well, because of the added tick to their copy, a clear case of a commission greedy adviser 'bending' the rules, i have written pointing out that the loan is now unenforceable, asked for the return of all payments I have already made, and asked them to clear my loan acount, with no detrimental credit scoring. When I discovered the problem I wrote to collections suggesting that the loan repayments be stopped and the account frozen until a decision is reached. They have refused to freeze the account, and texts and phone calls are frequent now. They may take me to court, will this be a bad thing? Or would i be better taking them to court first? I just got a 'final' response saying there was no mis-selling, but he didn't even mention the tick box. I wrote back with an itemised list of questions for him to answer before i accept his investigation has been adequate. see what happens now.

No, I have never accepted PPI cover, I've always known it was of limited use, and was a silly price. I have copies of all previous agreements to show that this was my habitual and constant position on this cover.

I had signed beside an empty tick box, as my copy clearly shows. No tick, no consent! The tick was added on the bank's copy, after i signed, and my copy proves this. I have just been brushed off by the bank but i'm going straight back asking them to clarify their explanation as it didnt mention any of my points.

Hi, I renewed an existing loan with Black Horse in June 2008, I declined PPI as usual, the agreement had a PPI tick box which I did not tick. The loan had a three months 'rest' before the payments started. When I later became unemployed I phoned up to ask to reduce my payments until I was in work again. During this conversation I was told i had Life and Critical Illness PPI. I was surprised. I checked my paperwork and confirmed that I had not ticked the acceptance box, and noticed that it was undated and the adviser had not signed it. I complained and told the bank to freeze my account until this is resolved. They sent me a copy of the agreement but their copy has been ticked, and is now signed by the adviser, and dated a day after I attended their office. They have not frozen my account but have harassed me considerably. The loan was for £5500, at 17.9% APR. The PPI cost £933 plus £487 interest at 17.9 APR. I have pensions which would pay out on death or critical illness, so the PPI is unclaimable anyway. Any comments?