well after a letter and a phone call , and various things the FOS advised me to say , i actually beat barclays and woke up to a cheque of £717.11p , it shows , that everyone should never give up , the fundemental different was in my claim , that i had actully paid the money to the illegally mis sold policy , that and a few harsh words in my letter

Hi , and apologies up front if this is understandable to most people , but its certainly not to me.. this is part of a letter i have received from BARCLAYS whilst reveiwing your complaint , we have been UNABLE to trace the documentary evidence to support the process , based on this we have UPHELD your complaint..... to acheive this it will be neccisary to repay the original ppi premium used to purchase the policy , and the interest charged on that premium , these payments will be made to the outstanding depts ( which i assume is my balance of the loan) we will then refund the monthly ppi repayments paid amounting to £609.44 and credit hid current account with 8% interest on these monthly ppi repayments totalling £107.67 the thing i dont get with the last part is , i dont have an active current acount with barclays , it was closed and passed to a DC, so will i be able to ask for the money i paid to the PPI as a personal cheque? or will they offset it to an old current account i no longer have access to? then the totals they calculate done make sense to me? we (barclays) have calculated the balance of the outstanding dept as follows ppi premium repaid to dept £465.95 ppi interest charged to oustanding dept £+258.06 monthly ppi repayments refunded to current account £-609.44 reduced outstanding dept by £114.57 can anyone please make this simple , and advise me if i can claim back the monthly repayments on the ppi i made , can i request them as a PERSONAL CHEQUE as i dont want it going to my old , inaacessable bank account

Hi , and apologies up front if this is understandable to most people , but its certainly not to me.. this is part of a letter i have received from BARCLAYS whilst reveiwing your complaint , we have been UNABLE to trace the documentary evidence to support the process , based on this we have UPHELD your complaint..... to acheive this it will be neccisary to repay the original ppi premium used to purchase the policy , and the interest charged on that premium , these payments will be made to the outstanding depts ( which i assume is my balance of the loan) we will then refund the monthly ppi repayments paid amounting to £609.44 and credit your current account with 8% interest on these monthly ppi repayments totalling £107.67 the thing i dont get with the last part is , i dont have an active current acount with barclays , it was closed and passed to a DC, so will i be able to ask for the money i paid to the PPI as a personal cheque? or will they offset it to an old current account i no longer have access to? then the totals they calculate done make sense to me? we (barclays) have calculated the balance of the outstanding dept as follows ppi premium repaid to dept £465.95 ppi interest charged to oustanding dept £+258.06 monthly ppi repayments refunded to current account £-609.44 reduced outstanding dept by £114.57 i dont understand the + and - in these totals? can anyone please make this simple , and advise me if i can claim back the monthly repayments on the ppi i made , can i request them as a PERSONAL CHEQUE as i dont want it going to my old , inaacessable bank account