Can I reclaim Littlewoods Extra Care?

A question about : Can I reclaim Littlewoods Extra Care?

I cancelled this a few months ago because I just wasn't getting any benefits from it and it was quite expensive. When I first got the catalogue in Jan 2002 I had extra care 500 but then in April 2005 it changed to extra care advantage, I don't know if this is the same thing though?

I have no idea how they even work it out, on a balance of Ј237.19 in Sept 2005 they charged me Ј4.61 but then on a balance of Ј65.41 in July 2007 they charged me Ј9.58 :confused:

When I first got this catalogue, I was 18 and on Income Support, so I wouldn't have needed it really, because I couldn't have gone on the sick or have been made unemployed? Do you think I coud reclaim this?

Thanks in advance

Hayley xx

Thanks in advance

Hayley xx

Best answers:

• Anybody......?
• hi
  This sounds like some sort of PPI (payment protection insurance). i believe from what you say it was miss sold to you and should be reclaimable. I think there are standard template letters on this site but i havnt used them myself.
  Hopefully someone can point you to them if you cant find them.
  Borgbaiter
  i think this is the link, you will have to adapt the letters to your specific case.
  https://www.moneysavingexpert.com/rec...loan-insurance
• Thanks for that, i'll send the letters off and see how I get on
• hi
  good luck
  Borgbaiter
• HI THERE,
  i've got this extra care advantage myself,i know its to cover you for unemployment,sickness,but it also covers any items you have bought,for accidental damage,i returned an item after a year and a half and got a full refund.
• Why did everybody who has ever reclaimed PPI agree to it??? I don't even remember, it was 7 years ago! I just know at the time I was on Income Support, so regardless of what else it covers, I could never take full advantage of it because I couldn't use the unemployment cover. So they missold it to me! So I am going to try and reclaim it.
  Hayley xx
• i see what you mean,by you were only 18 and on income support, have you been employed since then,and if you were surely it would have benifited you then? the only thing i don't like about the advantage insurance from littlewoods,when i was of work sick recently,i had to be off 4 weeks before the insurance would kick in!