Thanks, I'll do that

Well in my case, I distinctly remember saying no to PPI because I was self employed (one man ltd co). I have a policy of no buying insurance in any case. When I discovered it I immediately expressed my shock. The fact that i was seriously ill and out for six months but made no attempt to claim, should be a strong indicator that I am telling the truth. I made it clear that I had been mis sold, but that I would now try to back claim. It didn't work. Now I ma saying, I tried to avoid demanding a refund, but It didn't work, please can I have the money back. I have no idea if it will work. My point is that If I was unaware of PPI then the contrct I signed was inaccurate. It could be deemed that the APR defined was wrong because of the insurance element. As I said, I don't know anyhting about this, just specualting

I also was missold ppi by egge and was really angry when |I disocvered it. Ten years of paying premiums. I tried to claim for periods in the past when I was out after an acident, but failed because I had never asked for a doctors sick note. Didn't need it eI owned he company then. I did complain about being miossod and they mad no comment on this, but I said I would try to back claim as the best option for all of us. Now that this is definitely not going to happen, do you thik I have spoiled my chances of recovering the premiums. Also, is it not the case that the contract I signed was not the one I thought I was signing and hence , is it not an unlawful contract? This is sheer speculation, I have no experince of this. EDT

I have been reading many of the threads and I haven;t been able to work out if claimants have been doing NPV calculations when claiming back charges from the past, or is this covered by a different calcualtion? E.G. they too k £30.00 in 2001 that is probably equivelent to 40.00 today and this is what should be claimed.

Hi, Thanks to everyone who created this great site. Great to see a few people willing to fight for rights. I just discovered all of this a few weeks ago and wrote to Halifax for my statements. They replied including a summary of charges (over 4000) and mentioned the stays. I did nothing then. I can't get a clear picture for reading these posts of what the situation is. Is here any point in writing to them knowing they will say no and then starting an action knowing there will be a stay? Is it not just a swell to wait until it is finally dealt with in a couple of years and claim then. Any advice will be appreciated.