Thank you cjcregg for the advice.
Allay, through their 'solicitor' AJJB Law, have sent me a Letter Before Claim. I was under the impression that this means that Court Action will follow. Is that not the case?
Thank you for providing me the details of my defence. I suspected that they will try and claim that I 'signed' something electronically (I didn't!). It will be interesting to see what 'authority' I gave them as I found an email (in my junk folder) from them dated 19 Aug 2019 stating this:
Dear Ms xxxxx,
We are unable to complete your PPI check as the Letter of Authority we hold on file is invalid.
What you need to do:
To get your claim back on track, please follow the link below to update your details and provide an electronic signature:
loa.allay.co.uk/3D406EA9-70E7-4C16-80ED-D70C84F4E29
The deadline for PPI claims is 29 August 2019. If this is missed by you failing to respond or provide information to us, we will not be liable for any loss.
Kind regards,
The Allay Team
Finally, is it worth approaching Lloyds Bank and asking them what authority they have on file from myself, authorising Allay to claim PPI on my behalf?