A bit of an update.... Apologies for the length of this post, but I thought it would be usefull for other members to see the letters. Anyway sent Barclaycard my LBA including a gentle reminder that they had not yet fully complied with my S.A.R - (Subject Access Request), they only sent statements, nothing else . Yesterday I received the following fob off letter claiming to be thier final response.... Am I right in saying this is a fairly standard response? How should I play this now? Should I send them another letter highlighting the fact I never received any policy documents, before putting a court claim in? Also, they have still not complied fully with the S.A.R - (Subject Access Request) request, the deadline was Monday 21/01/2008 (which included 2 extra days for xmas!). I sent them the following letter on Tuesday 22/01/2008..... What I really want from them is copies of the alledged correspondance relating to the PPI and the transcript from the supposed sales call. I am more than happy to go to court over thier failure to comply with the Data Protection act, but I do have concerns going to court about the PPI, only for Barclaycard to produce correspondance/transcripts in court. I know proof of postage is not proof of receipt, but how would the judge see this? I look forward to your help???

Thanks for the response hellhasnofury, I'll keep everyone informed on my progress. Regarding point 4, if they claim they don't have statements going back to 1993, how do I work out what they owe me - or is that their job. Cheers,

Hi all, Thanks to the info on this site, I have successfully reclaimed £5000+ in bank charges from First Direct and I am now going after Barclaycard for PPI. I opened my Barclaycard account in 1993 and according to them PPI was applied in 1994 after a telesales call, of which I have no recollection. I never received any PPI correspondence or T&C’s then or since. I wrote to them in November requesting a refund of the premiums and I got the basic fob of letter saying PPI was added at my request. I have sent a CCA and S.A.R - (Subject Access Request) to them and they have sent a copy of my original credit agreement and copies of my statements going back to 2002. They sent no telephone call transcripts and the last line of the letter states that this is all of the information that they hold on my account. The CA clearly shows that I did not tick the PPI cover box in 1993! I’m about to post them my LBA and a schedule of charges (totalling £2050), but I have a few questions. 1. Do you think I have a case for mis-selling? They clearly added the PPI without my permission. 2. Should I include/add contractual interest and at what rate? Is the norm. 8%? 3. Can I claim beyond 6 years i.e. all the way back to 1994? 4. Should I believe that they have supplied all of my data and that they do not have telephone transcripts? Can they produce them at a later date (i.e. Court) despite the letter stating that the statements and CA is the only data they hold on me? 5. Should I go down the court route or to the FOS first? Looking forward to your help and any other advice you may be able to give.

I look after my cars and I paid for a new car which was perfect, I now have a car that has been repaired and will never be right. If I wanted a car with re-sprayed panels, I would have bought a second hand one and took that chance. They have only repaired it once (poorly) and have admitted they may not be able to get the pans to match nor have a factory finish. Why should I accept that - I now have drive around in a car that has obviously had parts re-sprayed and when I come to sell it/part ex it, you can bet a sharp eyed salesman will see it too! thus valuing it lower! I had planned to keep the car for a good few years, I now want to get rid of it and to do so wll cost me! Why should I be put in this position by someone careless actions.

Last October I bought a brand new Honda Civic and in February this year it went into a Honda main dealer to have the fuel filler cap assembly replaced (Honda Recall). When I went to collect the car, they were very apologetic and said they would need to keep the car for a few more days, as the fitter had damaged the paint work whilst removing the filler cap assembly. They ended up re-spraying the rear passenger side quarter panel and rear door. As you can imagine I was not happy they had done this to a 3 month old car! They gave me £300 worth of accessories and that was that - or so I thought. At the beginning of June, whilst walking back to the car late at night, a friend of mine pointed out the rear panel and door are a different shade (darker) to the rest of the car when viewed from a certain angle. The next day I called the garage and they were not to helpful, they said how come I did not notice it before and that because I had accepted the accessories, it was the end of the matter. After a lot of arguing and me pointing out the fact whatever the say the car was perfect when it first went into them and the panels they re-sprayed are a different colour, ultimate responsibility lays with them. Anyway they have now reluctantly agreed to sort it out, but are dragging their heals in getting it booked in. I'm at the point where I want to take this further; they have devalued my car and ruined the experience of owning a new car for me. Do I have a case to seek considerable compensation (though the small claims court if necessary) or can I demand they replace the car, as I feel they can never get it back to it's ex-factory condition. Any advice would be welcome.

It may take a while, but they do pay out in the end! (2 days before the court date in my case!) Good luck

Another long term lurker here and another FD success story!! Started my claim for £4000+ nearly six months ago and 3 days before the court date, FD paid up! So those with claims ongoing don't lose faith - keep persevering.

RamSC427, I'm at a simillar stage to you, last week I got a letter from my local court (Romford) asking me to pay £100 for the allocation. I went along yesterday to question this and they told me that despite the Northampton Judge (prior to transfering to Romford) dispensing with the alloaction questionaire, I would still have to the £100??? I paid it anyway to get things moving. I left my court bundle with them - good job I did, as when I got home there was a letter with the court date!

Hi Tiffla, Just about to send my bundle to DG, did you send a covering letter? I've got 27/07/07 as a court date and they have allocated 10 mins! So I assume the Judge does not expect DG to turn up.