Hi Everyone, Just looking for a bit of advice so thought this might be the place to come.... I took out a Monumnet card in 2004, and unknowingly payed their infamous 'Payment Break Plan'. I have tried to claim back the Payment Break Plan, but they have only offered me back the last 6years money. I have sent them a SAR and like others on here have received the last 6years paperwork, a copy of the original 'reply' card - not the signed credit agreement, and a copy of up to date terms and conditions. In their terms and conditions it states that if the payment break plan is required it needs to be added on via the call centre or in writing, neither of which I did but was added anyway! I had also called Monument and asked about removing the Payment Break Plan but was told they don't take it off! I discovered this was a lie when in 2009 I called to make a substantial payment and advised I would be paying the balance by the end of the week that the advisor said she would remove it! I have appealed to the FOS but so far they are about as much use as a chocolate teapot and have upheld the offer from Monument. My argument is, if they cannot provide proof that I originally added it on (which I didn't), how can they refuse to refund my money?? I have now also found statements going back to 2005 showing the plan, but the FOS has said these are irrelevant until they find out if Monument have proof whether or not I added it on - which no doubt they'll say they don't! If they say they haven't got proof that I added the plan are they liable to refund my money? With SAR should they have sent me a copy of my signed credit agreement and terms that were applicable at the time? Sorry it's been a long post but i'm losing patience with them at very rapid rate!!!