Hi all. I'm very new to this so please forgive me if I've missed anything of importance! I purchased a car from Welcome about 4yrs ago and finally finished paying it off in August (£9,600 for a 2004 Fiat Punto, bargain.....NOT!).When I purchased the car I did not take out the PPI as I knew from similar experiences that it wasn't worth the paper it was written on. I was threatened that I wouldn't be able to get the car if i didn't take it but i stuck to my guns and pretended to walk off whereupon they came back to me and said they would 'work something out'. This happened to be that I was lucky enough that they would accept me even without the PPI but that I would still obviously have to pay for the compulsory MBI and Shortfall Insurance. I thought I'd won the war so didn't question that they were 'compulsory' and to be honest, it seemed like a small amount of money compared to what I would finally pay! But now I've been told by several people that I was mis-sold these additional insurances. Is this correct? Can I claim back for them, even if I don't have a PPI claim?? Is there a template for this? I just called Welcome to clarify how much I had paid for these two insurances and it comes to £850 which is a huge amount of money to me so would definitely like to claim back if I can. Incidentally, the staff member was disgustingly rude and shouted at me that I was jumping on the 'insurance bandwagon' which I thought was great customer service......!!! Many thanks in advance for any help or templates that you may be able to share with me.