Thanks again for your help. I do have most of the monthly statements back to 2001, which clearly show the payments i have made. is it too much of a risk to try and take it to the next stage though.

No i did not submit a spread sheet with my letter, but they have sent one with this final response showing the payments for the last 6 years. I phoned them today to ask why they only offered to refund the last six years to 2006 and they said that by law they were only required to keep data for 6 years, and this was their company policy to offer a max of 6 years.

Many Thanks for your help.

Can anyone offer any advice, i contacted monument with regards to payment break plan which had been added to my credit card since 2001. i have worked out that i have paid over 11 years a total of £2650 to this plan plus the interest which totals approx £3,300. i have today received a final response letter from monument confirming that i have subscribed to this plan since jan 2001 but they are only prepared to offer me without admission a refund of these fees plus interest for the past 6 years, as this is their company policy. The total refund offer is for £1,990 including interest, which i believe is probably about £1,300 short of what i have actually paid in including the interest charged. My question is should i accept this offer or should i take it to the FOS, and chance losing the offer if they dont find in my favour. Does anyone else have the same sort of offer and if so have you taken any further action