Many thanks.... In the SAR letter i asked for the name of the insurance provider...all they did was a print-off of the t&c (all of which are on seperate pieces of paper!) with no details...the address is Barclays in Dublin?!

Hello to all... I have used this site a few times for all your fantastic advice! So I hope im posting in the right place! In 2003 my partner took out a business loan with Barclays, asking for £12000.00. He was not given any choice other than 'how much do you want to pay per month'? In answer he said £200. The 'business banking manager' said no problem, 10 year fixed rate... The paperwork showed the following; Loan £12000.00 at 9.9%-total credit £6646.07 Insurance premium loan £3303.01 at 9.9%-total credit £1829.46. Repayments of £198.16 over 120 mths. He was not told the PPI was optional... he had in place since 1996 a seperate policy as he is self employed! We do not know if it is a single premium... It was not explained that he would be paying interest on an insurance for 10yrs!! I have been through a few posts and have found some great advice... But my question is.... We feel it was definatley mis-sold, but what do i need to look for in this paperwork? The paperwork for the loan is a print out from the branch and does not lay out the terms under the consumer credit act...is this right/legal?! We have sent a SAR letter and the reply was the same paperwork as i already have! So can we try for the whole PPI premium + interest paid? How does this affect the outstanding loan?? We had been looking at paying it off early but this stopped us in our tracks! Thanks for your time.x