Thanks for the support Andrew1, I know what you mean about the fuzzyness of it all. It was over 3 years ago. I have always resented the amount of the credit care as they called it. Luckily I have been able to keep up the payments and never been behind. My problem is that even after reading as many threads on here as I can I have no idea how to proceed. I think their response was pretty weak in that it boils down to them saying "I am unable to agree that the policy was mis sold." Any ideas or suggestions would be very greatfully recieved. Kel.

Hi, I am in a similar position. I sent off a letter as per the template found on the money saving expert site. Sadly as I expected I got the reply I didn't want. The letters main point in reply to my own letter are that there are set procedures and scripts in place to ensure customers get the relevant info. ..... and that I would have been advised of the importance of reading the policy upon reciept .... the insurance is optional ......at no time has it been mandatory ......I am sorry you feel this way but clearly this was an assumption you made (that i had to have insurance as part of the loan) .... you signed specifically for this cover. So where do I go from here. Of a £10000 loan I have now repaid £12000 with nearly £6000 left to pay. (edit due to inability to count!!) Leaches. If only I had known then that I didn't have to take the insurance out to get the loan. I just thought that as it such a huge (to me) loan that was standard. Only by reading these pages do I now know different. I guess I'll have to keep on paying despite the fact it is crippling me. I really feel badly let down by the Bank of Scotland. My agreement says. advance £10000 credit care £3069 total credit £13069 charge for credit £4053.80 total payable £17122.80 Any suggestions? Kel.

Thanks for the support. I am looking for info on how to proceed. I read the thread on the money saving site. I have always resented having to take the PPI then I discovered that I didn't need to as i could have had the loan without. Not what I was led to believe on the phone. I found my original agreement and was gobsmaked at how much PPI I was paying. I had never had such a huge loan before and really didn't know that I could have it without PPI and that PPI can't be a condition. Also I don't know how they can offer a refund of less than 4% (quick in my head calculation) of the premium when I am only 42 months through my 62 month repayment term. I sent a standard letter off and got the so sorry no, now go away like a good little boy reply. Their main arguments seem to be that: There are set procedures / scripts which would have been followed, the insurance is optional, you would have been advised to read your policy and by signing for it you agreed to it. And it was 3 years ago anyway what are you doing trying to claim now? (Paraphrased this last bit!). Where do I go from here, do I write again? Any help would be great. Meanwhile I going to be spending today reading up on these boards for the answers I am sure are here somewhere. Kel.

Hello board!! I have found my way here from the Martin Lewis forum. I will spend a few hours scouring these boards for information on how to get my money back from the Halifax PPI I didn't want or need. I have already sent a letter and got a reply saying no but offering me a refund for £138 of the £3069 PPI if I cancel it now :o . How do these people sleep at night. I will be writing again today after I have looked through these pages. Wish me luck. Kel. AKA Mr Flibble