Hi- Looks like it is jointly "Financial Insurance Company Limited and Financial Assurance Company Limited". I have only just read the rest of it properly, and it looks like they have excluded themselves under time barring rules, but settled on behalf of the insurer.

I didn't send them the statements I already had, but they had correctly added up the PPI and added about 3 times the original amount in interest. Feels about right and since it's not a lot of money I'll probably just accept it now. ( It is a Santander letter but says it is being settled on behalf of the insurer.)

Hi, For info I claimed successfully using the reason above, the FSA handbook page 149 gives a specific suggestion around this, Rob.

Hi, Well most of the other claims seem to be where it was a pressure sell in store. I could submit a sar and see if they have transcripts of the call or a form signed in store,, but was hoping to avoid that if people thought this was good enough as I have it in writing they recommend it to everybody and therefore advised my wife to buy it without checking out her other circumstances. (I'm guessing the answer isn't going to be positive ) Thanks, Rob

Hi, Was contemplating a Mis-selling PPI claim against Debehams for a mid 90s account for my wife. I have the original letter which shows it was sold over the phone a few weeks after the account was opened. I think makes it clear that she can cancel at any point and encourages her to read the terms and conditions, so initial reaction was no mis-sell. However. having read the letter again it closes saying (paraphrase) "we encourage all our customers to take this good value insurance" Clearly the insurance wasn't suitable for everybody, and in my wife case she had alternative insurance. So given this will be painful (Santander then underwriter etc.) wonder what people thought the chances of a successful claim were, giving the misleading statement at the end Thanks Rob