May I ask you a question Horlock. Did you still have the CC account + documented proof of PPI payments, and did you have the original agreement assuming you claimed you didn't ask for it?
Had a few CCs in the past. Fairy sure all had PPI, fairly sure I didn't really ask for it. Not sure I have the agreements to support that, or evidence of the average PPI payment. Pretty sure I'll try it on anyway. Not much to lose.
Sorry didin't reply last night, much easier to type in front of a computer rather than on phone..
In terms of the CC's I still have one (but cancelled the PPI in 2010) but the other one I allowed lapse. In terms of proof I did not acrtually provide them with anything on the claim, I knew that I had had PPI as I found some old bills when tidying out but all I provided on the form was my CC numbers and some background. I sent the forms in with no additional paperwork.
On the form I noted (truthfully) that when I was sold the cards (one over the phone and the other at a motorway service station when I was hugely hung over) they told me that such PPI was normal for such cards and that I was not made aware that it was not mandatory.
It literally took me 25 mins to fill in two forms, and they have made me an offer within a week of posting (inclusing easter!).
Just need to check whether to query why they have only gone back to 2000 on the card that I know I held from 1996, the other one I will just accept their offer.