Thanks for the tip Dazza. Can't hurt to try.

It's quite a long story so I apologise now for that. Maybe it will help someone else out there though. I found that I had PPI on my account in 2006 and cancelled it. I didn't know I had it before that time as I was an idiot back then and didn't open my statements for years because I was scared of my balance. I just kept paying the minimum amount and kept my head buried in the sand. In 2006 a good friend told me some home truths about my debts and made me sort myself out. So I cancelled the PPI when I opened my statements and found it. then I went into an arrangement with Barclaycard where I would pay just 1% interest. This was then restored to normal interest in January this year as my balance is now £650 and I am no longer in difficulty. Anyway when all the PPI thing blew up the the media it struck a chord with me because I couldn't remember that I had applied for it or discussed it with anyone. So I wrote to Barclaycard asking for a copy of my original application. They sent me a copy of the form I signed in 1991 when I opened the account. There was no mention of PPI anywhere on it. I then filled in the PPI questionnaire and sent off my complaint in January last year. By the end of July last year I received a rejection letter from Barclaycard claiming that I had ticked the box on the postal application form. This did not concur with the copy that they had sent me. My Card was upgraded from a standard card to a Gold card some time around 1998 give or take a year. They asked me and at the time I thought it was a good idea so I accepted. I still have no recollection of PPI being discussed or applied for but I wonder if it was at this point that it was added. After the rejection I sent a complaint to the FOS in August last year. In November they called me and said that Barclaycard would make a goodwill offer of a full refund of all PPI payments plus 8% simple interest. I was very pleased with this outcome. In January this year I received a letter from the FOS confirming what they had said to me on the phone in November. Then I heard nothing until this morning (7th March) when the letter arrived from Barclaycard with the offer. Sadly two years ago my Girlfriend made me get rid of a load of stuff I was hoarding when we moved in together. This included shreading all the Barclaycard statements I had saved over the years. In hindsight a very bad move. I remember the last PPI payment I made in 2006 was around £25. My card was always maxed out and they kept increasing my limit. Sadly I cant prove anything now! Today's offer was as follows: Refund of PPI Payments: £1217.28 Refund of interest charged on premiums: £237.63 8% simple interest: £863.49 Total: £2318.40 I'm sure I'm due more than this but due to the big shred-fest I haven't a leg to stand on so I guess I should be grateful for that! Lessons learned: Keep your records because you never know! Open your statements and study them! Don't be afraid of your debts, free help is available, do it now! Read everything (even the small print) before you sign it!