Barclaycard help needed

paul06988

Dear all
I am looking for some advice and guidance as to what I do next : if anything

I recently won a PPI claim against BC and they offered me a full refund which I was happy to accept. They asked that I signed the acceptance form and return this to them. I stated on the form that I wished a cheque to be issued direct to me.
A week later I received a letter from BC stating that in accordance with my request they were off setting the amount against the balance on my card and sending the money to my a company called IDR Finance. I NEVER ASK THEM TO DO THIS...
My Barclaycard debt was sold to IDR on January 24th 2012 and I have the formal letter of notification from both BC and IDR stating they the debt was sold and I should now deal with IDR going forwards.
I am in DMP with CCCS and wanted the money to spread fairly across all my creditors.
I called BC this morning and they said they were allowed to send the money to IDR as the PPI charges were incurred whilst they owned the debt and that it was irrelevant that they had sold the debt it had to go to IDR against the debt.. Is this correct ?

Where do I go from here as they will not budge. I thought I read somewhere that as they had SOLD the debt they could not offset is this true ?

What is my next course of action... can anyone advise

Thanks

Paul

amersall

I would have thought as the debt was sold on they could not take the redress towards this, hopefully someone who knows what they can do will post to help.

tifo

from what I know, they can set-off a refund against a sold debt because it is still the same account and the debt agency has bought all rights and benefits. the FOS will say the same and I have some experience with this.