enaid Thanks for your swift reply. I tried to pay the loan off early but then got hit with paying up the insurance in full for the entire length of the agreement. All in all this would meant paying about three thousand pounds more than the original loan.

dx100uk Thanks for the advice, can you point me in the right direction for a link to the templates for ppi.

A couple of years ago i took out a loan with black horse to pay off spiralling debt but in order to secure the loan I had to agree to the loan insurance. When I told them I didn't require the insurance they withdrew their offer.Can i make a complaint as at the time desperation and pressure from ceditors forced my hand and now pay a hundred pound a month in insurance i don't need.

Thanks guys Sent off my response today saying pretty much what you advised. Just to set my mind at rest i rang the branch and asked them about my account and they found it within 30 seconds, but then i was told that it was neither open or closed (eh!) I was then put on hold for about ten minutes, i got bored and hung up.

Well i received a letter from Edinburgh today and i'm fuming!! I'm sure this is just a delaying tactic but they have sent back my letter, telling me that with the information supplied they are not able to trace a closed account even though i put the account No on the letter (couldn't remember my sort code at the time). I sent this SAR to my old branch which should have been a clue as to the sort code, I also put on my Mortgage acc. No (which is also with RBoS) just so there was no confusion about my address details. Where do i go from here? do i have to send the SAR again or have i got grounds to complain to the Information commissioner? I have now phoned the branch and asked for the sort code (yeah it was that hard) Grrrrrrrrr:-x

Thanks Hydra I've still the best part of two weeks to go until the deadline is up, so i guess i'll spend the time reading the forums and FAQ's. You know what they say, knowledge is power.

8) I wonder if anyone can give me some advice. I sent off my SAR (recorded delivery) on the 20th Feb at the same time my wife sent off hers to Natwest, she receives her statements within 10 days so i thought i would chase up mine with a phone call. The branch then tell me that they are no longer dealing with "these letters" and that they are being forwarded onto to customer complaints in Edinburgh. I then phoned the number given and after waiting for 30mins supposedly in a queue i was told that because my account was closed they would not be able to tell me if my letter was being dealt with and would have to wait for a letter from them. I then asked when i could expect this and was told it could take eight weeks because of the backlog. So do i wait the 40 days until the deadline expires and have them tell me they haven't received it, meaning i'd have to resend or do i then have grounds to complain and start court proceedings?

Having just registered onto the site, i'm looking forward to being in a position to reclaim the money i've lost over the years and passing on my experiences to others.