Thanks again, I will have a look at the statutory interest sheet and enter the payments and dates. With regards to the number of days elapsed column, would I enter say 1825 days (365 days x 5 years) for the first payment as that would have been how many days ago the first payment was made? Or am I way off with that? Also, in your last post you mention something to read but there is no link?

Also, on checking my statements I have had no penalty charges added to the policy.

Thanks dx. So, I have begun filling in the FOS questionaire, the financial business I will be complaining about will be Carcraft? Correct?? Although I can see I have paid for a Gold PPI I cannot see a policy number? Would the agreement number of the Blackhorse loan be entered here? Am I right in thinking that they provided the PPI cover? Finally....though probably not! On the key financial information section of the loan agreement for insurance it states. Amount of credit - £1651.68 Duration of agreement - 60 months Total Amount payable - £2064.60 Total of 60 Payments of £34.41 Does the £2064.60 include the APR charge of 9.5% so I would add the 8% statutory interest charge to £2064.60 or to each charge of £34.41??? Thanks for your help.

Hi, Yes, I have all my statements

I've just read this on another thread: Did you pay one payment each month to this loan and PPI and not a separate payment for the PPI? if you did, this is Single Premium PPI and this is the reason for mis sell that you use, this was a loan on the loan paid to term end with interest, if you cancelled the PPI they would have given you a pro rata rebate of the PPI and the remaining PPI is still on the loan to term end. I paid one payment each month to the loan and PPI if this helps my case? Also, on reflection I realise the redundancy would have nothing to do with the PPI being mis-sold.

Hi, After telling so many nuisance callers I've never taken out a PPI policy I've just found out I have! I bought a car from Carcraft in 2007, reading the paperwork I've took out a credit of £1651.88 with a total amount payable of £2064.60, repayments payable of £34.41/month for 60months, it also mentions an APR figure of 9.5%. When buying the car I stated I didn't think I needed the policy as I was in a secure job and had family who could help with payments if required. It would appear in the excitement of getting a new car I've inadvertently signed the PPI box so despite me saying I didn't think I needed it and a cautionary advice note stating I wasn't sure if I needed it I've ended up signing up and paying for it! Also, I was made redundant in July 2012, the finance agreement ran until December 2012, would the policy have been void because of this? Is this my fault, can I claim the money back and if I can who do I claim it back from?