Hi there,i have a USC creation store card that had a credit limit of 600 and they are now trying to get 1500 from me fro latemcharges etc. i am in a debt management plan and they have advised me that i should cancel the ppi i that i didnt even know that was on my account!! so i am about to cancel that but i would like to know how to claim back the ppi myself, they will charge 25% and think it could be as much as £3000 i am owe, so if thats right i dont really want o be paying them £750 if i can do it myself but i don't have a clue how to go about reclaiming it. can someone please give me an idiots guide on how to go about doing this please they are not the most helpful of people do deal with (no offence to the ex employees its what you were told to do) as my previous experiences have been scaremongering to the point of tears when they tell me they are going to take me to court. thanks sarah