Hi I have today received a letter from the FOS saying MBNA have agreed to make me an offer and are calculating a figure. I take it this will not be the figure that I calculated, anyway, just updating my thread and will let you know what they come back with.

I want to start this court claim now to get my older statements, I am really confused about how to proceed however. I have seen the threads on here about doing this and have the POC etc. but nowhere can I find out how to actually start court proceedings. I have asked my local court (Slough) and they have replied saying all claims for money only should go through Salford. This claim however will be for the older statements so is not money only. Is there a thread somewhere which is an idiots guide to the whole court process for somebody that has never been near a court before? Regards

The thing is I was employed at the time I took it out. This was when I took out the card in 1995. In 2001 I starting working as a contractor but I wasn't aware that I would not be covered.

Thanks guys. They have it is their final word on the matter so I will send it to the FOS. Regards

Hi I have received a letter back from BC saying that I ticked the box on the application form and so i am not entitled to a refund of my payments. The agreement I ticked is here. Do I still have a case? My argument is that I didn't get any T&C's so when I started working as a contractor I was still paying it even though it wouldn't pay out. Also as there were no T&C's or as far as I can see even a statement saying how much it would cost then it was mis-sold. What is confusing is that when I received my SAR pack it contained a large computer printout of all my account details and there was a section about PPI. This seems to suggest that it was an advised sale over the phone. I have only just noticed however that the date is 2005 and this was taken out in 1995. Should I disregard this? ]

Hi So they have refused my PPI. I will update the otheer thread but I am going to go through the courts. I do find it a bit intimidating as I have not had anything to do with a court before so have decided to go for the older info first to give me an idea of what I am doing. I have read the old threads and there is a POC I can use but how do I actually go about making the claim? Do I use Moneyclaim? Its the info I want not any money. Regards

Thanks, I have filled out the questionaire and spreadsheet. I do have banks statements for that period showing how much I paid for the monthly payment. I used to only pay the minimum really so along with what they sent me showing the dates my limit increased I can fairly accurately work out the PPI payments. Its interesting because there are loads of charges on there so if they do provide old statements to try and show I have overestimated then I can then hit them for these as well. The one thing I dont understand is the contractural interest. You say fill in the fos questionairre, i though if you went the fos route you were not entitled to this and only 8% on top of the premiums? Regards

Thanks, so basically they should work it all out for me, will they include the interest I have paid on the premiums? They say they do not have the info over 8 years old. Will they estimate this?

Thanks, they stopped chargeing interest initially but have been charging it again for the last couple of years. Can I add the months and just miss out the ones in between?

I have posted a new thread in the PPI section Regards http://www.consumeractiongroup.co.uk/forum/showthread.php?360273-Barclaycard-PPI&p=3930345#post3930345

Hi I have been paying off my Barclaycard for over 5 years via an agreement. I recently decided to SAR them in the hope that my charges my clear the remaining balance (£1500). I have received the SAR pack today but they have only gone back to 2004. My account was started in 1995. There are lots of charges on the statements and I know there will be more in the years that are missing. I also found out that I was paying PPI for 11 years! I didnt even know. The problem is I only have the last 8 years and the last 5-6 years the account has not been active. I therefore only really have 2 and a half years worth of active account statements. There is 9 years worth of active account which I dont have statements for. For the PPI, I had a few credit limit increases over the 9 years so cant just use the same PPI charge as the last 2 years as it would have been lower than this. BC did however provided some data which included dates of all my limit increases. I lived on my limit so I used that and the same percentage as I took from the statements I have to work out the missing PPI. If they would send me the missing statements then I would happily use those figures. On the data they sent me it says the PPI was an 'Advised Sale' whatever that means. There were not T&C's on the application form though, just two boxes to tick, yes or no. For both the charges and PPI I am using compound interest of 24.9 which I read on here. I have them on seperate sheets and will be dealing with them seperately. The PPI I have estimated to have been £3003.91 with CI this comes to £53309.38. How likely am I to get this? I take it this would go to court and would not be covered by small claims? Would I be better going for 8%? Regards

You would need to do this as two seperate companies. One buying the debts and another set up to pay them. You would offer to take on only the debts that cannot be collected by saying you specialise in collecting debts with no CCA etc.

CAG or a cooperative of members should start there own DCA. We could collect on behalf of people on here. Imagine all these accounts that have been in dispute due to no CCA etc. These have been sold on and passed from one DCA to another. Nobody is paying yet they go round and round being sold at something like 10% of the outstanding balance. Meanwhile people have defaults etc. for 6 years. Supposing a new DCA approached the latest holder of these accounts and offered to buy them for 12%. The DCA would accept as long as the account had been uncollectable for some time. This new DCA would already have an agreement with the account holder that they could pay the 12% charge for the account. The account would then be in this new DCA's name and the record including any defaults etc. could be removed from the file. Even if this was done by a private company, if they agreed in advance and charged say 15% for an account that cost them 10% then they would make 5% risk free. The account holder would be free of the debt and any bad history and the previous DCA would have got rid of an uncollectable debt. What do you think?

Hi I will be claiming back credit card charges from Lloyds for an old TSB credit card. I will be claiming interest in restitution. For the interest rate do I use the Purchase rate or the cash rate? Regards

Hi I have a CCA from an old secured loan with igroup. On the CCA it says I have paid insurance. Can I claim this back? If I remember correctly this loan was paid off when we remortgaged about a year after this was taken out, can I still claim interest on this amount? What is strange is this form has been filled in by them, they have also ticked the box for single cover even though this CCA is for a joint loan in both our names and we have both signed it. I obviously saw it as we must have signed it and sent it back but I musn't have noticed at the time. Regards igroupcca.pdf

Hi Thanks, I think you are right, I will go for the older info first. This may also show me the extra charges over those years as well which would affect that claim. I will send the failed SAR letter and update when I get a response. Regards

Hi Now it comes to over £53,000. bcFosCISheet v101.pdf

OK, I have changed this to PDF and also uploaded the spreadsheet I have used to work out the interest. Do these figures look right? Should I go ahead and send a letter to BC requesting them now? Regards

Anyone? Do I have grounds for a refund here? The interest seems very high, would I actually have a chance of getting this?

Sorry, yes this was for the PPI.

I sent MBNA a letter asking them to refund my charges and included the spreadsheet showing the compounded interest. They replied with a standard letter saying they do not have enough information and asking me to complete the enclosed questionaire. The thing is, they never enclosed any questionaire. I rang them up over a week ago and they apologised and said they would put it in the post but I still have not received it. Is this just them delaying things hoping I will give in?

These are the pages about my insurance sale that they included in the SAR info. insurance.pdf bcPPIinterestcalcs.pdf

Hi The problem is I only have the last 8 years and the last 5-6 years the account has not been active. I therefore only really have 2 and a half years worth of active account statements. There is 9 years worth of active account which I dont have statements for. For the PPI, I had a few credit limit increases over the 9 years so cant just use the same PPI charge as the last 2 years as it would have been lower than this. BC did however provided some data which included dates of all my limit increases. I lived on my limit so I used that and the same percentage as I took from the statements I have to work out the missing PPI. If they would send me the missing statements then I would happily use those figures. For the 2.5 years that I have statements for, the PPI is £887 plus £3316 interest. On the data they sent me it says the PPI was an 'Advised Sale' whatever that means. There were not T&C's on the application form though, just two boxes to tick, yes or no. Regarding the charges. I can only go on the 2.5 years worth of statements I have and these come to £712 plus £2692 interest. For both the charges and PPI I am using compound interest of 24.9 which I read on here. I have them on seperate sheets and will be dealing with them seperately.

So something that BC did provide was a breakdown of the dates my limit was increased. During the years that my statements were missing I was basically permanently on the limits of my cards so by taking the limit as the balance and working out the PPI figure using the same percentage rate as on the statements they sent me I have put together a spreadsheet of the whole 11 years. The amount I paid in PPI was £3004. If I use 24.9% compound interest the figure goes to £39,227:shock: I take it I would never get this figure so what would be the best way forward?

It was a form that I filled in and sent by mail. This was in 1995. There were just 2 tick boxes saying yes or no to PPI. There was nothing explaining the benefits or restrictions etc.