I don't understand this. If they paid cash, how did they do a chargeback? There wouldn't have been anything to charge back as they didn't pay by credit card, surely? When you say that your wife paid the £1,000, did she pay by card? If so, you can get proof by getting your bank statement and showing them that.

Hi all, Just signed up and will hopefully be learning from and sharing knowledge with a lot of you. I posted this on the main forum and someone suggesting reposting in the relevant section/ I am mainly interested in finance and banking (with an interest, but no qualifications, in financial law, mainly picked up from forums whilst dealing with my own financial nightmare) Over the last 6 years I've had some really strange experiences, mainly with my bank and other finance companies I owed money to. I've managed to resolve them, one way or another and think i may have picked up some knowledge worth sharing when it comes to dealing with complaining to finance companies/banks. Experienced some problems with high interest debt and identity fraud but have now nearly come out the other side (once I've paid off my last £1800 of credit card debt) Looking forward to speaking to you all!

p.s That's not an ad for the nicolite one. I got it as was the cheapest one I could get in town. If you're going to be keeping it longer than I plan to, you can get bigger ones that look like pens that have all sorts of flavours. To me though, they'd be too enjoyable and I'd end up struggling to give up fake cigarettes!!!

I bought a nicolite e-cig from WHSmith for £20, 19 days ago (you get 2 cartridges, equivalent to 40 cigarettes, and a USB charger - refills are 3 for £6.99 - equivalent of 60 cigarettes. I used the e-cig and thought it was good. For the first week I used 2 cartridges. Before I gave up I was smoking between 10-20 per day. (usually 10 in the week, more at weekends if I go out) Found it fine, then week 2 started taking it to work, but leaving in my car, so i wouldn't use it, but could go and get it if things got bad enough that I felt myself about to ask someone for a smoke. I haven't used it since Thursday now, but am going to keep taking it to work and leaving in the car, as a comfort blanket. I've given up before but never found it this easy, the thing that I think is key, is remembering they've got nicotine in, so you will eventually need to give up the e-cig, if you don't want to stay a slave to your nicotine addiction!

As the above have mentioned, to get a refund of PPI you need to have been mis-sold (as in; weren't told it was being added, told you had to take it to get the loan, sold it when you already have similar insurance, were self employed etc) If the above don't apply to you and you just genuinelky took it out as you wanted it, never made a claim and now just want a refund, technically you wouldn't be entitled to a refund, but a lot of companies see it as more cost effective to refund, than to fully investigate each case. If you've claimed against the policy, i don't think you can get a refund.

Hi all, Just signed up and will hopefully be learning from and sharing knowledge with a lot of you. I am mainly interested in finance and banking (with an interest, but no qualifications, in financial law, mainly picked up from forums whilst dealing with my financial nightmare) Over the last 6 years I've had some really strange experiences, mainly with my bank and other finance companies I owed money to. Experienced some problems with high interest debt and identity fraud but have now nearly come out the other side (once I've paid off my last £1800 of credit card debt) Looking forward to speaking to you all!