Hi Caggers!!! Once again I'm back with another claim for Default charges on BPF's loan. Briefly info about the loan, I took a digital camera on finance from Jessops in new year's day of 2008. The finance was facilitated by Barclays Partner Finance. The duration for a fixed-sum loan agreement was 47 months (28.8% APR) and my first payment was due 12 month after the advance date. In 2013, I received a letter from DCA demanding a repayment for a 3 figures debt. I then send then a letter that I'm not aware of such and such date and if then want to pursue it they must provide me with all relevant details regarding the debt. To my knowledge this loan was finished in 2011 and even the direct debt was cancelled after a 47 months from the advanced date of the agreement reached. Then the DCA provided to me the loan Agreement signed copy. I sent them another letter demanding statement of the account. I then send them CCA and SAR followed but in all attempts were unable to provide me a account summary. It was like funny game for 2 years, once they send me a letter; I kept remind them account summary then they go quiet for few months and repeat it again. I even SAR Barclays to get access for the account summary which was unsuccessful attempt as well. After I notice the damage their adverse note cause on my Credit file I reported them to FOS. Finally after 8 weeks I received the account summary and I was shocked. June 2008, the Direct debit failed on the due date, 2 day later I was charged £20 for Unpaid DD/cheque chg, then 2 days later BPF made another attempt to collect the unpaid Direct debit which failed again. 3 days after the last attempt I was charged for default sum L1 and default sum L2 after 6 days later. As you can see in a space of 13 days I was charged £65. As that is not enough, the followed 12 months I was continuously charged £45 as Default sum L1 and L2 despite of the Direct debt collected on the due date in each month which resulted £605 added in to my debt. I have already sent BPF a preliminary letter and LBA , and received no response from them. So tomorrow is due date to file N1. The experience I gained last year through @Slick132 and @SabreSheep support, I decide to start this thread for benefit of other and seek more support in this journey. I will shortly up load a POC draft for this matter and you are all welcome for any contribution. Kind regards ewgm

Hi All In a nutshell, I discovered PPi on my Barclays overdraft, when i complained to Barclays they told me that i had been paying the PPi since October 1998. My O/D is 2.5k and i'm £0.80p per £100 O/D so with my O/D being used every month i'm paying £20 per month. My O/D hasnt always been 2.5k so in the past i will have been paying less per month. This was quite an unexpected find so i just let Barclays deal with my complaint and i didnt send a SAR letter. Barclays came back last week and said that they uphold my complaint and will refund me £2045 plus £755 interest totaling £2800. So ok i wasnt expecting this as i had no idea i had the cover and i had just stumbled across it going through statements, so i'm happy with that. However, reading on Barclays then say they are taking £145 from the £2800 for a previous successful claim i made on the policy. This is the policy i didnt know i had, when i called Barclays they told me it was a pay out made to me from October 1998 to May 1999 as i had made a claim when i was made redundant. This amazed me as for one i didnt know i had the cover and two i have been in a job all my working and have never been made redundant. Not getting anywhere with Barclays insurers i sent an email to the new chief exec of Barclays Antony Jenkins letting him know my frustrations and it wasnt until my second email that a member of the specialist complaints team came back to me and said she would get it sorted. Well a week on its still not sorted as the insurers are saying they have made payments to me in 1998-99, i have told them to get me the claim form as i know for a fact there wont be one and guess what they have told me it will take 5 to 10 days to get. I know its only £145 but heck its the principal how many more people do they try this on with, so frustrating and Bralcays just stalling at every opportunity.