Hi, Thanks for your reply, The PPI was loaded up front at £6580 for a 300 month term, however I do realise the "cover will automatically end five years from the date of the agreement......" (quote). The reason for misselling, am unsure how to word this - even though my wife and myself show that we signed the agreement. I can't remember whether they insisted on the policy at the time of signing etc. I had good employment at the time, with 27 years service, paid sick pay and benefits for 26 weeks (full pay). The loan effectively ran for 26 months until repossession, however the property only sold 6 months later. According to the agreement the policy would be cancelled if the property was repossessed. Based on this period, could the full amount be claimed. As regards excessive charges, I believe they may have charged unfair charges on arrears, exit charges for early redemption and a possible 2.5% extra on top of the loan being paid in full, 2.5% representing to the value of the property. I can't confirm this until I've seen the final statement. Will keep you informed.

Unfortunately our home was repossessed by Swift in late 2006, after falling into arrears. Our first charge to the property was ok (mortgage). After reading this forum for the first time (today) I was amazed how similar our stories are. I would like to share my PPI claim up to now...... ( starting with no prior paperwork) Written to swift on the 17/01 to request T+C's and agreement for the account. No reply after 15 days, but a quick call and had the info the following day. In the meantime I have also asked for a final statement/invoice following the sale of the property, which happened some six months after the reposession. I have been advised that all invoices for this period are now archived off site in no particular order, and may take time to retrieve. in the meantime I have a PPI value to which I am forwarding a claim this week, thinking of using the FOS questionaire??? However bearing in mind the loan only ran from 2004 - 2006 - pro rata refund,do you think? beyond the PPI I think there maybe some mileage into the sale of the house "excessive charges" Any guidance on the above or share the same route would be great, thanks