Nevermind, found my answer right here: Cheers DX!

I haven't been on here in ages. Congrats on the good news DX. Kick their ass some more!

Finally, decided to pull my finger out and get back to this. Just as a side note. Out of interest I called up some PPI Lawyers whom were advertising on tv. Those guys are [problem] artists, 1st they want 25% of the outcome and second they dont know much or at least pretend not too. I asked them how they would calculate the charges, they explained it as it should be, but left out the 8% re: FOS. When I mentioned this, they were like "yeah and that too". Funny people. Anyway, I got my letter sorted now. Just need to finalise the charges. Just wondering how do I go about adding the 8% re: FOS. Should it be 8% on each charge, not compound I guess? Or should it be 8% on the whole amount? Anyway, I am a bit lost with this 8%, any info on how its is calculated would be much appreciated.

Thank you. I'll have a good read.

That was a tedious mission! But, at least now I know the bank owes me just over 2k in PPI calculated up to June 2010. A few things I noticed while going through my statements: 1) PPI seems to have first been added to my account in December 2004. I have no recollection of them asking me about this. 2) In September 2006, I received a letter from Barclaycard stating some changes to my PPI policy. 3) In September 2008, in the Barclaycard statements, the PPI starts to be noted as "Optional Payment Protection Insurance". I have no recollection of them giving me any "option" or any communication on this. Is this "Optional Payment Protection Insurance" still considered PPI. I guess they are just trying to be clever as people started to claim PPI back. 4) Not sure if this is relevant, but my Barclaycard number changed about four times through out the whole time of me having it. Once was a change from 'Gold' to 'OnePulse' and the others were dude to fraud on my account. I am wondering on what basis I should claim back my PPI payments. 1) Should I say it was originally added to my account without my consent? 2) When my card was changed from 'Gold' to 'OnePulse', which seems like it was February-March 2008. I'm pretty sure I recall them aggressively advising me to take out/continue PPI, without them explaining any terms, exclusions etc. I have been looking at the FSA’s rules for selling PPI on here: Rules of selling - How to tell if you've been mis-sold PPI - Your money - Which? Advice It states: and I'm guessing it may be better in my case to follow the above line of argument with Barclaycard. In other words that: 1) Did not make me aware of any exclusions, terms etc. 2) Barclaycard staff used the 'We strongly advise" line on me. Of course I am not sure what is the best course of argument to take. Maybe I should go with the 'added without my consent' approach as it seems and as far as I remember, may have happened as of December 2004. But, as I mentioned previously I recall talking to them about PPI when my card was changed from 'Gold' to 'OnePulse' around Feb-March 08. I'm really not sure how to proceed here. Any advice would be much appreciated. Thanks in advance.

Thanks DX!

Thanks as always DX! Your like my CAG guardian angel! Just wondering, I initially had a 'BarclayCard Gold' (or something like that) but in 2005 this was switched to a 'BarclayCard OnePulse' and all outstanding moneys were transferred to the new card. Does this effect my claim at all, or maybe would this require 2 claims? Much thanks!

Hello fellow CAG'ers! Well I have finally settled in to my redundancy now and have some time to get in to this PPI stuff. Been reading up on it for the past few days and have a few questions. Any help would be much appreciated. 1) How far back can I claim? I have had PPI on my Barclaycard since 2000 and I just this month settled the whole amount so the balance is back to zero. I'm guessing I should avoid any further transactions on it and cancel my PPI too. 2) Do I need to request a SAR? I have all my statements/payments on record since I have had my Barclaycard. 3) Is there a template for notifying the Credit Card Co. that I believe I was missold PPI and I wish to claim it back. I have had a look at some of the other cases but am not able to find one. I heard in some other posts that there is a "Template Library". For the life of me, I am not able to locate it on CAG forums though... I'm probably just being a noob. 4) Is there any point in using one of these TV solicitor groups? I'm guessing not as its probably a rip off. Much thanks!

Thanks Monx! Any idea if sharing data with said advisers/decision makers would amount to a breach of the Compromise Agreement with my former employer. Agreement makes exclusions for sharing data with: - HRM Revenue and Customs - Legal or Professional Advisers (providing the keep info confidential) - Insurers - Recruitment Consultant or Prospective Employer I'm guessing said advisers/decision makers would fall in to the "Legal or Professional Advisers" category. Cheers!

Thanks again DX! Much appreciate the info! I guess I'll come back to this thread after I get clued up on the whole procedure..

Thanks DX. Just one more question, I promise Does a claim procedure like this reflect on your credit rating or puts you on a blacklist of some sort? Cheers!

Well, sounds good to me! I will read up on it! On another note, if I pay back the money I owe them i.e. return my balance to zero. Can I still make claims for the mis-sold PPI? I would rather pay it of now then incur any more interest, plus I guess there is also a possibility of not getting the PPI money back. Also, any idea how long the claiming process generally lasts? Cheers!

Thanks DX! I thought that may be the case. Yeah, I thought about claiming. But I am pretty sure that I outright agreed for the optional payment protection, over the phone though. Can I still claim on this sort of basis?

Thanks again Honeybee! Yeah, I had a look at it earlier. It does not seem to make any distinction with regards to redundant or voluntarily redundant. I guess maybe its all the same in their eyes. Lets see I guess.

Hello, My situation is that I have been made redundant via voluntary redundancy. Does anyone know if this still allow me to claim Job Seekers Allowance, or the fact that I volunteered for the redundancy excludes me. Any advice would be much appreciated. Thanks!