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 RBS PPI Claim After Trust Deed - 2019

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T O P I C    R E V I E W
Bacardibill Posted - 12 August 2019 : 18:42:25
For Info : Today I had a very dissapointing response from the FO, I had a complaint with them with regards RBS offsetting PPI monies against previous trust deed debt despite being discharged.
The FO hae gone with RBS despite the Donnelly case and up and coming October court case...........comment from my FO letter :

"I appreciate that you granted a trust deed and were
subsequently discharged, but I donít think that makes a difference. I donít think it would be fair to ask RBS to repay you the extra you paid for PPI that was offset,so your claim is denied"

I would be intetested to hear if any other forum members have had a response from FO with there existing claims about offset.
15   L A T E S T    R E P L I E S    (Newest First)
draggo70 Posted - 23 November 2020 : 21:13:24
HI fist time posting. I have been watching this thread for some time now and it looks to be going in the favour of us that were denied our ppi due to set off.
I had my claim set off back in 2017 after signing all that appropriate forms, I would like to ask the forum members if there is something that I should be doing just now to get my money if all goes well or will this be an automatic process of being paid out by the rbs.
Kayak Posted - 21 November 2020 : 13:30:01
Brian 5, well done!! However, can you share what the acceptance offer letter via FOS was please? The reason i ask is was there mention of set off in it?
Mandyn Posted - 20 November 2020 : 16:58:45
Wow well done Brian 5 ...Congratulations!!!
Brian5 Posted - 20 November 2020 : 14:57:49

My original claim against Direct Line, was successful, but I had recieved acceptance forms that I did not sign as there was a clause allowing RBOS to hold the funds against my trust deed.

I told my claims company that I had sent the forms in, but had heard nothing back, so they lodged a complaint with the FOS, months ago.

A couple of weeks ago they asked me to contact RBOS and get new accpetance forms, then sign and return them.

I haven't done that yet, So when a pile of letters from RBOS arrived this morning I thought it was probably a new batch of acceptance forms.

It is infact a pile of cheques from RBOS in settlement of my claims, the accopmanying letters thank me for accepting their offer via the FOS.

So this could be good news for everyone else, either that ot I am some special case.

Good Luck guys.

Kayak Posted - 19 November 2020 : 21:29:29
Got a letter today saying i had not replied to a payment offer from RBS on 07/06/2019
and that i had 12 weeks from the date on the letter, 11 November 2020 (so 8 days to come from PPI Team in Manchester, must have been delivered by snail), or FAILURE TO RESPOND WITHIN THIS TIME COULD RESULT IN YOUR OFFER BEING WITHDRAWN.

I have no idea what the offer was so i have asked for it to be resent. Watch this space!
Debtnomore Posted - 18 November 2020 : 23:23:43
Just an update on my situation. I recently emailed RBS asking about whether my PPI claims would be offset against my discharged Trust Deed. They asked me to send a copy of my Form 5 which I duly did. I explained that I had been given a timescale to accept the 5 offers and that before accepting, I wanted to know what I should expect to happen. They have replied but only asking that I resend my form 5 as a pdf. More waiting. Like many others on this forum, I would just like some closure on this once and for all. Hoping it will be very soon.
kdyguy Posted - 18 November 2020 : 20:16:15
Looks like their bog standard reply, I received exactly the same this afternoon from RBS
ewenR22 Posted - 18 November 2020 : 12:59:08
[i]Originally posted by Luke4630[/i]
[br]Ewenr22 yes can send letter send me over an email to

Thanks will do.
Luke4630 Posted - 18 November 2020 : 10:30:46
Ewenr22 yes can send letter send me over an email to
TDA (Debt Adviser) Posted - 17 November 2020 : 22:20:44
I honestly know nothing about it Kayak. Iím hoping someone else does and will share it here.

I could find a public online reference to the case but thatís all.

The RBS wording shared here just doesnít feel especially optimistic, but who knows after all of this time.

To be fair to them, they seem to be providing a good bit of detail in these individual email updates. Sharing more than we knew before.
Kayak Posted - 17 November 2020 : 22:02:29
It seems to be, however the other litigation is it stalling for the inevitable or do the actually have a point of law?
TDA (Debt Adviser) Posted - 17 November 2020 : 21:56:01
Iím probably speaking too soon here, but doesnít it feel like this is heading rapidly towards a conclusion at last?
Kayak Posted - 17 November 2020 : 18:26:17
Same reply to me! Anyone have any details of what the other case is?

Thank you for your email.

I have spoken with our Legal Department about the courtís rejection of the appeal and how this now impacts the situation. They have advised me to pass on the following information to you:

While the Bank acknowledges the decision of the United Kingdom Supreme Court not to grant permission to appeal in Donnelly v RBS, the Bank is awaiting the outcome of related litigation before the Outer House of the Court of Session (RBS v Donnelly).

The decision of the court in RBS v Donnelly is expected in the coming weeks. The outcome may again change the legal landscape regarding the payment of PPI Redress in circumstances such as your own. Therefore, the Bank will not make payment of your claim at this stage. We will keep this position under review.

I trust this information has been helpful, but if you have any further queries, please let me know.
ewenR22 Posted - 17 November 2020 : 16:03:20
Would you be able to forward the RBS letter to me as well? #128077;

[i]Originally posted by Luke4630[/i]
[br]Hi debtnomore I have a letter from rbs you might want a copy off going forward .My thoughts are they could be pulling a fast one ,I'd sit back just now ,feedback from ombudsman did agree with me on the wrongfull wording in there letters ,regarding offset

Luke4630 Posted - 17 November 2020 : 11:35:16
Same reply back for me

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