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Loanguard insurance on overdraft!


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I've been paying ppi on my overdraft with RBS for at least 6 years now and have added up the past 6 years of payments to around £500. I don't have any of the paperwork that I may or may not have signed for it. It shows up as a charge on my statements. I don't remember agreeing to the insurance but possibly did.

 

Would my first step to be to write to the Bank and request a copy of the agreement? If they can't provide it then can I claim it back stating that I never agreed to it?

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I've been paying ppi on my overdraft with RBS for at least 6 years now and have added up the past 6 years of payments to around £500. I don't have any of the paperwork that I may or may not have signed for it. It shows up as a charge on my statements. I don't remember agreeing to the insurance but possibly did.

 

Would my first step to be to write to the Bank and request a copy of the agreement? If they can't provide it then can I claim it back stating that I never agreed to it?

 

Yes and Yes

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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