[Your name and address] [Date] [Name and address of company providing payment protection insurance] Dear Sir

or Madam, Re: Account number: [Your account number] I am writing in relation to the above payment protection (PPI) policy which I believe was mis-sold to me. I believe you have not treated me fairly for the following reasons; [Delete the reasons that do not apply to you] The PPI was added without my knowledge. The salesperson selling the insurance was pushy and strongly advised me to take the insurance. I was [select from told I had to take the insurance/told I could not get my [loan/credit card/credit card etc] without the PPI/only provided with a quote for the cost of the [loan/ credit card etc] with PPI attached]. I [select from - was/knew I was soon to be] [select from unemployed/self-employed/retired/over the age limit] when I took out the policy and [select from made your staff aware of this/was not asked about this]. I was not [select from - asked about any pre-existing medical conditions I suffered from/warned that pre-existing medical conditions could affect my insurance]. I [select from - was not informed that stress and back problems were excluded from the insurance/informed staff about (your medical condition) but was not warned that this would affect the insurance]. I was not asked whether I already had any existing insurance or employer benefits that would cover my repayments. You have been punished by the Financial Services Authority for failing to treat customers fairly and I do not believe that the PPI I bought was sold in my best interest. I was sold a single premium policy that was not fully explained to me as [select one or more from the whole cost of the insurance was not

made clear to me/it was not explained what would be refunded if I cancelled the insurance or if I repaid the loan early]. It was not explained that the PPI would not run for the full term of my loan. When I tried to cancel my insurance [select from - the refund I was offered did not represent a fair refund as is required under FSA guidelines for PPI providers /I was told I could not cancel the PPI without taking out a new credit agreement].

Unless you can prove that the policy was fair and reasonable and that I was treated fairly when I was sold the insurance, I demand a full refund of all premiums, and subsequent interest on these payments, that I have paid in relation to this policy. I also expect 8% interest to be added to each payment I have made as this is the statutory amount a court would pay.

I look forward to your full and prompt response to this letter. If this matter is not settled within eight weeks of this letter I shall be contacting the Financial Ombudsman to investigate my complaint. Yours faithfully, [Your signature] [Your name]