Thanks very much for your help i will wait and see what they reply with, and then go from there. thanks again Rachel

Thanks PM, i have emailed M&S with my reply to there letter, but would i be damn right cheeky if i asked you to draft a reply to their 1st letter. I know roughly what to put in there, but i think you know far more than myself and perhaps if a letter was composed well, they might (wishfull thinking) cave in maybe?? Basicially the contents of the letter is:- I understand from reading you letter that you have concerns the ppi was mis-sold on your above loan which was taken out in oct 2000. May i advise that at the time of the application M&S Financial Services was not regulated by the FSA, in addition we had not registered with the GISC. Therefore when the policy was sold M&S acted in its capacity of an unauthorised intermediary and as such the sale does not fall within your voluntary jurisdicition. Due to the reason above will not be refunding any insurance premiums you have paid and i apologise for any dissapointment this may cause you. I hope you are happy with my response and should you wish to persue this matter further please contact the Customer Relations Team on the address below. If we do not hear from you within the next eight weeks, we will consider matters resolved. blaa blaa blaa. Any suggestions as what to add in a response. Hope i have not offended you by being bloody cheeky? thanks again Rachel

hi lula and andrew, i was given advice from Steve4064, and Photoman, im new to this forum and they have given me advice so hope they are both people you reckonise on this forum. thanks

Thank you PM and Steve for your advice, ill let you know what M&S say to my last letter. thanks again both

thanks had a reply from steve, so hopefully maybe able to push to court. thanks all

Thanks Steve for your valuable info. Where would i find out about s5 and s32 of the limitations act 1980? If i do push it to court i need to know what im on about "dont want to look a wally", but i dont want to let slip the £5.500 which really is mine. thanks again Rachel

Advice needed on claiming ppi on loan from oct 2000. Hi can anyone advise me what action to take, i took out a loan with M&S in oct 2000, for £10k, the ppi was £3400 roughly it was payable over 84 months and i finished it about 3 months earlier. I have since discovered that i had and still have alternate insurance in place, so wrote to them as i feel i was mis-sold the ppi. Anyway letter came back to say that they wouldnt be refunding any of the premiums paid as the were not at the time of the loan in the FSA. I have written back as this letter they sent was not the final letter, i have asked them to look at it again. Shall i take court action if they still refuse me any refund? any suggestions would be great, thanks

hi can anyone advise me on a loan i had with M&S oct 2000. I took out the loan for just over £10,000 and the ppi was with interest just over £3,400 i have written to M&S asking them for a refund on my ppi premiums as i feel was mis-sold it as i have and did have at the time alternate insurance in place. I received a letter back (but not a final letter), saying as the loan was taken out in 2000 they were not regulated by the FSA and the GISC, so on that basis the sale does not fall within my voluntary jurisdiction. So i have calculated the 8% interest and now they would owe me £5,500 is there anything i can do to claim back this money? all comments and advice is gratefully received. thanks