argos ppi rejection letter what to do next

[samstigers]

hi all, i am very new to all this , but i have just today recieved a letter back from argos (home retail group) that my ppi was never mis-sold to me. at the time of taking out the card i do not recall needing ppi as i had never taken it out on any other cards or catalogue, the only time i have taken ppi out was on a loan i had. the letter goes into big detail of how the staff at the time did not provide guidence or advice about this insurance but they did send documents once it had been selected. they have also sent me my orginal credit agreement i signed which states the ppi is 95p per £100, but when i have looked at statements it is showing that it was £1.30 per £100.

i would like some information as to other people who have been refused and what do next, as i do believe i would never of asked for this or needed this placing on my account.

many thanks in advance