Olivia celebrates (in the Hamptons)

Wednesday 20th August, 2008 - £8,078.83 in debt…

According to Rudyard Kipling, if I can “meet with triumph and disaster and treat those two impostors just the same”, among other things, mine will be the Earth and everything that’s in it. Well, that would be nice, but I’d rather approach disaster with a bottle of valium, and triumph with a party popper.

Today I have triumphed over Endsleigh insurance, after discovering yesterday that they have mis-sold me a PPI policy. Pop!

The email reply to my complaint apologises for the situation but does not take responsibility for mis-selling the policy. It does, however, assure me that the PPI charges I’ve paid so far will be refunded and that the policy itself will be cancelled.

I’ve also just had someone from Endsleigh on the phone, apologising again. According to her, Endsleigh didn’t have a call recording procedure in place when I first took out my policy, so they can’t check what I asked for and what I didn’t, but “it is our policy to never make you pay for anything you don’t want, and we would have asked you whether the insurance was something you’d be happy with”. In other words, “nothing to do with us - you must have asked for it.” I didn’t.

Anyway, there’s no use crying over disregarded FSA regulations - at least I get my money back. How many party poppers can I get with £25?