Ukaviator Thanks a lot. I shall get all my statements together from 2003 to date. Cheers Bahoney

Drew I am in the process of claiming back my ppi from cap 1. I have all my statements and CCA with my signature but nothing with PPI check box. Is there a spreadsheet for calculating this PPI? If so, can anyone please point me to a spreadsheet for PPI similar to the bank charges one. How did you calculate yours?

Hi dj I think i may be in the same boat as you. I took out Crap1 card in 2003 but only realised a few months ago that ai have been paying PPI. I therefore sent CCA and SAR letters but with all the information that came back, nothing suggests that I signed up for PPI. I am in the middle of cancelling and requesting for a refund but I'm unsure how much to claim, bearing in mind the APR was 34.9% since 2003. Also, i did not see the Martin Lewis programme last night. Did you say crap1 have been fine innthe past for this misselling of the useless PPI? bahoney

Mick Congrats!! but don't go on a spending spree just yet. They might take it out just as fast as they put it in (Now you see it, now you don't! ). You might find yourself two grand overdrawn. There are rules regarding overpayment of any kind, and am sure that someone would tell you on this site. Be interested to know if/when they find out.. lol. bahoney

:o WOW!!!!! YOU ARE THE DON!!! I'll have to spend time and read your thread first before I send my claim in to Barclays. Well done mate. Stick around and help mere mortals like me:) Bahoney

tattietoo I am in the same boat as you, in that, I have been paying for PPI with CrapOne since 2003 but cannot recollect saying yes to it. i'd be interested to know - Did you find out that you ticked "no" from the statements that you received, assuming you sent SAR? Or did you have to request for the copy of the original agreement separately? Reason, am sking is 'cos I cant find anything on my statements to say I agreed nor disagreed to PPI when I got the card. Yours' is absolutely a case of mis-sold PPI and you are entitled to claim it back with interest. If I am right, you may have to cancel the PPI first, though. Bahoney

hi I've been going through my statements sent by Barclays for the past 6 years and each month there is a record for O/D PROTECTION 500 @ £0.80 / 100. £4 a month is taken for this. Also, account fee 1 @ £7.50, which is what is been deducted for using Barclays Addition. £12.50 every month for 6 years is a lot for something i have never benefitted from:-x . Can I claim both the account fee and O/D fee back as well?

Taff-p & Jesssb, I sat tight waiting for the 40 days to elapse but luckily I received the statements earlier. The covering letter was dated 1 April and got to me on 3rd April. I understand, the wait was hard for me as well. Follow your own timescale and not theres. With all the billions they make on profits they should be able to get the extra staff to deal with these requests. Will follow both your threads with interest. bahoney

Thanks Martin. Much appreciated.

i have a right to buy and got the £38K discount and the right to sell in 3 years, as opposed to 5 years which is the case now. I knew when 2 Jags of the then ODPM was going to reduce the discount to 16K, because I keep my big ears close to the ground. It might even go further down to 8K in the future. I sympathise with you because am a father as well, and my brother was in same position. procrastination got the better of him and he had loads of rent arrears to clear. Having paid off all his arrears now he is going ahead with the right to buy as a form of pension and also as a step on the property ladder. Surely, he cannot go wrong in London. My advice is don't ever trust any government, be it labour or conservative and if you can still buy - go ahead and do so. At the end of the day it's a step on the property ladder. bahoney

Hi I am in the process of asking for statement & charges for my wife who owns a mint card. It used to be called RBS advanta but now called MINT. Anyone with a MINT card out there who has claimed and willing to share the address to send the SAR? Would really appreciated. bahoney

hi I have received my statements from Capital One, and about to claim it all back. I am also thinking of claiming back the mis-sold PPI which I have been paying since I opened the credit card account in 2003. As the card was sold to me over the phone i don't recollect signing up for PPI. can i claim both the PPI and late payment charges together? If so how do I go about it. Do i need to write them to cancel the PPI first, before claiming both PPI and charges? Has anyone been in this scenario out here who can help me. if anyone can point me in the right direction I would be very grateful. bahoney

yep!! Got my statements yesterday will spend the easter break scrutinising every detail. Also have the loan details which have PPI included, so will be looking to claim that back as well. So busy easter for me. Bahoney

Just checked my account online statementand realised I have yet again gone over my overdraft limit. What's interesting though, is that the £30 charge has now been renamed to Commission. Anyone else seen this disguise in their statement?? Barclay's do move in mysterious ways!!!! bahoney

Hi Taff-p & Rightfullymine Sent my SAR on 26 Feb and got my cheque back with the same standard letter. So am sitting and waiting too. Will follow both your threads with interest. Bahoney

Hi troughlodite Got the same letter with cheque returned. however, I am considering replying to remind them that they are obliged to send whatever info they have, i.e statements within 40 calendar days.

Just wondering whether i should send reminder or just wait till 40 days elapses. They might feel they are not obliged to keep to 40 days seeing as they having taken money off me. I don't want this to take any longer than necessary. what do you think? bahoney

Hi trucker I sent my SAR on 26/02/07 and got a response from a Mr Townsend on 5 March saying statements would be sent within the next few weeks. Also got my £10 cheque returned as a complimentary gesture. Did you get a similar response? Bahoney

Congrats!!! But dont spend it all at once. Bahoney

Hi y'all Sent my SAR on the 26 Feb 07 and got letter back including £10 cheque stating " ... bank is not under any obligation blah! blah! blah!" Went on to say "......copy statements would be sent within the next few weeks without charge." Also said increase in time required to collate the information on account opened prior to 2000 which is store manually. Do I send the cheque back reminding them of the 40 day obligation? Or do I just wait and see if the statements will arrive before the 40 days elapses? I am sure lots of people have had this standard response from Barclays, I am just not sure what they did. So any advice would be helpful. bahoney

thanks Glenn. Will send the cheque back to the famous Peter Townsend and remind him that the 40 days are ticking away! bahoney

Glenn Are you advising to send the cheque back to Barclays Bank? Because am in the same boat I sent an SAR on the 26 Feb and got a reply back today saying they will send copy statement in few weeks. They £10 cheque was attached. bahoney

Congrats last Knight. You've inspired me. My SAR will be sent tomorrow. Good on you for remembering the donation bit!

well done lthomp192. i'll be following your thread as am about to send an SAR to Barclays tomorrow. My first step in this journey of what might be a thousand miles! Will be starting my own thread soon. bahoney

thanks smoorach. it looks like it would be a very long letter each to Barclay's and Capital One then. Any example letters you can point me to on this site, so I can see how to combine claims for both PPI and penalty in one letter? have you sent yours? bahoney