Thank you.

Hi This is the email i sent in December. Hi I do apologise but I must say going by your list of varying case studies upon your website i think you are wrong. There are various examples there of let us say loans that have have recently completed, whereby resolutions have been found, they were not deemed out of time just because the policy was entered into at the start of the loan, some +10yrs earlier. What concerned me more was the DMP and thus the CMP & CML membership were only recently concluded.. The comment you have made that PayPlan sold me the two plans

Hi Just had the below sent to me from FOS. with an option to reply by the 1st of Febuary. Is it worth going back to them?? Your complaint about Totemic Limited trading as PayPlan I hope you’re well. It’s been some time since I last got in touch, so I wanted to let you know that your case is still waiting to be looked at by an ombudsman. Because I don’t think we can look at your complaint, the ombudsman will look at the information we have again and decide whether you’ve referred your complaint to

Thanks DX for the advice, I will go back to the FOS and highlight the points you have kindly made and see what they say. Kind Regards

So do you think it’s worth challenging the decision and asking a ombudsman to look at it?? Kind Regards.

TBH I can’t 100% remember but they said they did and they have the date they sent the letters so I not sure if I can challenge this, can they prove they sent the letters ?? Kind Regards

Sorry, I’m new to the forum wasn’t sure if my original post had uploaded.

Hi I have just received the below email reply from the FOS, any advise on how to reply. Kind Regards. I’ve now looked at the information we have about this complaint. Although we deal with a wide range of complaints, there are times when we can’t help. Unfortunately, based on what I’ve seen so far, I don’t think your complaint is one we can look into. I’ve explained why below. The complaint You’re unhappy because after getting in touch with PayPlan to set up a debt management plan, they advised you to take ‘Cover My Life’ (CML) and ‘Cover My Payments’ (

Hi I have just received the below email reply from the FOS, any advise on how to reply. Kind Regards. I’ve now looked at the information we have about this complaint. Although we deal with a wide range of complaints, there are times when we can’t help. Unfortunately, based on what I’ve seen so far, I don’t think your complaint is one we can look into. I’ve explained why below. The complaint You’re unhappy because after getting in touch with PayPlan to set up a debt management plan, they advised you to take ‘Cover My Life’ (CML) and ‘Cover My Payments’

Hi DX, Thank you for your reply, FOC have mentioned a time limit of bringing a claim. I have been paying the premiums for cover my life and cover my payments since Dec 2007 when I set up the DMP until Feb 2020. Can they refuse to look at the claim because it has taken this long for me to complain. Thanks Ginger.

Hi, I'm currently looking to reclaim my payments paid to Payplan for the cover my life and cover my payments. The F.O.S. are looking at the case now and have asked the questions below. However, PayPlan sold you CML and CMP in October 2007. And time limits apply if you want to bring a complaint to our Service. Because the sale of the products you’ve complained about took place more than six years ago, I’m concerned that you may not have referred your complaint to us in time. Because it’s been more than six years since the products you’ve complained about were