Bank of Scotland refund of charges (concern), help needed.

BigBadJonno

Hi All, this is my first post here, so please bear with me (and help if you can!)
I've recently received a letter from Bank of Scotland regarding a Sainsbury's Visa credit card that I originally took out around 2007. The letter stated that they were refunding me £231 worth of charges. This came about after a 'review' of my account during the period August 2012 to April 2013. Now, this debt was assigned to Lowell Portfolio in 2015 (ish?) and became subject to a CCJ in 2018. BoS stated in the letter that they would repay the money directly to Lowell.
After receiving the letter, I felt that it wasn't particularly clear about what exactly had happened, nor why they chose to review a delinquent account after 8 years! I had a brief phone call with the Customer Service Centre, who stated that it was due to where charges had been continued to be applied to my account after it was passed to their collections dept, but the answers that I was given weren't very clear and I was left feeling that they were not telling me the whole truth, especially the reasons behind why they undertook the review. They did mutter something about a change to consumer credit laws in 2014, but wouldn't expand on it when questioned.
I wrote a letter in reply, asking them to provide their full reasoning behind the decision, what drove it, and how they calculated the refund that was due, and why they felt it was appropriate for them to forward the refund directly to Lowell.
I received a reply this morning which said that they had tried to contact me by telephone to discuss, but as they had no telephone number for me then they would mark the case a resolved close the case immediately! 
I've now written back again, asking again for them to respond to my original request in writing and stating that they are being unreasonable. (I have the right to written communication, surely?).
I've also told them that I'll be submitting a claim to the Courts and Tribunal Service to have the 2018 CCJ set aside as the amount claimed was grossly overstated, as they should have been aware of this mismanagement when the CCJ was filed (if the law changed in 2014 as they claim) coupled with the fact that I had a PPI mis-selling claim in with them at the time, which they have since settled.

Am I going about this the right way? Has anybody else had a letter like this?

sourcrates

Periodically companies review past procedures, and yes i`ve had this a few times, so have many others, they don`t always get it right, so once a problem is identified, the required redress is paid.

As the debt was sold, and presumably still retains a balance, then the refund will come off what you owe Lowell, its standard practice, and nothing untoward.

I don`t see a reason to question it personally.

Did you not submit a defence the first time around ?

Ideally a set aside should be made promptly, within weeks not years, and you must not have responded to the original court papers, if they were sent to an old address for example, you must also have a defence, there is also a fee of £255.00 to pay.