Sorry, but the PPI invoice for £1,492 is valid

Mrs J.B. writes: I was contacted by a claims company, the PPI Team, and asked if I had applied for a payment protection insurance refund. I gave them the details they requested, but after several months it said they could find no valid claim. So, imagine my surprise when Barclays contacted me and I was sent two PPI refund cheques. Then I received an invoice from the PPI Team, demanding £1,492. A NUMBER of readers have contacted me after being told they were due no payment protection insurance refund, only to receive one later, closely followed by a bill. This is because a court case last year changed the rules to say that if PPI customers had been overcharged commission, this was now grounds for a refund. But that case does not affect you.

Both Barclays and the PPI Team have given me the same explanation. The PPI Team asked the bank and its Barclaycard offshoot separately to check whether you had PPI, and Barclaycard replied you did not. The claims company notified you of this, but it was still checking with the bank itself. The bank confirmed you had PPI as part of a credit agreement. The PPI Team then filed your claim and you received a refund, so the invoice is correct.