I was in a six month contact at time of drawing down the loan (have never had a full permanent job) and also only 15 hours (need 16 hours to claim), also I was only given the monthly repayment including the PPI and i did ask for the payment without PPI and was told they dont do it as I would need to be protected, i have the original workings of the figure stating it included "insurance"
Small things like no medical condition etc checked for, not told I could purchase PPI elsewhere or did I have another policy which would cover the loan.
I doctored a few sample letters from the net and am going to hand it in today.