hello everyone hope you can help Ive been a lurker for a while - and been following advice without needing to post anything - so far until now ( thank you to all as you guys are amazing at what you do, especially helping noobs like me ) Anyway I had a simply be account and got into some arrears - the original credit limit was £350 but with added charges I ended up paying back over £1200 - have just finished paying the amount back and wanted to claim back admin charges and insurance added on to the account. Sent away for a SAR with the fee - and have today received a large pack of documents with recordings. Thing is - the pack seems to literally be loads of screen shots from their system I imagine - and I cannot make heads or tails of it - I was expecting to see copies of collection letters or arrears letters - or statements even notices of defaults but nothing- literally nothing about going into arrears that I can tell is this the usual things they send out ? it is data on purchases etc How is someone who does not work there suppose to figure this out ? also the account was opened in 2011 and I have seen in the insurance section of the pack it says - insurance opted out 2012 does this mean that I only opted out of the insurance in 2012? thanks for your help in advanced vol