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marshallka

Cheaptrick wrote: »

Hi Di 3004

My first letter was sent on the 9th June, second letter sent on 19th July, 3rd letter sent on 12th September and then they responded saying that they sent me the letter which I have entered on the forum on 25th July, I never recieved this. Also I have wrote the following letter before I send it could you look at it for me and let me know if it is ok as I am not very good at this.

Thank you for all your help

REF: LOAN 100031409895

I am writing to you in regards to your letter dated 25th July which I never received until you sent a copy of it with your last letter. I do not feel your letter has offered a satisfactory justification that my policy was sold fairly, reasonably and within my best interests for the reasons below:

The PPI was mentioned but your adviser did not tell explain to me the full cost of the product, which is very costly and I could have looked elsewhere for a cheaper option if I was told this was optional which I was not. Nor was I made aware that the single premium policy was in fact another loan to pay for and that I would be charged interest on top of this for the full term of the loan.

Due to the time span of when I initially took out this loan, I no longer have the policy document. I did request this in my initial letter, but to date have still not received a copy. As I was self employed I would like to see evidence that I would be covered under the unemployment benefits section.

Finally, you stated that I elected to protect my risks by purchasing an insurance contract for a one-off premium of £2344.59 . Again I would like to have a copy of the phone conversation as I was not informed that it was a one off premium and the loan agreement form was pre-ticked by a computer not by myself.

Join the PPI reclaiming thread and post up there. It may help others too.