your name and addressdatename and address of bank/broker/ credit card which sold the plan policy number/credit card number
Dear Sirs,I bought the above plan from you on
(date – as near as possible)
. I now wish toclaim back my premiums plus interest. This policy was mis-sold, I contend, for thefollowing reason/s.
(choose at least one and possibly more of the following where applicable)
• I was self-employed and could not have claimed fully on the policy without ceasingwork – a more onerous condition than someone employed. I was not informed or warned of this.• I work for a family company and could not have claimed fully on the policy withoutceasing work – a more onerous condition than someone employed. I was notinformed or warned of this.• I was unemployed and could not have claimed on the policy. I was not informed or warned of this.• I was retired in receipt of a pension and could not have claimed on the policy. Iwas not informed or warned of this.• I was due to retire during the line of the policy and could not have claimed on thepolicy. I was not informed or warned of this.• I would have been over the age limit during the life of the policy and could nothave claimed on the policy. I was not informed or warned of this.• I was employed at the time but your staff did not inform me that any change to thiscould invalidate sections of the policy during its life. I was not asked about anyintended charges or informed or warned of their effects on the policy.• I have had a previous illness or other medical conditions but your staff did not askme about my medical history. I was not warned that previous conditions would beexcluded.• I told your staff about my medical history but I was not warned this wouldinvalidate part of the policy.
• 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
(insert date)
was repaid in full
(insert date)
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
(insert date)
. 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:
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