Studio Cards PPI HELP!!!!

[Ihatebanks]

Okay Guys a bit of advice after starting out going after all my creditors for unlawful charges believe me the list is long!!
I have start looking at other halves shes really good with her stuff no charges on bank accounts or credit cards :o however she has STUDIO CARDS and on every statment has payment protection averaging £20 per month
With her permision I called them to find out what it was for and when did she ask for it,I was told that it is added to the account automatically .It covers Unemployment Sickness and accidental Damage or theft.My point to them was she is registered disabled and hasn't worked for 15 years and as we have contents insurance which would cover accident damage or theft
I sent them an email in June demanding that it should be cancelled and refunded anyway new statement arrived and there still charging it any way after a fairly heated phone call they now say its a verbal agreement they ask when you order if you want insurance there are going to pass my complaint to another department
Whats the best way forward is it the same as bank and credit cards
Nothing has been signed re insurance and OH denies agreeing verbally
Apologise for rambling post

Any thoughts

[dw190]

Originally Posted by Ihatebanks

Okay Guys a bit of advice after starting out going after all my creditors for unlawful charges believe me the list is long!!
I have start looking at other halves shes really good with her stuff no charges on bank accounts or credit cards :o however she has STUDIO CARDS and on every statment has payment protection averaging £20 per month
With her permision I called them to find out what it was for and when did she ask for it,I was told that it is added to the account automatically .It covers Unemployment Sickness and accidental Damage or theft.My point to them was she is registered disabled and hasn't worked for 15 years and as we have contents insurance which would cover accident damage or theft
I sent them an email in June demanding that it should be cancelled and refunded anyway new statement arrived and there still charging it any way after a fairly heated phone call they now say its a verbal agreement they ask when you order if you want insurance there are going to pass my complaint to another department
Whats the best way forward is it the same as bank and credit cards
Nothing has been signed re insurance and OH denies agreeing verbally
Apologise for rambling post

Any thoughts

Write to them denying any agreement regarding their PPI and insist on a copy of the agreement they refer to.

Anyone wanting to rely on a verbal agreement made over the phone would have to record the call. Ask for a copy.

based on what you say the agreement is likely to be unenforceable and the insuarance has been mis sold....