I have loan with Firstplus and only found out recently that my husband was only covered on the loan even though its a joint loan we thought it was a joint policy. Also that it only covered him for the first 5 years (our 5 years are up now). I thought we were covered for the term of the loan. So you can imagine our shock to find we aren't covered now!! Anyway the thing I need to ask is I think we were definatley mis sold the insurance policy. We paid £15183 for 5 years cover!! outrageous. BUT 3 years into the loan my husband had an accident and was off work for 4 mths so we had to claim on the insurance. Does that me we can't complain about the PPI if we have already claimed on it. Are we stuffed??? Does anyone know??

Hi there, I was just having a quick read to see if a decision had been made because this evening when I got in from work and checked my Alliance & Leicester account online I found that I had 8 credits at £34.00 (old bank charge fee)on my account the 8 credit entries had dates relating to occasions when I had items reversed from Nov 07 to Feb 08. Against 8 debits of £25.00 (new bank charge fee) so the difference being £9.00 per reversal charge grand total £72.00!! I used to bank with HSBC and let them to go to A & L after I put my Bank Charges refund request. Has anyone else had any refunds back as this has come out of the blue as I've never queried these charges with the A&L.