Wow - that was a speedy reply, and with the detail I needed. Thanks! Actually, the charges one is interesting to me - there were a number of months prior to me not working that I'd cut my card limit close to the bone; ironically, the PPI took me over my card limit so also incurred a charge for going over the limit! I'll fill in the SAR asking for the statements to Barclaycard; I'll let you know how I get on. Thanks again for the reply!

Hi, I've been recommended these forums by a friend and hope someone can offer some advice? In June 1998 I was self employed and had both my personal and business accounts with Barclays; having just moved to a new town I asked for a loan, and was turned down due to my self-employed status, however I was told I could have a Barclaycard, which I got. At the time, I was advised (by the Barclays 'salesperson') to take out the Barclaycard Payment Protection plan. In May 2009 I was unable to work, and contacted Barclaycard to let them know - at this point I found out that the plan was useless, as I was self-employed. In the six months after telling them this that it took me to get another contract, I accumilated around £2K in costs on the Barclaycard - mainly in interest payments, and late payment fees, as well as the PPP which they kept taking, despite me asking them to stop. By the time I started work again, the account had been closed and the final balance of just over £7500 passed over to a debt collection agency. I now have an arrangement in place with the debt collection agency to repay this in full, however, after talking to a friend in the financial sector, he said that I may have a case for claiming back the payments, as well as interest and penalties incurred due to the policy being missold. Looking at these forums, I'm getting slightly confused about the procedure here; it seems to me that I need to: 1) Get a copy of the original agreement; 2) Get a copy of all statements showing the amounts paid over the 11 year period; 3) Put in a claim However, I've noticed that there's several threads referring to Barclaycard having already contacted people who were missold - I've received no contact whatsoever. I'm also now a bit confused as to who I should be addressing: Barclaycard or the Debt Collection Agency? To complicate matters further, I moved from England to Scotland a couple of years after signing the agreement, and am also wondering if this affects anything (there seem to be different procedures for the two domiciles). If anyone's been through similar, or has any advice (even if it's to say "No, there's no case there"!) I'd be gratefully received. Thanks, Dave