Can someone please advise me what to do next Lloyds have replied saying that because I took the policy out prior to 2005 when the sale of PPI was not regulated and they say they believe it was therefore sold fairly for the time Any help or advice appreciated H

hi dx, thanks for moving my thread, i didnt relise i put it in the wrong section sorry. i have read loads of the other threads on the site ,probley to many realy now i am confused. so what is my next step now ,should i send a SAR form to them. thanks ms

Hi Ive have received a reply from Egg saying “After carrying out a full review of your account. I have etablished that you purchased the insurance through the egg website on XX Nov 2001 Our online sales process: - Does not require you to take repayment protecection insurance as a condition of obtaining the credit card. - Does not provide an advisory service - Required you to positiviely confirm that you wished to purchas this policy during the online application - Provided full terms and conditions of the policy and requested you read them before submitting” I was unhappy with this response particularly with the use of present tense and not past tense “does NOT require you to take repayment protection…” Can you please tell me my what the next step should be as I believ that the box was pre ticked or you could not go further unless you ticked the box. I have looked on the site and seen lots of answers but after reading so many Im a bit confuse. Thank you