Great stuff, thanks for taking the time out to reply, let's hope I can get somewhere with this and you can get some closure too..... Thanks Alex

Interesting that response is exactly the same as mine expect for the dates - do you think we have a strong case, will the ombudsman force them to offer? Has anyone been successful getting anything from the Rob-dale bank

Hi msar, I am in exactly the same boat as you, Had cc since 2002 and have probably paid 10k in ppi to this, roughly £50 p/m they have said because it is over 10 years and I have been happily paying etc etc They have said the letter is their final response to the complaint and that to contact the ombudsman. Also they have too sent the application form, but there is no opt out box for PPI and only a yes for it, and we were advised we couldn't have a cc unless we took it. Is the ombudsman my only avenue and am I likely to get anywhere/anything - just cancelled the PPI now..