RBS PPI complaint upheld - questions

[spaspeckerthedull]

hello all - need a bit of advice before proceeding

 

This might seem more complex than it actually is, so please bear with me.

 

after a long haul,

I have had my PPI complaint upheld by the RBS. So far, so good.

 

They have made me an offer and then gone on to explain that I won't be getting some of it due to a succesful claim made against the PPI.

Then it gets a little complicated.

 

I have all my DSAR documentation,

and have been going through it prior and post claim.

 

The copy statments show insurance amounts hitting the account to cover the loan payments,

but they are sporadic and do not make sense

- eg. there are 9 insurance payments being credited to the account on the same day?

And I distinctly remember prior to these payments trying to make a claim on the insurance due to redundancy but the claim was delayed and not upheld.

 

I never received any notification from the bank or the insurance company that succesful payments were being made and the account went into arrears, being passed round various DCA's before being sent to CMS telford

 

Theirs and my offer calculations are nearly the same.

What is confusing me is that they have sent me copy statements going back to when I opened the account in 1995, listing every detail and transaction etc.

but then the statments stop in 2010.

The account has been in dispute since 2008 and has been statute barred since 2014.

 

My questions are as follows:

 

how do I find out if the account is still active?

there has been no activity on the account for at least 9 years

and I have had no "you owe us" letters for about 7 years

 

are CMS a part of the bank or a DCA?

 

I presume that any amount I receive will be offset against the statute barred debt?

when I cca'd and DSAR'd the bank they could provide no evidence of any credit agreement existing between us

 

I think i've explained it pretty much, so any comments/suggestions/questions are welcome

[dx100uk]

CMS telford were simply their internal DCA.

 

even though it might well be statute barred they IF they own the debt still can offset yes.

 

if they've sold the debt then no unless they buy it back.

[spaspeckerthedull]

thanks dx100uk

- I need to find out if they've sold the debt.

 

It just seems queer to me that 9 "insurance" payments were made into the account on the same day, totalling over 2500 despite me making an unsuccesful claim over a year earlier

- it was the unsuccesful claim that made the account go into arrears in the first place

 

haven't got my hopes up regarding actually receiving the money

[dx100uk]

so you sent an sar and none of this info was know by you till now?

 

dx

[spaspeckerthedull]

so you sent an sar and none of this info was know by you till now?

 

dx

 

yes, I did send in a SAR but the information supplied was of such quantity and so complex that it is only recently I have been making headway into preparing my claim

- I simply did not have time to devote to it due to work and family commitments,

it has taken me years of letters and advice from this forum to get anywhere really as they have been quite devious up until of late.

 

it's all over now and I have received my refund, less payments made to the insurance company to cover what they paid out

 

thanks to all - I will post in the successes thread when I get chance