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Well those in the know would let us believe my experience is quite unusual. But I wonder how many other people were forced to take out insurance on small loans ? I knew someone whose electricity was turned off because a large international company forged their signature on a new home power...

As ever the defender of the status quo. I absolutely did not require the PPI and told them so at the time. I'm glad you thought it was sensible when you took out insurance. I didn't, didn't need it and told them so. Listen, this was at the time just before the banks went mental. It was...

Blame culture ? Many people like me had no choice. We didn't change. The banks did. They started acting like dodgy market traders. Sorry guv I've lost the paperwork. Tell you what I'll stop paying my mortgage and claim I've lost the paperwork. Has the last few years passed you by ?

Oh this bank tried that one. After I found the original paperwork they were then magically able to review other evidence and still deny it. Keep sending letters and go through the financial ombudsman. Sorry this sounds all terribly populist and bank bashing but they deserve punishment

Priceless. Peace of mind ? This loan was important but trivial compared to the mortgage. I've wondered how many other people were effectively blackmailed by the bank like I was ? Take out the insurance or say goodbye to your first property ? Over 5k ! A populist industry ? It took me 16 years...

It's OK. I've now read your previous apology. To suggest people you have been scammed by banks have acted irresponsibly is lazy. I've luckily never been in financial trouble unlike the bank who gave me the loan in the first place...

Ha ha. I was waiting for the first lazy response like that. Back in 1999 it wasn't that easy in your 20s to borrow money with no credit history. I scraped anything I could together to buy a flat (very difficult to get a mortgage) but was 5k short. Couldn't even put it on a credit card. This...

I have a PPI claim that defines the term misselling. I needed a small loan when I bought my first flat. Was offered it over a ridiculously long period or a short one if I took out insurance. The short period was still cheaper but I was refused without the insurance. Not my insurance, just their...