I hold an Amex/BA card.In January 2006 I had £3,000.00 on it.In May 2006 I received an offer from Amex giving me the opportunity of making a balance transfer of 10K for 0.48%pa permanently.I immediately took up this offer and closed my EGG card, MBNA and RBS.I made a monthly direct debit payment which is still going on.A few days ago I was informed by Amex that the balance transfer I made in 2006 is now 3,300.00 but my initial 3,000 on the card prior to the balance transfer has now doubled!! When I asked the reason, I was told that the monthly payment was going towards the balance transfer and not to the initial 3,000 balance on the card prior to the balance transfer.There is nothing on the monthly statement which shows thre breakdown.There is only one single amount, the total owed to date! I think this is misrepresentation. Do I have a case to challenge? What have I gained by accepting their initial offer of 0.48% permanenetly if the initial amount has now doubled? Many thanks for any help berytus

Many thanks for your message. The adjudicator called this morning.We had a long chat.We explained to him the situation.He will now forward the file to the FO. Sauheil

Many thanks for your help, will do. Regards Sauheil

This is called openplan.We have a lump sum at our disposal to use. Next to this there is the initial mortgage to our house,this is where we pay in monthly.Due to the increase of the interest rate, there had been a monthly shortfall . When we went to barclays to pay,we were not given the proper information ie. sort code and new account numbers because of the takeover of Woolwich. The ombudsman is still studying the case.The adjudicator was only assigned a couple of weeks ago, so all the time when there was no adjudicator assigned we were charged penalties hence the accumulated amount Regards Sauheil

Thanks for your reply. Barclays did not give us the correct sort code in order to make the payment.There are regular payments made inrto this account for the mortgage but there has always been a shortfall due to the increse in the interest rate. regards Sauheil

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where do I find the templates in order to reply to a debt collection company for a card I never had nor obviously used?