its Sainsbury's Bank. • Any claim over the single article limit for one article, pair or set of articles which are complementary or used or worn together as shown in the Policy limits and excesses table for the level of cover you have selected • Any claim over the valuables limit as shown in the Policy limits I suppose as they are worn together then that why. Lesson learnt!!

Hi All Jut after bit of advice. I recently lost my pandora bracelet and 8 charms on holiday. I made a claim when I returned on my travel insurance. Limit for a single item was £300. My claim for the bracelet and charms was £490.00. They will only pay £300 as they say it was 1 item. Would you say this was correct? Charms were all bought separately over a period of a couple of years.

Thanks alanalana. I really appreciate your comments. In their response they listed all the documents they had used to come to their decision which included the duty of care checklist. He said I could have copies of all these if I wish. I have sent them a letter (special delivery) requesting this information as offered so that I can refer it to the ombudsman. I don't care that it will take 9 months. This is my last link to Nat West and will take it as far as I can. Only got 3 more loan payments then I can close my account once and for all. I have also asked that he cancel the PPI (again). I await their reply.

Had a response from NatWest. Basically get lost. State the policy was optional and I signed the forms to accept this. Yes I signed the forms because I was told I had to have it. They say the member of staff filled out a duty of care checklist to state it was explained to me??? Just becasue they fill out a form doesn't prove it was fully explained. I am going to persue a complaint through the Ombudsman and will request copies of all this documentation from Nat West. My question is - In my initial letter I asked them to cancel the PPi. This is not mentioned in their response. Do they have to cancel the PPI even thought the loan has now been running for a couple of years.

I have just started my claim against Nat West for PPI on a loan I took out in October 2005. (I successfully claimed back over £3000 in bank charges last year and have had nothing but hassle with this bank ever since). I arranged the loan over the phone with my local branch. The guy never mentioned PPI but when I received the paperwork to sign they had added it on to the loan. I rang to query it but was basically told I could not have the loan without it. I needed the loan so signed it. I recently wrote to them saying I beleive the PPI was missold and requested they cancel it immediately and requested a refund of all PPI I had paid. I only have 4 more payments so it adds up to quite a bit. They have replied today and asked me to fill in a questionaire before they will look into my complaint fully. Is this just a delaying tactic? has anyone else rec'd one of these questionaires. Do I need to fill it in to proceed with the claim. Any help would be appreciated. Jane