Hi dx, thanks for your reply. I will get the SAR sorted out as soon as I get chance. I haven't as yet put in any complaint to FOS. I would like to get as much info from Barclays first before I pursue this further with the FOS.

I would really, really like some help and feedback with my enquiry. Within the last few weeks I have applied for a refund for the Barclays PPI that I paid into. In February 2005 I was advised to take out a PPI policy. From memory I think this was done face to face with the advisor. When I took out the policy I was working full time (over 30hrs). Later on that year I found out that I would get made redundant as the firm had lost their contract. At that point I decided to work part time so I could do a degree; and in September 2005 I started part time. After being made redundant from that job, I got another part time job to fit around the degree. When this job ended I went to university full time to get my degree finished and by now I was relying solely on student loans and struggling to make some of the repayments. Eventually the PPI ended at the start of 2008. I believe I was sold this PPI face to face, and as such, I would like to obtain the evidence summarising the discussion that took place when the policy was taken out. I think this is called a demands and needs statement. Would I need to pay for this in the same way that I would need to pay for SAR? When I started my degree full time I went into my Barclays bank to set up a student account, and from memory I don't believe my PPI was discussed upon. Should it have been up to me to discuss this with an advisor or should Barclays have contacted me to discuss the terms of my policy? I have read on this forum that students are ineligible to take out a PPI, but I became a student AFTER taking out my PPI first. In doing this, would I have suddenly become ineligible for this policy? Even though I was still paying into it? To date, Barclaycard have refused me a refund because they stated that "they could not find any evidence that they mis-sold me PPI." They also stated that I "met the requirements of the policy and that the sale of my PPI policy had been appropriate." I plan to contact them again to request the details of their "no evidence" because I'm just not buying that at all. Would I also need to pay for this in the same way if I want the evidence of both the initial PPI sale and the SAR? Another point I would like to make is that I also suffer from a bad back which I pulled when I was about 16. Again, I cannot remember if this was initially mentioned and if it was, does this make the selling of PPI to me a complete mis-sale? Would I be refused a PPI refund if I mentioned the bad back and yet I still went ahead with the policy regardlessly? Again, I honestly cannot remember if this is what happened. If you have read this far, then thank you so much. I really appreciate it.