• I told your staff about my medical history but I was assured there would be noproblem should I need to claim.• Your staff stated or led me to believe that taking out a policy was a pre-conditionof applying for a loan.• Your staff stated or led me to believe that taking out a policy would improve mychances of a successful application for a loan.• Your staff did not offer me a clear choice of the loan with and the loan withoutinsurance.• Your staff did not give me an illustration showing the repayments with and withoutinsurance until after I signed for the insurance.• Your staff dismissed my attempts to cancel the policy during the cooling-off period.• Your staff painted a scenario where I would be reliant on the insurance whichwould not have been true for me.• Your staff subjected me to high pressure sales tactics,
(insert the following if true)
including what might happen to my family if I failed to buy a policy.• Your staff ignored me when I told them that I would not need a policy due to other resources.• Your staff did not fully explain the policy and its exclusions to me.
If you bought a policy for a fixed period – perhaps five or seven years – paying all the premiums at the outset (they may have been added to your loan) but the loanended before the set period:
I wish to claim back premiums plus interest because the loan taken out on
was repaid in full
and therefore it would have been impossible for me to claim after that date.
If you have had a previous request for a refund of premiums plus interest turned down add:
You previously turned down a similar request on
. However, theFinancial Services Authority has ruled that terms debarring partial refunds areunfair. And I note that on 20 April 2011 the high court dismissed the bankingindustry’s legal challenge to the FSA’s PPI complaint-handling measures.
If you took out additional loans and were sold additional payment protection policiesadd: