hello

posted a new thread which i didnt need to do -sorry ! could not find this to reply to... okay i will do as you say, do i send to the address i have been writing to, or another address as it's something diffrent im asking for ? do i send a £10 postal order ? and just write a cover letter asking for copy of my original app.form, and agreement i signed and ppi i said yes to ( i have statements back from 1998 ), do i give a time limit on how quick i get this from them, or not ?

thanks for advice

666

hello, yes sadly it is the end of the financial ombudsman been able to help, i hope there may be other avenues though.

hello, thank you for the reply.

in that first letter i realised i did not say any of those things i should have,

when they got back in toch with me to say they had looked at my claim,

and i had not cancelled the ppi when i got the c.card,

so it was me that decided i wanted ppi, and as it was a postal app. and they did not talk to me.

My reply to them was i was self employed when i took the card out, it would have been on the application i was self employed,

and i was sure it was up to them to make sure the insurance they sold was fit for the person buying it.

they came back firstly saying i had the policy from 2002,

i said no,1998, then their final letter saying again it was clear on the form,

i said yes ( which im sure i did'nt ), and i could have cancelled it , but i didnt.

i know this sounds stupid, but i assumed i had to have insurance to have the credit card, so i just kept paying it.

so as id had the final letter from them i them forwarded it all to the ombudsman, and the outcome you know.

can i go back to citi cards even though ive had a final letter about the claim from them ?

would is the next needed route i need to do from here please ?

hello, thank you for getting in touch, first letter to citi cards was -

acc.no.************

dear sirs

this letter is a request to reclaim repayment of my Cardholder Payment Protection insurance i have paid on this account.i have my invoices showing the policy insurance taken each month as far back as 1998 ( i enclose a copy of the earliest invoice i have showing the policy insurance ), the amount i have paid on the invoices i hold comes to over £4000.00 alone.

when i received this credit card, the policy insurance was added by yourselves straight away on the account, i was never asked if i wanted or needed the insurance, you just started charging me each month on my invoice.

I contacted the Financial Ombudsman sevice over this to get advice, and they have told me to contact you, and ask you to repay the monies you owe for the insurance you took over all the years for this policy insurance.

i look forward to an early reply.

i won't make this post any longer, if you need/want the rest of letters between me and citi i will happily post next.

thank you again

having got my final reply letter from citi cards saying they did not mis sell the payment protector insurance on my credit card

( it was taken out in 1998 when they called themselves assosiates),

i sent all info to Financial Ombudsman.

I have just got a letter from the Ombudsman saying they cannot help me,

as they only came into play in 2001, and citi / associates were not members of any ombudsman schemes , so they cannot lookinto my complaint.

surely they cannot wriggle out of this by this method?

can i get any help please to find out if i should appeal, or what else i could do ?

thank you.