Thanks guys. What's my next move, obviously they already have settled the PPI, should I get a SAR, I have already reported to FOS??

Thanks for your response dx100uk, I realise the fos state that money can be offset, however if this debt to WELCOME has been sold to PRA/ACTIVE FINANCE, surely they have no further charge to this money. When I phone Welcome yesterday, they confirmed the debt had been sold.

Hi everyone, I'm totally new on here and not even sure if I am posting in the correct place. Situation is I have had three separated loans with Welcome Finance. The first loan had no ppi on it, the second did, and the last one again did not. Unfortunately before the third loan was complete I fell into financial hardship, and entered into a dmp (debt management plan), initially the payments were going to Welcome, then they changed to PRA/Active Finance. I submitted a complaint to Welcome/FSCS nine week ago regarding missold ppi, and got a response back yesterday, stating my complaint was upheld and compensation was due at £954, however they stated this would be used to setoff against the liability still owed on the final loan, which is in my dmp I understand under FSCS rules they are able to setoff to recover monies owed to the original creditor, but on calling WFSL today I was advised that final loan had been sold to PRA/Active Finance, so surely the ppi should be paid directly to me as WFSL have no further recourse to this, and also the ppi claimed was against a different loan . Any thoughts.