Hi all and firstly i would like to say this forum is great and praises to all that contribute in assisting the needed. My concern is that i have three accounts that i have been given PPI, Now i had never signed any agreements for these and just like your input as to what i should do and where i stand,i am currently still paying for these and i am employed Hsbc Visa Credit Card balence oustanding £4999 limit £5000 had the account for over 5 years no missing payments always paid the min payment, Mbna Master Card outstanding £3200 limit £3500 Had the account since 2006 no missed payments, paid min payment Online applacation for credit card never signed any paper Documents. Halifax Master Card Outstanding £3800 Limit £4000 Had account since 2006 no missed payments paid min payment Online applacation for credit card never signed any paper documents any feed back will be appreicated Cheers John