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{\author R.Pettinger}}\paperw11900\paperh16840\margl1440\margr1440\vieww11700\viewh13200\viewkind0
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\f0\fs24 \cf0 Your Adress\
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Date\
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Company's Address\
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Dear Sir / Madam\
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Ref: [Account number or customer reference] \
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I am writing to you regarding the product [name of financial product]\
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I believe it was missold for various reasons, contrary to FSA regulations. Therefore I am asking for a refund \
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I believe the product was missold because\
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 [delete as appropriate, leave reasons that apply to you. And add any extra reason which may be appropriate]\
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1. Not told all details.\
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When I was sold the product I was not aware about the exemptions and small print. For example, I was not aware that being self employed would preclude receiving payment in the event of illness.\
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2. I was not told the full cost?\
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The salesman indicated it would only cost [\'a312] a month. But, I was not aware the final cost would be [\'a32,500]\
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3. Your Company has  a record for Misselling?\
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Your company has been fined by the FSA for misselling loans therefore it is highly likely they would find it has also been missold to me.\
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4. I was under the impression the product was necessary\
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When taking out a loan, the salesman implied that the product was necessary. However, I later learnt this was not the case. If I had been aware insurance was not necessary for taking out a loan, I would have avoided the extra cost.\
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5. Pushy Salesman\
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The Salesman was pushy. He sold the virtues of the product without revealing its drawbacks.\
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6. Difficulty cancelling\
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\f1 \cf0 When I tried to cancel my insurance I was misinformed that that was not possible without taking out a new credit agreement.\
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It is your responsibility to prove that the policy I took out was fair and reasonable and that it was sold fairly, following FSA regulations. Since this did not occur I demand a full refund and interest on the amount paid out. I expect 8% interest for each payment as this is the statutory amount a court would pay.\
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I look forward to the prompt resolution of this matter. If the issue is not resolved within 8 weeks I will pursue the matter further and ask the Financial Ombudsman to investigate my complaint.\
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Your faithfully,\
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[Your signature]\
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[Your Name]\
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}