Hi, New to site so forgive me if covered before or posted incorrectly. I requested a SAR from Barclaycard as I had an issue regarding a card I had with them. they sent me today a stack of old statements, within this stack are statements that relate to an old Monument Credit card I had, I assume they either own them or took them over? I noticed on all the statements that I was paying a Payment Break Plan fee each month, I have no idea what this is or why it's on, I have had a quick scan on web and it appears similar to PPI, question is, can I claim a refund as mis-sold? I didn't need/want or even realise I had, so would definitely say it was mis-sold. But is this treated same as PPI? If so, does anyone know how I go about complaining to get a refund? (i.e any template letters) Who do I send it to? monument ? Barclaycard ? Does Monument still exist? Any help would be appreciated Many Thanks