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Re: Complaint and request for return of Payment Protection Insurance premium and contractual interest.
The PPI that was added to this card and has been paid without fail every month since 26/04/2004 was missold to myself, it is obviously worthless as two claims have been made against this policy and both claims were refused thus proving without reasonable doubt that the product was not fit for purpose when added to the credit card.
I now realize following the recent OFT and FSA investigations, that you miss-sold me these insurance policies, which I did not want and did not need. I believe I signed up for the insurance under economic duress and that your actions were unconscionable.
I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.
No attempt was made to ascertain if the product provided was fit for purpose, suitable for my needs or if indeed if I really needed it at all. No inquiry was made as whether I had pre-existing insurance for accident, illness or unemployment. I was not given a copy of the insurance policy nor were any rights to cancel explained. I believe you manifestly failed in your fiduciary responsibilities, your duty of care.
Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.
I look forward to a full and prompt response to this letter and for the matter to be concluded within four weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.
Yours faithfully,
please advise if I send this to
Card Services Lloyds TSB Bank
PO BOX 13130
BN1 4UZ
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DADDIES PPI claim against card services
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