Cancelled ppp reappeared help needed please.

D&DD

My hubbie cancelled the ppi on his morganstanleycard in sept 04.This year it reappeared in may-jan.Reason we didnt realise was the statements weren't checked til Jan due to a terrible year (illness and deaths in the family + 2 disabled kids ) We just presumed the ppi wasn't on there and just left the dd going out.Morganstanley have now cancelled it again and we wrote to ask for a refund as it was applied without our permission to to the account and they are refusing on the grounds we have had the cover for that time..we don't need it as my husband has cover for everything at work!Is there any hope for us??

Chadsman

Absolutely there is hope!
If you didnt agree to the PPI they cant charge you for it. If they gave it you anyway that is there problem not yours. How did Hubby cancel the PPI, over the phone by letter? If it was by phone they will have a recording of the conversation. If it was by letter do you have a copy of the letter?
Try not to get down over it... I know its far easier for me to say than to actually do. It will get sorted in your favour eventually. Keep all records of any communication with them from now on and be polite but firm.
:beer:

D&DD

Thanks Chadsman we cancelled it in writing in 04 and at no time did we ever ask for it back,it just appeared..moral of this story is to check our statements regularly which we do now.Did threaten to take it to the ombudsman and its now going through to complaints dept.The 'team leader' who made the decision wouldn't even speak to me!We keep saying we didnt ask for it but they just answer well you have had the service, I want them to tell me who authorised it as we didnt..Apparently they now have 10 days in which to reply to my complaint so we shall see,its £300 almost so I will persevere.