Hi all I have been searching the forum for a couple of days looking for an answer and although there are some familiar comments to my issue the advise seems to be first class so I thought i would post up my scenario. In essence I applied for a refund of ppi payments on a credit card loan. These were typically monthly payments and costs were relative to balance of the card at the time. I had this card for approx 3 years. On receiving the card I got the tear of slip saying that if you wanted ppi to fill in and return and it would be applied. This I still have and it was never sent back as i did not need the insurance. However looking back through my statements it was applied from the word go. I sent a letter claiming back the payments via the standard form and eventually got a letter back stating your claim was being turned down. The reason being was i had a call 6 month later from a call centre selling me the insurance. However when i look at my statement the ppi shows on my statement 6 months previous to this alleged sales call. They also state that as the monthly payment was clearly shown on each statement that i must have known i had it and should have claimed. Surely the issue is that it was applied to my card initially and the obviousness is irrelevant. They have sent 2 copies of statements to show this. They also sent me a copy of the terms with the cancellation rules and say it is clear. On this my counter argument is i did not receive any docs. Do I have a case to go back to them with or do i go to the ombudsman. Are these legit reasons to not pay out etc. Any advise would be most appreciated Thanks MossgG