Hi I rang them up as I was confused about it being rejected. They said Payplan were only regulated by them last year? They were very helpful tho and eventually agreed it was not sold initially as PPI but a membership scheme that is similar to PPI. They are investing it and are requesting bits from Payplan so will have to sit tight and wait for the outcome! Thanks Lee

Hi guys After some help. I have heard back from PayPlan about the cover my life and cover my payments schemes. They have agreed to refund the cover my life scheme as they had no record I even signed up to it but are not refunding the cover my payments as they say I was given all the information and 14 days to cancel it when I took it out. My argument was that I was not disputing taking it out but the fact they told me I needed to have it in order to get my creditors to agree to a debt mangement plan. I have put it on to the FOS who have written back and said that they cannot investigate the PPI policy (I never said it was a PPI policy but one in disguise!) as it was sold to me before the date when 'all this business became regulated'. I signed for the policy in Feb 2007 that doesnt seem like a huge amount of time to me. Any advice on where I go from here? I am still annoyed about paying into something I didnt need, never used and made no impact on reducing my debt. Thanks Lee

Thats great thanks Lee

That would be great thanks, they have already agreed the cover my life was mis sold as I didn't sign any paperwork for it. Hoping they will just repay it but want some evidence if I do need to go to FOS. Is the 8% interest on repayment a standard thing as see that seems to be on most repayments? Thanks Lee

Hi dx100uk Thanks for the link, I have searched the ref numbers on the FOS site but they dont come back with any results?

Hi SilverFox I have searched the above ref numbers on the FOS site for evidence but they dont show up at all? Ive managed to find the one DRN5870785 which proves the FOS investigated the payments as an insurance policy but wanted some evidence that they found in favour of people claiming against PayPlan. Thanks

Hi I am in the process of waiting a decision from PayPlan about my cover my payments and cover my life schemes I entered into during my payplan agreement. Do you have the ref from FOS for the successful claim against them in case they try to decline my claim please? Thanks