thank you dx, the new title looks good!! I will certainly be donating as soon as the cheque has cleared as your help was very much appreciated, proof that you don't need to go to these claims companies to succeed, there are people like yourself willing to help and advise, taking up a lot of your own time, sorry for all the questions but we got there in the end!! p.s. I have a couple more to dig out before the deadline

thank you so much for your explanation, I think I understand it now

thanks, my cisheets were previously dated to feb of this year, so the calculation was showing much much higher, you earlier corrected me that the date should have been the point that they stopped charging me so i changed it to apr 2015 and got down to nearer what they have offered....... however with the date changed to apr 2015 the cisheets combined add up to £10,234.49, where they have calculated £7,405.95 (section B on offer photo)........

I originally did them individually for each time the interest rate had changed, I understand now I should have used average, the missing months are statements I cannot find in my files and were not included in the sar, I've attached the offer -

thank you for your reply, i have changed the date on the cisheets to 22/04/2015 which was the point that pbp was cancelled on the account, it still amounts to more than they have calculated....... I haven't done a statint sheet 24012001-23092004 int 1.583 per month.xlsx 23102004-23122005 int 1.666 per month.xlsx 23012006-18092014 int 1.873 per month.xlsx 20102014-22042015 int 1.870 per month.xlsx

Hi, I have had to rejoin under a new username - this is my original thread to cut a very long story short, Barclays have sent me a cheque for A. refund of all monthly payments made to payment break plan B. refund of interest charged on pbp and account fees C. 8% statutory interest compensation D. refund of fees incurred due to pbp E. income tax deduction whilst I am happy that they have upheld my complaint, I thought that I would receive compound interest.......the compound interest spreadsheet calculation was almost double the offer. Does this sound right in your opinion? thanks in advance Disco_V_rescue

Thanks dx, I still haven't got round to submitting my claim yet, was just looking for some advice from someone that has succeeded with the same scenario, perhaps Colli52 could answer on my thread Thanks in advance

Hi Colli52, Congratulations on your success!! I am also owed money from payment break plan, my credit card was Providian then Monument and now Barclays. I am interested to know what your original letter to them contained, did you include details of your employment at the time? Did you provide them with a figure of money owed to you? Did you send in the questionnaire? Or did you simply just ask them to look at your account? Sorry for all the questions but I have been meaning to sort mine out for a long long time but still not sure how.

Thanks again dx

Thanks dx are there any cover letter examples anywhere please

no not yet, barclays sent me one of their questionnaires but you advised earlier not to use that one

thanks dx once the CIsheet is completed, what should I do next? also will the 8% interest apply, if so how do I calculate?

Oh I see What can I do about the earlier missing statements, despite the account being opened sept 2000, the earliest statement they have sent is aug 2003, of the 34 copy statements missing I only have 7 originals myself

Thank you - monthly interest rates converted gives me - (compounded) - 20.74 21.93 24.94 24.9 92.51 divided by 4 = avg of 23.12 (non compounded) - 19.01 20.01 22.5 22.46 83.98 divided by 4 = avg of 20.99 should I enter 23.12 compounded or 20.99 non compounded? sorry for all the questions but I want to be sure its correct