Just had a cheque (much lower than expected) they have refunded the premiums plus 8% and have not factored in the Credit Card APR at the time. Is tis right? Thanks in advance!

Hi It's been a while but after RBS refused to back down when FOS upheld my claim back last year, FOS said it would be passed onto someone higher up in FOS (normal practice apparently). I have been waiting and waiting, not really expecting a favourable outcome, then today had a letter off FOS saying that RBS will be in touch with an offer! So excited - please anyone who thinks its not worth the hassle it really is. Will let you know how much as soon as I know.

Hi I will give it another go and write to them again insisting the same - nothing to lose. Will keep an eye on your thread and update on here if I have any news.

Thanks - that's the address I used and they say they do not recognise the account number - I don't have the agreement you see just my bank statements :0/ I had a very easy experience with Lloyds and had £12K back within 8 weeks - now it's my turn to get stuck. Good luck with yours.

Thanks for the reply, very interesting - what year was your agreement and are you persuing it, if so do you have an address for whoever is dealing with it.

Hi Okay it did seem like a long shot. Many thanks for your reply.

Hi I've decided to try and claim the PPI attached to an old Sharps Bedroom Loan. I took out the Loan at the end of 1999 and paid it off using another loan in 2003. I have no paperwork but am sure that it contained front loaded PPI. All paperwork for the loan was done in my home by the Sharps Bedroom Sales man. It was for about 10,000 and was over 10 years. I have all my old bank statements showing the DD leaving my account each month, stating the account number and First National Bank. I've tried to establish who is now dealing with these old loans and thought it was G E Money Home lending in Watford but they have written back saying they do not recognise the Account number. Any suggestions anyone. Many thanks

Thanks for the advice. Fingers crossed!

Hi I have written a long letter, quoting the information that I have found and also reiterating my reason why I should have never taken out PPI. I've addressed it to the CEO and have told them that I expect a reply within 14 days. I have said should they further reject the claim I am already getting things in order not to delay my appeal via FOS. My letter goes like this:- I am not happy about the rejection of my genuine complaint and I feel the complaints section are not taking it seriously, and I would like this matter to be looked into further before making the FOS route official. Please let me know the outcome within 14 days of the date of this letter, otherwise I will be taking further action to get the matter resolved. I have already made steps towards further action and I have been advised that as the application form states “strongly recommended that payment protection insurance (PPI) is taken out” FOS will take the view that it is “advised”. The actual wording FOS has used is:- “Although these are usually non-advised sales, as the application stated “we strongly recommend you take out this PPI”. We were satisfied from the consumer’s account of the sale that he had placed some weight on this – and so we concluded that the sale was advised”. You’re the one selling it; therefore you’re the experts, not me. As stated on the telephone with your department earlier this week, I always believed, up until 2007 when I cancelled all PPI’s, that I held at that time, that they were not really an option and were in place to protect you the lender and not there for me. I would have believed that my application for credit would have been denied, so ticked the box, upon your recommendation and therefore to help my application. Nothing on the application states”optional” either. I would not have understood that this was very expensive; the cost associated with the Card Protection Plan is not indicated on the application. Even more importantly I would not have understood that as I had suitable cover I would have never been able to claim on it anyway; as I have stated in previous correspondence, my employer, who I remain with till this day provides a very generous benefits package. I have also given you permission to contact my employer for verification. I will be posting the letter on Monday, should you think I should add anything further please let me know. Thanks for your response so far.

Hi will reply to you fully tomorrow but the information I found is here:- http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi-our-approach.html Scroll down to case study 5

In 2007 I cancelled all PPI from any credit I held as it was only then that I realised they were in fact optional and more importantly, due to my generous employment package in a job I still hold today 20 years later, they would not have paid out anyway. I have tried to claim back the PPI attached to my RBS credit card taken I had 2002 to 2005. Yesterday I received the rejection letter stating largely that it was sold on a Non Advised Basis. I took it out via a postal application sent to me. The PPI box had to be ticked - the wording by the box said strongly recommended that payment protection insurance (PPI) is taken out. I have been reading FOS online PPI resource "our approach to payment protection insurance (PPI) mis-sale complaints" and it states, when talking about internet or postal applications:- Although these are usually non-advised sales, as the application stated “we strongly recommend you take out this PPI”. We were satisfied from the consumer’s account of the sale that he had placed some weight on this – and so we concluded that the sale was advised. Knowing how little I knew about the "why's and wherefores" back then and as it was during the application stage this would have made me think that my application was dependant on this. Any ideas what I do next? Thanks in anticipation.

I am in total shock! April 2013 I reserected my case against LLoyds re C/C PPI (did start the ball rolling in 2007 but gave up) and this morning I have checked my bank balance and nearly £12K has been deposited. Cannot tell you how happy I am - 2 down 4 to go.

ok lol I will many thanks

Many thanks again fort he reply. They said they will reimburse 6 months worth as a gesture of goodwill.

Hi thanks for the reply. The problem I have is as far as they are concerned I deserved the monthly defaults as I did not pay the £12 manually 16 months ago. So as I was "behind" by £12 each month it prompted a further £12 charge (16 in all)!!! Despite paying a minimum payment each and every month ....this minimum did not include the £12...it's a crazy situation and they have showed me no sympathy and will not put my credit score in order.