Can one claim ppi again if it paid to a £rd party without agreeing?

[Dot1]

Hi Dx,

 

As suggested, I thought I should start my thread. Below is my situation and would want to find out my position.

 

I claimed PPI a few years ago and the bank without accepting liability, agreed to refund the amount with interest as a "goodwill gesture". At the time the debt was already sold to a 3rd party therefore, they decided to pay the money to the 3rd party instead of the me. Despite my protest that the debt was not theirs anymore, they insisted and paid it to the new owner.

 

In light of the information on the offset rules I read in some post and FSA site, my question is:

 

Can I make a fresh PPI claim to the bank to refund me since they did not pay me or will it be a waste of time?

I raise my complaint with them at the time but they were not moved.

 

DX thanks for your reply, in the other thread, you said claim can not be made twice.

Considering that they paid them selves against my will don't you I have a case?

 

Your advice will be very much appreciated.

 

Dot

Edited March 11, 2012 by Dot1

[ims21]

Hi

 

You say they paid themselves and yet I though we were talking about a debt that ha been sold?

 

if the latter the case of Edlington Properties v. Fenner & Co. Ltd could be useful reading

 

 

 

ims

[Dot1]

Hi

 

You say they paid themselves and yet I though we were talking about a debt that ha been sold?

 

if the latter the case of Edlington Properties v. Fenner & Co. Ltd could be useful reading

 

 

ims

 

Thanks ims,

 

Yes, they paid themselves. I meant the OC went ahead and paid the DCA (new owner) despite my objection.

The debt was absolutely sold to the new owner at the time my complaint.

That is why I thought perhaps I could put in another claim and see what their response will be.

I will read the case you provided.

What do you think? Is it worth it?

 

Dot

[ims21]

Hi

 

You can't put in another claim i.e. you can't claim twice.

 

The only thing you could do is investigate under what authority they paid your money out to a third party.

 

How successful you will be may depend on how long ago this all happened and the reasons this was not taken up with them before now.

 

ims

[Dot1]

ims,

 

It happened in mid 2010.

I was told me that the refund will go back to the Credit Card account but since the account was already closed, they will pass it on to the new owner and it will be used to set off the outstanding amount.

I objected but without success. All communications were kept in writing.

At the time I thought they were right so I did not bother to follow it up.

I guess its too late now.

 

Dot

[ims21]

One way of looking at it is that your indebtedness on that card was reduced although you should have been given the opportunity to decide how you wanted to spend your money.

 

There is no reason why you cannot take this set off query back to them on the basis that you have only recently discovered that they appear to have acted wrongly.

 

Which bank are we talking here?

 

ims

[Dot1]

I totally agree with what you. It has reduce the debt but the way in which they did is what concerns me.

Amex in cahoot with Capquest.

 

If I decide to take it up then perhaps to see what they will say.

The problem though, its been over 1.5 year.

 

Dot

[ims21]

Nothing ventured, nothing gained.

 

Be sure to ask under what authority they carried this out.

 

ims

[Dot1]

Nothing ventured, nothing gained.

 

Be sure to ask under what authority they carried this out.

 

ims

 

Thanks for the encouragement. I suppose that is the only way change can come about.

Next time they will have to think first before they mislead people.

I will draft a complaint letter and see what they will come up with.

 

Dot