Hello everybody - lurked for years but never posted before......Perhaps this is similar to the "free money" thing that other's have experienced with Blackhorse offering compensation for procedural errors. I have been phoned today - 6 July 2015 - by somebody apparently from Blackhorse regarding 3-loan accounts that I had with them way back in 2004. I was mis-sold PPI on all 3 but when a claim was made they only upheld one - in 2012. The operator was very polite and has evidently been given the task of examining whether or not I could remember the circumstances around being offered the loans, my work situation at the time and what the money had been used for. It would appear that the upshot is that they realise that they should have repaid all the premiums at the time of my first claim. Just wondering if anybody else has taken a similar call recently - or have I just been phished?! Cheers Chanch PS The lady's name was Denise Kilpatrick and a quick check of LinkedIn would appear to bear it out as a genuine call