Ms H.D. writes: Santander has offered £5,300 as a payment protection insurance misselling refund. Unfortunately, the PPI was originally taken out in joint names, though my husband left me and our daughters a few months later. We finally divorced, with a mutually agreed financial order stating that anything not specifically mentioned would become the property of whichever of us had possession. I had been paying for the PPI, which I changed to my sole name. Santander insisted I get my ex-husband's agreement before it will pay the £5,300, or it will only pay me half. I have contacted the Financial Ombudsman Service, but every time I speak to a different person and have to start from the beginning again. No wonder people give up.

This ought to be pretty straightforward. You are due a refund of PPI premiums because you are self-employed, so you could not claim under the policy. But getting hold of the refund has turned into a nightmare. Santander wanted your ex-husband's signature on a release form. At first he said he would only sign if you gave him half the £5,300, but eventually he agreed and signed. Then Santander wanted him to produce proof of his identity, which he has not done, so you were back to square one.....Read more here