Thanks for that. Among other things my reasoning is as follows. 1. They did not make it clear that the policy had a cooling off period. 2. They did not make it clear that the policy was optional. 3. They implied that to take out a policy would help with my application. 4. They did not tell me about significant exclusions within the policy. 5. They did not make it clear that I would have to pay for the insurance up front in a single payment. 6. They did not make it clear that the insurance cost would be added to the loan and I would pay interest on it. 7. I was lead to believe the PPI was for me and my wife as the loan was in joint names, but upon only recently checking the policy I see it is only in my name. 7. I tried to cancel the policy about 6 weeks after the policystarted and before the first payment was made and was told that I had missed the cooling off period and no refund was due not even a proportion of it. There are few more subtle aspects which will be brought up in court if necessary. Cheers

I took out a loan in Sept 2006 for 5 years. Norton Finance were the brokers involved. PPI was paid as a single premium at the start of the loan. The sum being £3700, together with interest paid to the finance company pans out at around £8000. Naturally Norton Finance claim in a letter to me it was not mis sold, although a "corruption of computer files" has ment they cannot produce a recording of the telephone sale. I have asked for any evidence they have of any signature they may have from me with regard to me agreeing the PPI but they have not responded. I am in the process of complaining to the Financial ombudsman, but in the meantime will be issuing a County Court Summons. Any ideas on how I should tackle this. I am not legally qualified but do have some experience of issuing summons. Would appreciate any feedback of others that have had complaints with Norton Finance