no credit agreement - help

[takeitalltheway]

For several months I have been writing to Halifax re ppi insurance on both mine and my husband's credit cards. Got fobbed off several times and referred to FOS. This week we have both received letters from FOS stating that Halifax are prepared to refund premiums plus interest. Great! But the problem is firstly my letter states that any refund will be applied to the account if there is an outstanding balance (which there is). Husband's letter did not specifically state this. Secondly, Halifax have not been able to produce a credit agreement for either account.

 

I'm not happy about the refund going to Halifax as we have other creditors and surely we should spread the money between them and secondly if there is no credit agreement then we are disputing the account and therefore they have no right to pay anything to a disputed debt???

 

Please advise - I'm a bit confused of what to do now.

[Guest Old_andrew2018]

HI

Its a tough one, the FOS in their letter say that Halifax are refunding PPI premiums plus interest directly into your CC account.

It would seem either the FOS have agreed to this or are simply reporting the Halifax offer to you you could write again to FOS explain your are happy (if you are) to accept the offer however you wish this refund to be paid by cheque made payable to yourself.

In fact can I suggest your husband writes the same letter to avoid any confusion.

 

You could make a CCA request after the cheques have cleared.

 

Regards

 

Andy

[takeitalltheway]

Thank you, I will write to FOS accepting the offer and request that the refund is payable by cheque. I have already requested CA and they have 'been unable to locate it'. (Probably because there isn't one). Hopefully this will be all it needs. I'll keep you posted.