Thanks for the swift reply. The PPI is only on one card - Barclaycard VISA which I have had since 2000. The only breakdown given is shown in my previous post. Originally I only wanted a repayment of charges made after I had cancelled the policy. They have made the assumption that it's a PPI complaint.

Please accept my apologies if this thread is in the wrong area. This is my very first post so bear with me... I have held two Barclaycard Visa/Mastercard credit cards for over 12 years. I recently came across your forum through tweets. I decided in August to email Barclaycard to ask "Why they have been deducting PPI aka Optional Payment Protection from my Barclaycard VISA account especially as I clearly remember sending a letter asking to cancel pre 2006?" I also said that I will be claiming back my charges for all the overpayments. They were quick to send me an email but it did not answer the original question they apologised for the error and said that they would rectify the mistake. I sent another email as I was unhappy with the response. I thanked them but asked them to confirm if the message sent were a standard response as yet again they failed to answer my question. This time I asked them for copies of all my statements for the past six years as I know for a fact I definitely cancelled before then. After that they wanted to call me, due to the nature of my work I'm not allowed to take personal calls or switch my mobile on. Unfortunately they were unable to reach me so they sent a letter stating that this matter will be referred to the PPI Complaints team. I received three letters, two stating that they needed more time to solve query and one letter asking me to fill out a FOS questionnaire (they failed to enclose said questionnaire). To be honest I forgot about the query as I assumed they were messing me around. I just returned home tonight to find a letter from Barclaycard stating "My understanding of your complaint is that you feel you were mis-sold Payment Protection Insurance (PPI) having reviewed your complaint, we are not satisfied that the PPI policy was suitable for your needs...blah blah..As a result, we have upheld your complaint." WTF?! *excuse my french* They would therefore like to place me in the position I would have been in had the PPI policy not been added to my credit card account. They offered a full refund of the insurance premiums paid together with interest paid on premiums plus 8 per cent per annum simple interest plue a refund of default charges and interest on those charges. Breakdown as follows: Refund of payments made by you for PPI cover £1126.31 Refund of Interest charged on PPI Premiums £1369.65 8 per cent interest per annum £369.43 Refund of default charges and interest £24 Total refund payable - £2889.39 The letter is dated on the 11th September and they have given me 10 days to return an Acceptance Form. They claim that this is their FULL and FINAL settlement. They also state that they are not required to retain statement information for more than 6 years and they have calculated my payments made since 2005. They said they would be happy to recalculate if was able to provide statement information for prior to 2005 (unfortunately I cannot). At the end of the letter they are telling me to tell HM Revenue & Customs that I have received a payment from them. They said if I am unhappy or remain dissatisfied I am entitled to ask The Financial Ombudsman Service to review this complaint. Phew...What do I do now? Should I take the money and run? Ideally I would like them to wipe the debt off both cards just under £4.5k and say goodbye to Barclaycard once and for all. I would really appreciate your help and I will definitely be making a donation. Thanks for your help in advance!!!