Send a S.A.R. to firstplus and get copies of all documents and recordings of any conversations that you had with them. I did this and there are no references to PPI payments on any payment transactions I have made to them, just loan payment amounts. I'm about to ask them why they have'nt sent any PPI information regarding premiums paid and a brekdown of those payments. The more you look into it, the more it stinks

Mr d. Did Firstplus send you the Credit Agreemnt to sign for the loan before they sent you any documentation regarding the terms of the PPI?

I was not told several key facts by Firstplus 1 That the PPI they sold me was for 5 years, that it was a front loaded policy and was virtually impossible to cancel when no longer needed without losing almost all of the premiums. This, in itself, must surely be covered in the Unfair Terms in Consumer Contracts legislation 2 That the cashback offer is subject to 2 very specific conditions, that you don't miss more than two payments and that you have to apply for it 3 The Credit Agreement was sent to me for signing two weeks before any printed info regarding the PPI. I also think it's unfair to add PPI payment to a loan over a 10 year period when it's only a 5 year policy. This makes it impossible in many cases for a client to take out any cover when that 5 tear term ends. I'll keep an eye on your progress mr d good luck