No, we don't have the policy booklet as his wife took all the papers with her when she moved out. We sent off for a copy of the agreement (£1 as per Martin's guide) and received the policy wording for one of the insurances but not the one which included the Marital Breakdown cover. Should he ring them perhaps? UPDATE Just found a copy of an old agreement which includes all the Creditcare Insurance Policy wording and Marital Breakdown Cover will pay the montly benefit for a maximum period of six months or until the date of a decree nisi - He wasn't even aware this was covered and now it's too late! Think we will have to go for the full refund.

Thanks Pompeyfaith, hope this works CitiFinancial pictures by Aunty_Jean - Photobucket I agree it's easy to send a few letters and I have managed to successfully reclaim bank charges in the past (for my previous partner) but I feel I need to understand what I am claiming - ie. can he still claim he was missold the policy as he had others in force at the time and he does agree that he was told the loan would be accepted if he had the PPI. Is that enough? Also, if his marriage has broken down (his wife divorced him (1st April 09 was the absolute) so would marital breakdown insurance come into effect and be easier to claim than saying policy was missold?

Thanks for the reply but having read both this and the Moneysavingexpert advice we are still unsure as to whether we can claim, whether the PPI was upfront, whether the marital breakdown cover would apply etc. Really need answers to my questions before we can start. Beside which CitiFinancial no longer provide loans under that name so we are going to experience a very long and drawn out claim. That is why I was thinking of using a company or solicitor instead. To my mind it is no good just sending off letters if you are unsure of what you are doing.

Hi Friends, need your help. My OH took out a top-up unsecured loan in 2006 with Citi Financial. He ticked the boxes for 'I wish to purchase Optional Creditcare (Payment Protection Insurance) and 'I wish to purchase Optional Takecare Insurance'. This was a top up and he was told to take the insurance as this would help secure the loan. I am new to linking pictures so forgive me if this does not work http://s820.photobucket.com/albums/zz121/Aunty_Jean/CitiFinancial/ Now, following advice we have obtained a copy of the agreement and the Takecare Insurance policy but it does not include the Creditcare policy. 1. Since the loan was taken out his wife has divorced him. It is noted that a) she is the beneficiary on the Takecare policy and b) the Creditcare insurance includes 'Marital Breakdown'. 2. He had various other policies at the time such as Select & Protect, Lloyds Payment Shield. None of these policies are available as his wife took all the documentation with her. Can anyone guide me as to whether or not he can reclaim the amounts paid for these insurances? What on earth is Marital Breakdown Insurance? I am thinking it may be best to approach a company rather than have a go ourselves given the complexity and that others have had problems with Citi Financial. Can anyone recommend someone? Please can anyone guide us.