Hi I applied to Barclaycard for 2 visas which I had for late payment/overdrawn fees and have received a reply saying that they are satisfied that their charges of £12 are in line with their actual and estimated costs which are incurred and comply with relevant legislation and guidance. They stated that to ensure customers are aware of these charges they also give details of them on back of monthly statements. Should I write again or is this the end?? Thanks very much. AA

I am looking for some advice on what to do next. I must admit I am not that up to date on these PPI’s so hopefully someone will be able to give me some info. I had 2 credit cards with Barclaycard. One opened in 2002 and 2008. I filled out the correct forms but have had a reply saying that “we have completed our investigation and we are unable to locate a policy in your name. As a result your complaint cannot be upheld”. As I don’t have any documentation – do I just leave it at that? Also can I apply for any late payment fees or default sums?? Also Vanquis - I received a reply “I can confirm that the Repayment option plan was discussed following approval of the account. The information provided by our Reps clearly describes the features, benefits and costs of the plan. It would have been on that call that it was agreed to have the product added to the account. The info was confirmed in wiritng and the charge for the plan has also been itemised on each monthly statement that has been issued since the product was applied. In addition, from review of the account I note that the Repayment option plan has previously been activated. Therefore the charges which have been applied to monthly statement since the ROP was accepted have been correctly applied and as such I am unable to agree reimbursement of these charges. Please be assured that the ROP has been removed from the account. When I was on maternity leave last year Vanquis froze my account. In the envelope they sent me, was also a letter for someone else. Again, can you apply for any late payment charges/over limit charges.? Monument – received reply – enclosing T&Cs and a Rapid Reply card signed by myself in 2003. Letter states – We hope this letter has been helpful in addressing your queries and we consider our credit card agreement with you to be fully enforceable and that there is no dispute. Just looking for someone to put me in the right direction please or if I should stop now. Apologies for the non-knowledge!!