Thank you ims21. I will phone themt straight away.

I took out a pre-approved credit card with Halifax bank in 2007 because the cashiers kept trying to sell the card to me every time I went to the branch, saying it was already approved and all I had to do was to sign some papers. I did decide to take out the card as I didnt have any credit card at the time. Three months later, I became unemployed. I didn't get back into employment until June 2010 and that lasted for 6 months until I had to relocate outside the country. Sometime in July 2012, I received a letter from Halifax advising my payment protection policy was been transferred. I then contacted Halifax saying I never knew I had ppi on the credit account and that if I knew I would have claimed since I was unemployed and was at that time facing serious financial difficulties with keeping up with payments. I was then told by the customer service person that the ppi policy had already been cancelled as I wasn't keeping up with payments. So that meant I never knew I had a ppi policy and didn't get a notice of cancellation.I was then asked if I wanted to make a complaint or do I want to make a claim which I replied to that I didn't know what the complaint process is? I was given refernce number and was told I will be contacted in due course. Then received a letter dated 1st sept 2012 stating ppi claim wasnt upheld and they had tried to contact me even though I never received a call or letter. Letter stated complaint was CONSENT TO COVER and findings was: '' Sales process at the time required additional consent to confirm you wanted a PPI policy to be added to your Credit Card. I am persuaded that this would have required a verbal explanation ensuring that you were made aware of what you were purchasing'' ''It can therefore be concluded that you knowingly consented to the addition of a PPI Policy to your credit card'' After receiving that letter, I then decided to let it rest as I didn't know how to go about fighting the decision. It would be 6 months since the receipt of that letter in March. Hence since I discovered this website, there is not enough time to do a SAR request as that will take 40 days or follow procedures stated. Please what do I do now. Should I write to the Financial Ombudsman Service and what should be the content of the letter!!!