This was PPIbtw and not bank charges, thought i'd add this to save confusion as its been moved to here.
Not in court but still won.
Sent 1st letter 8 weeeks ago to the day saying I was didnt want it but was persuaded + I was self employed
They Replied saying you knew what was included, was explained etc.
Sent 2nd letter asking for full list of differences between self employed and employed cover and quoting the missreprasentation act thingy, also threatening to use anything sent as evidence in court.
Today day 56 get a letter offering full refund in the way of £1004.70 clearing arrears on the loan and a cheque for £700, balance on the loan is £2100 so i'm going to ask them to take the lot from the balance and pay the rest off next week. No 8% but tbh i'm in no position to wait any longer and with extra late charges and stuff this is the best way.
No admission of liability just on a goodwill basis.
Thanks to this site and the other which i'll thank in a mo. This will make such a difference. contributionon the way next month.
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