost my parcel. 9. I contacted AffordableMobiles and informed them of this with proof and they said ok I'll just have to pay for the goods instead and they will contact me in due course with a bill and confirmation that the T-Mobile contract had been cancelled. 10. A month went by and heard nothing so I emailed them and they just repeated the same. 11. Then in February I received a bill from T-Mobile asking for the full contract amount which I agreed to pay £10 a month as I assumed AffordableMobiles instead of cancelling the contract just decided to let me rot with T-Mobile. 12. However this month I have now received a bill from A1 Comms stating "Since we cancelled your T-Mobile contract you owe us £335 for the goods you received from us" (Phone is now worth £266 in stores) 13. I contacted AffordableMobiles (Since A1 Comms only seem to have a business email and not personal) but they are yet to reply. That's over a week ago And here is where you guys come in. Clearly the contract was never cancelled since I'm paying it off with T-Mobile as we speak. The phone is FREE aslong as I'm paying the contract which I am. So I feel it's impossible for me to owe two places for one contract agreement. Any advice would be nice.