Thank you so much for your reply. This whole saga has been so stressful but at least everything is now coming to a head, just wanted to make sure I made the right decision. Thank you.

Hi dx100uk, thank you for your quick reply. It does show as late on my credit score and its the only negative thing there with late markers and my score is coming up as 'poor'. They have not registered the default as yet, they say they need to do this now to accurately record what happened but I am opposed to this as am not sure of the difference between the two.

Hi, is it possible to get some information on what is the least negative marker to have on your credit file: a default notice or status 6 markers. My account was inherited from Barclays to Woolwich with overdraft and was converted to the old Premier Packaged account. I became unemployed in 2009 - returned to college to study alternative qualifications to retrain etc living off my overdraft of £1800 as I thought it would not be long before I found work but this was not the case. Barclays introduced their aggressive new fee charging system in 2014. To cut a long story short, the fees started to consume my account. I did raise a complaint about charges which was not upheld at FOS. Reclaimed and was successful on the packaged bank account around 2015 but I thought the whole account would have been written off. The letter from FOS which upheld the complaint did not mention repayment of the overdraft. The letter from Barclays acknowledging the complaint never mentioned repayment of the overdraft. I had numerous conversations with Barclays/FOS about what I thought. I received a Termination Notice in 25 April 2018 and contacted Barclays/Collections. They told me I had to go back to FOS to tell them to write off the overdraft. Barclays denied the conversation and I had to send a SAR to ask for a recording. Barclays denied having it and on contacting the ICO they found the recording but information was still getting blurred every time I spoke to Barclays. So in my frustration and with all the stress in trying to find work, I stopped communicating with them. I received a SMS from Barclays on 19-10-2018 saying that my account was now nil. When I called them to check as I thought they had decided to write off the overdraft, the collections team said they would have to 'reload' my account to reflect my overdraft still on my account. Short story: I contacted Barclays again and found someone who has listened and looked at the whole saga to try to resolve this. I have cleared the account which I have now done in full. The outstanding issues: 1. 'Status 6' markers are on my credit file. 2. No default notice was issued or showing on my credit file 3. The account was never sold to debt collectors. 4. No debt repayment letters for the overdraft were ever sent. 5. I still had access to my account via telephone banking: my account was never closed. Now they want to add the default notice to my credit file backdated to 2015 which will drop off in September 2021 OR if I disagree they will keep registering the 'status 6' markers until 2023 (from the date of the Termination Notice. What is the least negative to have: the 'status 6' markers or the default notice? Any information would be extremely helpful.

I see. This is good to know. I will try and see if I can find my original letter and send to them in writing and see what happens. Will let you the outcome. Thanks so much for all your quick replies. Thank you.

This is interesting as I was not aware that there was a difference in the PPI claims/calculations. Long story: I asked for this PPI reclaim over 5 years ago. The Woolwich loan was taken out when I had a Woolwich current account. The banking sort code for Woolwich was deleted off the banking system when Barclays inherited it hence they could not find my current account let alone the loan. They had told me that I had provide proof of the loan as they could not locate it. I did the FCA deadline search and it still was not located. As this was the last resort, I had to go into the loft and found it by chance. They changed the new reference number from the search and attached it to the old past reference number as the complaint was still on their system. Even speaking to them about their calculations and the one I got from the on-line calculators, no one can explain the difference, they just keep saying that they cannot speak to the PPI calculations team, they have to email them! Also I thought the Plevin paragraph was standard information. So this is where the mystery lies, I can reject the Plevin calculation and ask for calculations based on my actual PPI sums paid, would this then be in line with your calculator?

Have uploaded document. I noticed that they were meant to have included some information from Which and Money Saving Expert but it was not enclosed. Thank you. WoolwichLPc.pdf

So according to this calculator my refund should be £4562.96 at the 8%. This is in line with some of the management firms calculator on-line. I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90. Additional interest of £1,436.36 after tax on top of refund as compensation. Statutory rate of 8% from 1 Apr 1993 and at 15% before that. They have not provided a breakdown of payments from 15% - 8%. Only below: £ 469.50 - Refund of PPI premiums paid £ 257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£ 0.00 - Less any previous successful claim -£ 0.00 - Less any previous refunds made directly as result of this policy -£ 0.00 - Less any statutory compensation already paid -£ 359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due This will be the second time I am returning their calculations. They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated. I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan! Are they using a different calculator/principal why the figures are so far apart? How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed? Can I also ask how to do the 15% calculation? Thanks so much.

I think I have managed this after a few tries. To make sure that I have the correct calculation, is the 'interest at 8% Simple' in Row 20/Column K meant to be £86.95 for £12.15 or I have used the spreadsheet incorrectly? Looking at their letter again, they state they have paid 'statutory rate of 8% from 1 April 1993 and at 15% before that'. Their breakdown does not provide the difference in % from the dates mentioned above. How would this be calculated? Also is the statutory rate paid for the lifetime of the loan only or to the current date that they made their decision? You have been so helpful in providing these spreadsheets. Thank you.

Sorry but the problem was that the document is old and you could not see the figures when photocopied - have managed to do so now. Thank you for the calculator - will try that and see how I get on. I have now uploaded the document. Thank you for your patience. Woolwich-Barclays Loan.pdf

Thank you for your quick reply. Will read asap. I have tried to scan and rephotocopy but as it is an old document, the text is very faint. I will have to take it to a shop and try to photocopy again on a dark setting. Will upload later.

I recently received a PPI offer from Barclays re an old Woolwich loan dated back to January 1989. They previously could not locate this under previous searches prior to the FCA deadline as all Woolwich current accounts had been deleted from the banking system when Barclays took over. They have made an offer of £2,163 but when I put the figures in the PPI calculators on-line, it comes out at £3k - £4k. The APR was 20.5%. Monthly payments were £141.29 for 60 months, the credit agreement does not identify the payments for the loan and insurance separately. Amount of loan £5000.00 Optional Care Insurance £469.50 Total loan £5469.50 Interest £2750.00 Add Interest £257.90 Total interest £3007.90 Amount Payable £7750.00 Amount Payable £727.40 Total amount payable £8477.40 I remember seeing an on-line calculator on Martin Lewis site but it is no longer there and was wondering if someone could calculate the figures for me please or refer me to a calculator where I can do it myself. The letter says that if I think their calculations are incorrect then I have 3 months to send it back to them to look at again with my calculations before I send it to FOS within 6 months (p.s. I managed to find my old loan agreement). Any help with these calculations would be very helpful. Thank you Any assistance would be very helpful.

Hi mackem67 This came out last Friday on gov.uk - hope it can help. https://www.gov.uk/cma-cases/covid-19-cancellations-package-holidays Be interesting to know if this actually works

Hi dk100uk, have cut and paste the conclusion below: 'The appellant states that the operator has provided no evidence to confirm that they have landowner authority to issue the PCN. Section 7.1 of the BPA Code of Practice states: “If you do not own the land on which you are carrying out parking management, you must have the written authorisation of the landowner (or their appointed agent)”. Section 7.3 continues: “7.3 The written authorisation must also set out: a the definition of the land on which you may operate, so that the boundaries of the land can be clearly defined b any conditions or restrictions on parking control and enforcement operations, including any restrictions on hours of operation c any conditions or restrictions on the types of vehicles that may, or may not, be subject to parking control and enforcement d who has the responsibility for putting up and maintaining signs e the definition of the services provided by each party to the agreement”. In order to prove that it has the necessary landowner authority to issue the PCN, I would expect the operator to provide written landowner authority or a valid witness statement to rebut the appellant claims. However, the operator has only provided a document that confirms that the landowner has extended a contract. I cannot determine from the extension what the operator’s responsibilities are and whether it has authority to issue PCN’s. The appellant has raised other grounds of appeal. However, I do not consider it necessary to consider these, as I have already allowed the appeal on the above basis. Accordingly, I do not conclude that the operator has correctly issued the parking charge and will allow the appeal'. Very stressful ordeal!!

Hi everyone, just to let you know that I was successful in winning my appeal at POPLA in October. It has been very stressful and really affected me to the point that the whole thing made me unwell. Thank you all for your help and assistance.

Thank you all for all your help, will let you know what happens with POPLA.