Hi all, I am trying to help my sister to claim her PPI and Charges from her Argos card. The account was opened 2003 and had PPI and also incurred some charges. She operated it until 2009 but ran into financial difficulties. The account was closed then sold to Lowell this year with an outstanding balance of appx £800. She requested for a copy of CCA + SAR which are all with her now. She realized that she had PPI all along was charged a total £310 in premium. There were also quite a few late and over the limit fee totaling to £250 added to the account. When she requested for refund, Argos said as a Good Will Gesture, they are prepared to refund her about £530 in total. This includes the interest of approximately £220. When asked how the reached this figures, they are not explaining anything. There has been a few exchange of letters and Argos wrote their final letter and stated that the amount they are willing to refund is £530. LBA went out but their position is the same. I would like to help her claim this charges plus the PPI back and would need help as to draft a particulars of claim. Lowell is now threatening with court action too, so urgent help is needed please. Is there any Argos case I can have a look at? I will pick up some of the papers from her and post them up later on. I will also get the copy of CCA sent to her and post it up, so that you can have a look at. Thanks Dot I do not have the final letter yet but will have it by tomorrow. Could some one kindly have a look at the CCA for me please. I tried to load them under one file but failed. Thanks Dot Below are the spread sheets for both charges and PPI. Could someone please have a at for me to see if I have done them correctly? Could someone also tell me if for claim they have to be combined? Thanks Dot Could someone please direct me to where I can find a particular of claim to use for this case.