Hi all, First post here, nice to meet you all. I bought a brand new car in 2003 for 13k, I laid down 4k for a deposit which left 9k. On top of that charge I somehow paid £1463.52 in HP charges? I have sent the initial letter to G.E Money which is now santander, I didn't receive the response I was hoping for. "Thank you for your letter dated 27th February 2012, regarding Payment Protection Insurance (PPI). We have investigated your complaint fully and enclosed our complaints leaflet, which explains our procedure for doing this. After checking our records, I can confirm that I have been unable to locate any credit protection insurance or payment protection insurance (PPI) sold by us, for the agreement." Any ideas what to do next? I have the agreement in hand. Many thanks Chris