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Help with a PPI


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I have done the letters for the PPI and have received back from HBOS - basically saying:

 

They conclude I was made aware of the optional nature of the PPI policy (utter rubbish)

 

They say bellow "my review has not highlighted any findings with the sale of PPI that would lead me to believe your decision to purchase the PPI policy would have changed"

 

I am so annoyed at this. I 100% would not have taken this!

 

What do I do noe - do I have to go to FOS?

 

Really feel sick how they rip us off and make us feel bad for getting what we are due.

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Can you tell us what the various reasons were that they refused to uphold your complaint please?

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Reasons given - they have called it "findings"

 

I took the card out in July 1998 they have pointed out prior to 2005 the sale of PPI was not registerd by FSA, have said they are members of the ABI.

 

They say I was eligible for the PPI - I was a student working freelance no set hours no set amount per hour

They say a policy documentation would have been provided to me at point of sale (I was in the bank when opened the card) they say it would have been explained to me, This was not done.

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