yes but if Barclays had replied yes to my application I would have no reason to complain FOS and also when Barclays reply no (and I have no knowledge of paying PPI) why would I then complain to FOS and if I do make complaint to FOS I will be approaching them directly and not via a claims company Basically I applied got an no, 2 months later when claim company apply its ops we owe you £xxx and sorry here's £50(put it towards your 300 pound fees) good will payment now go away.

thank you ..yes I did get such a letter and im thinking along same lines. might name Barclays as defence witness. was wondering if anyone else has been in same road

is this what you advise everyone to do???

Asume credit managment company cant dump them

Hi and thanks yes i instructed brunel franklin but only after barclays had told me id never paid ppi and they dint owe me any thing

WHAT DO YOU ADVISE I wrote to Barclays using a template letter from moneysavingexpert and got a no we don't owe you anything. a few months later gave my account details to Brunel Franklin who also got a no. then a couple of months later got a opps we made a mistake we owe you £800 plus 50 as a goodwill gesture from Barclays. cc Brunel Franklin. Now then if Barclays had been honest/done there job brunel franklin wouldn't be in the frame and wanting best part of 300 notes from me. secondly Barclays have paid the money into my defaulted account and I don't have access to it. so I would have to pay them from my own pocket. tempted to offer BF the £50 Barclays gave me as compensation and say well I applied before you. what do you advise people ?????