okay so here goes and i apologise if i dont explain this very well and i will clarify any details if someone can help. I took out a loan with RBS last march and have recently came across the paper work for it. .. on the paper work it states that the monthly repayments should be 388.79 however every month they have taken out 389.62 ( which i understand is a paltry difference but at the same token they are willing to charge excessively for bank charges etc) so i suppose my question is wether or not this loan would be enforceable??

no paper work for the old loans as they were simply refinanced.... in febuary this year and november. they were done over the phone 1 signed for in branch and other by courier delivery. should i send a cca?? all so new but dont want to be shafted by fat cats in suits or people forced to bolster their wages by commission ppi sales. Seen alanah had similar problem hope maybe she could help too??

i knew about it being added . Had told the woman that sold it that i was covered for six months of being off sick and was advised to take out the ppi. How would i go about claiming the ppi back for the old loans that have since been refinanced. thanks you guys all seem so knowledgable feel lost.

Dont quite know where to start with this thread or if am even in right place. i took out two loans in 2006 and have since took out more funds on the loans... It didnt occur to me till the most recent loan that the ppi had been added as a lump sum and interest would accrue on this amount. so the questions are these. 1. can i claim anything back on the old ppi? 2. can i cancel the recent ppi? 3. will i recieve any kind of refund from the recent ppi? i feel that i have been cheated with ppi as it was my understanding when purchasing it that it was like any other insurance and paid monthly rather in one lump sum. the loans are with RBS and BOS. DO i have a leg to stand on?? any info greatly appreciated