Thanks for replying BankFodder. What information would the SAR get me? Would it include a copy of my agreement to the PPI? I have quite a lot of old statements still which show the PPI on it or Complete Care I think it was called but nothing from when the catalogue started. My account is still running although I haven't used it for years and years. To be perfectly honest I didn't really question the charge and thought it was something that was necessary, I was young when I took the catalogue out, I believe through one of the leaflets that used to appear in magazines. I was just eager to be able to afford new clothes as I was on a YTS scheme at the time and not paid a lot. I don't recall anyone mentioning it to me or any call but as it was such a long time ago I can't be 100% sure. My job at the time was as an office junior on a scheme and my employer always paid sick pay at basic rate which wasn't much less than I was being paid if I remember correctly. I'm guessing that my basis for mis-selling isn't a strong one and should probably just let it go.

I put in a PPI claim against Grattan and have been notified that they have turned my claim down. The letter I have received states that my account was started in October 1993 and the Payment Protection Insurance was taken out on the 22nd March 1994. It also goes on to say......... All of our policies are optional and have always been sold as such. The Payment protection insurance has shown on every monthly statement you have received where charges became applicable and has made reference to the policy and it has always been possible to cancel at any time by whatever means and without penalty. Processes have always been in place to ensure that the conversation with one of our sales people complied with legal requirements that were in force at the time, including the obtaining of consent. As a consequence of that consent, the product was recorded as being active on your account. They go on to say that this is their final response but I have the right to refer my complaint to the FOS. I did this and was told that because it was sold before 2005 they can't help, I expected this so no surprise. As it was such a long time ago I honestly cannot remember any conversation and couldn't say 100% that it did or did not take place. Is it best just to forget about this with Grattan or should I ask for proof of said conversation, If it was a telephone call then they wouldn't have any proof would they?