HBOS credit card repayment cover claim

jjthorne

Right I have had a Halifax credit card since my student years, and yes I did the work thing in getting the repayment protection cover, then when i was working when I left University I got a job but it was in Germany, a number of months later the company went under, so I tried to get the repayment protection cover to help me, hehe, they said because i wasn't paying my national insurance stamp, because i was working in a different EU country it didn't count as working, so the repayment cover couldn't be started so at the time I told the HBOS credit card to cancel the repayment protection cover.

a week or two later I started to try and reclaim the actual cover that I have been paying for the past 5 years, i wrote to them and their reply was, that they would give me the information on how much I have paid for a fee of £10.

So I just want advice on what line i should go down now with them, and help will be appreciated