I am still in a war of letters with RBS regarding the refund of PPI. They have agreed that payments are due on 4 accounts but are offsetting against balances that were included in a previous IVA. The IVA (originally with Mitchell Farrar but ended with Creditfix) concluded in 2016 and I received a certificate of completion, which says that 'they certify that the debtor has fulfilled his obligations under the terms of the arrangement and that the proposal has been fully implemented' However RBS are claiming they have a legal right to offset any payment (including any interest) that it offers against the debt which was owed to them when I agreed my IVA and go on to mention a principle called Mutuality. They have also stated that they have contacted the original IVA supervisor who says they have no interest in any surplus funds after the Bank's application of set-off. The refund in question amounts to several thousand pounds (But so was the remaining balance). I have also read something where the Bank is/was in breach of a PPI order with the CMA, where they should have sent letters out to customers regarding annual PPI costs so the customer had the right to cancel PPI if they wanted. Should I have received one of these letters? Do you have any advice on what to include in my next letter to RBS? Would it be more beneficial to refer the case to the Ombudsman? My IVA began in 2010 and concluded in 2016
