Hi All I have not been on here for a bit only because I have nothing to report regarding my long outstanding disagreement with Barclay Card and the mis-sold PP. Hoorayyyyy SUCCESS today I have at last won my battle with Barclay Card and have been have had £9,871.80 repaid by back to me thanks to help of the Financial Ombudsman Service !!!! So those who are slightly disheartened by the length of time this takes to sort out DO NOT GIVE UP !!!

Yes please

If you click on the thumbnails it will enlarge

Don't think I have done that right but you can only read the signature nothing else there is no figures written on it or nothing can anyone advise

Hi jeff This is the agreement scanned in:

Dear Sir or Madam, Re: Account Number I purchased the above policy(s) from you in around year 2000 and topped the loan again but repaid the loan in 2005 but now believe that I was mis-sold this policy for the following: This is due to the fact that I was not given the correct information when the policy was sold to me, as · your salesperson did not tell me that the policy was optional and I have since realised that I could have taken alternative insurance cover. · your salesperson did not give me full information on what the policy would and would not cover I am concerned the sales assistant that sold me the policy has no financial background and the policy was not sold in my best interests. Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made. I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint. Yours faithfully, Hi Papadak This is the letter that I used I have the website that you go on to adapt the letter to suit needs but not sure if you can post them on this site but this is my letter that I have used on all of my claims. Good luck should you need the second letter let me know and I will send that one to you also

hI Jeff Just one more thing my husband took out a CCA (purchased some fitted Wardrobes) and you can not read the carbon copy that we have other than his signature it does not state the payments, interest rate or nothing purely his signature and the date do you think we could pursue this agreement as well. It is with Hitachi capital

Hi all Just a note to say that before I joined this site (yesterday) I was successful in claiming the following: 2 x Abbey Loans £1600 / £3600 successful 1 x Paragon Finance 3,500 approx successful 1 x MNBA £1583 successfu Barclay Card still awaiting response I have templates that I used I am happy to post them onto the site should anyone require them

great thanks Jeff I will get cracking today with this and let you know in due course what is happening and many thanks for your help you have been ever so kind

great thanks for that Jeff maybe just try and do it myself with the help and advice from this site and make donation here instead. Do you have any template letters to get me going Jeff please?

One of things I was going to do was ring one of these personal claim lines that are advertised ... any thoughts on that one:rolleyes:

Thanks for that Banker very useful sorry for the confusion on the thread I am new to the site so I bit confused to where I thread things. I think the best I can do at the moment is pay what I can afford to MBNA and Barclay card and as to see the cca as I am almost 99.9% these were both done over the phone Barclay Card I applied for myself and MBNA rang and asked me I wanted to have one of their cards and do balance transfers. Must admit when I rang Barclay and asked them to reduce the rate they did and give me fixed payments for the interim but MBNA were being ultimately nosey and want to know the in's and out's which i was not willing to pursue at present so I have just told them I will pay what I can afford at present and they will have to sent it to a credit agency to chase me for the rest but I do certainly feel that this cca are legible and do think I might I have case but it is what do I do first ie which letter do I send? Thanks:!:

Hi All I have been trawling through your threads for a couple of days now and I am intrigued as to this CCA. I have two credit cards Barclays and MBNA which were taken out several years ago could anyone tell me what is the best way forward to pursue a claim against them. Basically what do I need to do first ? Does anyone have a template letter ? Please help me this is all very interesting but mind blowing as to which way you go first Thanks:rolleyes:

Hi all I am new to this but have spent best part of the day trawling through threads and I am totally bemused. So if any of you can help me I would grateful. I have a couple of credit cards taken out several years I am going to send a letter requesting the information on the CCA I realise that if the agreements are not legitimate then I may have grounds to pursue the matter which is probably the case. I would be grateful if anyone could give me a template letter in order for me to pursue this further. I would be also grateful if someone could shine some more information re the data protection act I am confused on that one Look foward to hearing from anyone who may be able to help;)