Now i got my credit card in 2004 i think and i tried to cancel the PPIicon in 2005 and the sales person basically refused to do it and said i'd be silly it would cost me more to cancel it

I wrote the standard letter and got a flat:

1) you requested it of you application form (erm applied over the phone)
2) received a full Policy document with t&C
3) had a 30 day cooling off period - wasn't told about this i'm sure

What letter can i write now? they were fined for mis-selling

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