Me again. I've been thinking about this a little more. The banks, credit card and mortgage companies employ specially trained sales personnel. In the past they were used to aggressively sell their products, it was their job. Some of them were very good at this and I for one succumbed to their sales pitch. Everyday we buy stuff we don't need because we are sucked into it by adverts and sales patter. Would this on it's own be a valid reason for demanding a refund?

Thanks DX. Been tied up with possible career change all last week! Finally got around to rewording my first letter to the CC company. I've also completed a spreadsheet for some of the time PPI was applied to my account. The value only adds up to £150 so I thought I'd attempt this one first before I go for the big value claims. I'd appreciate wording advice from anyone out there, it would be gratefully received. Reworded letter is as follows:

Excellent advice DX. That's my Sunday taken care of. I'll keep you up to date with progress.

Thanks DX, The questionnaire is the one which is referred to by each of the companies I'm chasing. 10 pages plus a sheet for additional comments. Red top border with text in a black border. I can't post links just yet, but online it's referred to as "PPI-consumer-questionnaire.doc" I've seen the spreadsheets and could fill them in but not 100% accurately for all three cases. The credit card PPI payments changed every month depending on my balance and the mortgage PPI changed depending on the interest rate. I could fill them out based on average figures but would this be useful or just confusing? I could apply for the £10 detailed information from each of the companies but would my case hinge on me supplying totally accurate information? They will know exactly how much they've had from me since it's all they do, I've had so much more going on in my life I can't be certain of exact values. PS. Is there a "Donate" button if I'm successful?

Thanks guys, As I say, I have potentially three claims. In no particular order, one for a Capital One credit card PPI policy, one for a personal loan with PPI and one for my mortgage which has PPI. I've completed the generic questionnaire for each of the claims filling in all the details but the following are my covering letters which will accompany the claims. I'll repeat the relevant wording in the actual questionnaire. The Capital One credit card applied PPI to my account shortly after I received a phone call trying to sell it to me. I refused but it was still applied. My letter for this is as follows: My next possible claim is for a loan with PPI taken out with the Bank of Scotland. My draft letter for this one is as follows: My third claim would be for my mortgage PPI. Wording as follows: I think the credit card is nailed on since I said I didn't want it but I still got it. But for the other two I'm not sure if it's all a bit flakey. Basically I've been hoodwinked into thinking I need PPI for the loan, and I realise I need some form of PPI for my mortgage. My claims hinge on the fact that I didn't realise ( or it wasn't pointed out to me) I could buy payment protection from other places. I'm not really called Paul Banks, it just seemed kind of relevant and he's also the lead singer of a fantastic group! I'm really hoping you guys can help.

Hi all, I've been reading this forum for a while now and finally decided to register. I'm very impressed with the advice offered here and I'm hoping I can get a little too with some PPI Claims. I'm an Engineer by trade and hopeless at writing letters, I'm hoping somebody could proof read my words before I send them off. Would this be OK? As the title says, I think I have grounds for three separate claims, should I ask for advice using three new posts or should I lump it all in here first? I'm really hoping somebody can assist, both with the wording and also to confirm that I have valid cases.