what address should I post to, is this correct address? The Royal Bank of Scotland Retail Regulatory Risk Business House B PO Box 1000 Edinburgh EH121HQ

Initial loan of £9540 60 months at 10.2% APR loan repayments of 158.43 Insurance £43.10 (insurance loan £2040), total repayable of £12,091, total charge was 2551.80) it was extended by a mere 500 pounds to £10,000 5 months in, because she was called repeatably by the bank offering her more money and it seemed appealing at the time, she didn't understand/wasn't explained that it was an additional loan is was sold as free/low cost money as an alternative to an overdraft. The extended loan was worse 10.9% over 60 months ... repayments of £273.87 loan repayments total amount repayable £16,432 (which includes 3,557.40) for loan insurance. First payment was september 05, feb 06 loan was increased, last insurance payment was in feb 08

I will get the dates tonight. The list of figures are the PPI payments, where they are doubled up the left hand col is each payment, the PPI was cancelled at the payments were stopped. The right hand col is the interest total at 8%. The loan was extended a couple of months in which is why the PPI rises

Yes I have copies of the original letters and agreements of when the loans were originally paid... Dear Sir or Madam, Application Refs: +++++++++++ ++++++++++++ Loan Account Number: ++++++++ I purchased the loan guard policies from you the first on the ++++++when I took out a loan and a second on the +++++++++ when the loan was extended. I was miss-sold the loan guard policies. I am ++++++++++ National and I am not eligible for jobseekers allowance, and would be unable to use the policy. I made the fact that I am ++++++++++ to your member of staff when the policy was sold. I was unaware that the policy was optional, and was made to believe I needed to take the insurance. As soon as this was explained to me by my partner in +++++ I went into the RBS branch in ++++++++ to attempt to cancel the policy. The sales advisor tried to sell me another loan with more insurance instead of cancelling the insurance policy. After taking advice from the FSA I successfully cancelled the loan guard policy in writing in a letter dated ++++++++++++. Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made. I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint. I have included a schedule of payments that were made and a basic calculation of interest, however as this loan was extended I understand that total amount I paid for loan guard is much higher than in the schedule I have provided. Yours faithfully £43.10 £43.10 £43.10 £86.49 £43.10 £130.16 £43.10 £174.13 £43.10 £218.39 £59.29 £279.14 £59.29 £340.29 £59.29 £401.85 £59.29 £463.82 £59.29 £526.20 £59.29 £589.00 £59.29 £652.21 £59.29 £715.85 £59.29 £779.91 £59.29 £844.40 £59.29 £909.32 £59.29 £974.68 £59.29 £1,040.46 £59.29 £1,106.69 £59.29 £1,173.36 £59.29 £1,240.47 £59.29 £1,308.03 £59.29 £1,376.04 £59.29 £1,444.50 £59.29 £1,513.42 £59.29 £1,582.80 £59.29 £1,652.64 £59.29 £1,722.95 £59.29 £1,793.73 £59.29 £1,864.98 £1,877.41 £1,889.93 £1,902.53 £1,915.21 £1,927.98 £1,940.83 £1,953.77 £1,966.79 £1,979.91 £1,993.11 £2,006.39 £2,019.77 £2,033.23 £2,046.79 £2,060.43 £2,074.17 £2,088.00 £2,101.92 £2,115.93 £2,130.04 £2,144.24 £2,158.53 £2,172.92 £2,187.41 £2,201.99 £2,216.67 £2,231.45 £2,246.33 £2,261.30 £2,276.38 £2,291.55 £2,306.83 £2,322.21 ================================ Would you add anything else? who should I post this too? have I made any mistakes? The initial PPI was £43.10, this went up to £59.29 when the loan was extended (at a much higher rate ) I have calculated the interest at 8% but I'm not sure if I have the maths right. Also I havent mentioned the numerous other ignored letters. Feels like I am barking up a non existent tree. The letter doesn't feel formal enough, it doesn't seem direct enough.. Thanks

Thanks DJ I could send the orginal letter again recorded, can I post the letter here first for review? I am unsure of the total that my partner paid out for PPI, it isn't clear, and there are two loans, a loan on a loan both with PPI. Thanks again

I discovered my partner had PPI on a loan, we cancelled the PPI in 2008, and wrote a couple of letters in 2009 (they told us in the branch that they hadnt received the first one), we heard nothing back. Is it worth going to the ombudsman now? what should we do? I know it has been awhile since these letters, but the last year has been REALLY hectic, weddings, job changes. Things are now on an evan keel and I want to get this going before the loan ends.... The first loan was takem out in 2005, this was extended in 2006, there is PPIon both. My partner wasnt made aware of what was happening, she didnt know what PPI was and she even had it, and to make it even worse she isnt a bristish citizen and isnt eligable for public funds. I understand as she cant claim any sort of benifits, PPI is totally useless as it requires you to sign on before you can claim it. .'. misssold... any ideas what to do next, go to the ombudman, or start again, or send a chaser letter? I have all the orginal letters we sent to RBS and the dates... any ideas? Thanks

ARGH! I need help with the finance side of things, there is an orginal loan and a refinance loan, the second refinance loan, both loans have an "insurance loan", the new one costs ten quid a month before, but the numbers dont seem to add up.... HELP!

PPI is normally arranged via separate organisations, does this letter go to the bank or the separate PPI organisation?

i havent listened to the MP3 recording of the 3rd time they tried to sell us a loan, but i think i might have tripped the staff up a couple of times...

Were just starting out and im looking for advise. My girlfriend has a loan with RBS, and i believe she has been miss-sold LoanGurad PPI, multiple times. The initial loan was for £9k in £9540 in 2005 This was extended to 12k in 2006 When she was going to cancel her overdraft, the staff said they could reduce her loan and she should go in... It turns out they were going to extend the loan by another couple of years and the interest rate was higher! We went prepared and i recorded the entire meeting/attempt at selling.... anyway, i believe she has been missold PPI twice. My girlfriend isnt elligable for jobseakers allowance, as she is a foriegn national on a visa, so should could have never used the insurance. What steps should we take, we have only just found out she had PPI, and we havent even cancelled yet! Thanks