I had a Next Directory account opened in 1991 in which was paid off in full in 2004 and closed. On checking my old statements it has come to my notice that their are various monthly PPI amounts deducted (£1,244 in total) in which I cannot locate any agreement to or ever signing anything. I sent the standard template letter with payment requesting Credit Agreement details etc. I received a response from Next advising that when the account was opened a pack was sent to me explaining that PPI was automatically added and would appear on the 2nd statement. I was also invited to write to Next to advise if it was not necessary and how it could be cancelled. Therefore it was not their responsibilty for suitability of said policy as they were not regulated at the time. They also go onto say in the case of Next Directory consent is not given in the credit agreement but is contained within the T & C's which appear in the Directory and on the website and cannot confirm how the account was opened due to length of time ? Next say that they do not need my consent to share information with such agencies as this would be addressed by agreeing to T & C's when placing orders. Finally they are unable to provide a copy of a signed agreement and that by law they do not have to anyway but have sent a blank copy of Credit Agreement and final statement of account details. I have today received a further letter from Next advising that I contact the policy administrator First Assist re PPI complaint, who I called and they advised that it is Next's responsibilty for mis-selling ( as it was sold by Next) and not theirs ? Now my questions are obviously what do I do next ? Do I pursue First Assist / underwriters if regulated ? If underwriters how can I find who they are ? Also do I still submit a SAR to Next or am I wasting good money ? Any advice would be very much appreciated.

Just sent SAR off for some missing statements but I do have about 90% of them from 1998 to 2005 when the account was settled and closed. I cannot find anything on my agreement details with my signature agreeing to PPI as it was automatically added when I took out the card. My questions are, will I be able to reclaim from 1998 and what are the correct redress spreadsheets that I should be looking at in the meantime ? Is there one for all of statements and one for some missing statements ? Thanks for any assistance.