After succesfully claiming back PPI from Egg after one letter i have decided to tackle hubbys sent first letter to Sainsburys {Royal bank Scotland] But got the usual fob off you signed the form, and had a 30day cooling off period, my claim is it was a single policy all insurance added on, and he has in the past had time off work with a back problem, so couldnt have claimed, can anyone point me in the direction of what to wite or template letter to take this further.thanks