PPI And Mistaken Insolvency over annulled bankruptcy

et_tu_brute

I had a bankruptcy in 2007 but had it annulled within months.

Fast forward to 2019, Barclays upheld two PPI complaints in my favour.  Total figure just shy of £3,000.  They issued my cheques.  Unfortunately, I deposited the cheques after six months.  They had "expired". 

I requested that Barclays reissue my cheques.  They responded that they would have to conduct a fresh investigation into my claim.  After waiting a few months, I received a bombshell letter from Barclays informing me that it had come to their attention that I was a bankrupt. They had therefore disbursed my funds directly to the Insolvency Office.  

After a few phone calls, and me fortunately having access to sufficient proof of the annulment, the Insolvency Office acknowledged their error and gave me a reference number to approach Barclays.  They claimed not to have actually received the funds from Barclays.  There were emails back and forth until I copied them both in on a stern "sort your stories out!" email.

After a bit of quiet, I heard from the Insolvency office.  They wrote:

:::::

Barclays have also contacted to advise the payment has been sent – The funds do not appear on your case but it is possible these funds have been received..

It may take some time to locate the funds, due to the payment would be one of many received from Barclays for the same amount and without your case reference would not be automatically transferred to your case.

If and when the funds have been added to your case, a review to process a refund of funds will commence. This can take several months.

:::::

Their system created the error in the first place.  I believe it is unfair, that I am paying for the system error, and their inability to trace my payments. In fact, I suspect they are assuming it is one compensation pay-out, not the two.

I wish to write the Insolvency Register a complaint, and ask that they resolve my claim within 21 working days.  I also wish to request the interest that has accrued on the pay-outs from the date of the delays created by them.  If they have not located my funds within that time frame, I will then escalate it to the relevant ombudsman.

Am I being ambitious asking for the interest accrued?  Barclays already calculated the interest on my pay-outs at the time of initial pay-out..

I also feel minded to complain to Barclays, as, had they reached out to me before allegedly sending my funds to the Insolvency Register, I could have provided proof of the annulment immediately.

Many thanks for your suggestions in advance.

[Deleted User]

If Barclays find they did send the funds, then there will be no additional interest. If they didn't, then it will be automatically applied.

The 21 days deadline isn't worth putting in either, as it will take as long as it takes to resolve.

So basically, save yourself a stamp.

et_tu_brute

Thank you for your thoughts on this.  Much appreciated.

et_tu_brute

An update.  I've since had someone from the official Receiver's office who's been extremely helpful and doing all he can to get to the bottom of where my money is.  The bottle neck now is Barclays who have not responded to his email and so far cannot be reached on the phone.

Many thanks!