Argos home retail Group. I took out a loan in 2004 they tried to tell me that I decided to take advantage of the repayment protection insurance. As this company wasn’t regulated until the 14th of January 2005 hey are happy to refuse upholding complaint. has no evidence of me deciding to take this product on I believe it was just added to the policy. Tried to tell me that I had 30 day right of cancellation which I did but this was given to me after sale which is standard practice with PPI This was offered on St Andrews insurance paper work. As I cannot take resolution through the financial ombudmen service it is now being referred to a Small Claims Court in due course.