Hello out there,   I purchased a car from Yes car credit (direct auto finance) in Feb 2002. I recently saw Martin Lewis on T.V talking about Reclaiming your PPI,     This struck a cord with me as I remember vividly the day I bought the car. I was suprised at the amount to pay and questioned the sales man (i remeber his name was Steve) he told me it was all the added insurances. PPI, mechanical breakdown cover and GAP, to which I replied "do I have to have them?" and I was told