Hi All, just to keep you updated. Send off the SAR to RBS. Was passed around from pillar to post but received the information last Friday. The only information they are able to provide me with was copies of statements. I need some more advice. I can't remember whether I applied for the cartd on-line or in the bank (Isuspect it was on-line). RBS refusal to uphold my claim was based on the fact that their "sales process ensures that all customers understand that the policy is optional" and their "staff are fully trained to ensure they follow the Bank's procedure". As RBS are unable to provide me with a copy of my application, I think its fair to assume that they too don't know how I applied for the card. Is it worth just going to the Ombudsman or going back to RBS and asking them to review their original decision? Look forward to hearing from you. Simon

Many thanks for that Scoobied. Have just done the SAR and will keep you informed of progress via this thread. Simon

Hi I'm a new user and wanted some advice. I held an RBS Visa card from 2001 until 2008. I recently contacted them (on the back of the publicity about PPI) to ask whether I had PPI, as I had shredded all of the statements. When I was put through to the relevant team I was advised that I did have PPI and was given a complaint reference number. Just before Xmas I received a letter from a Case Officer in the PPI Customer Concerns Team who advised me that I took out PPI when I applied for the card (I'm not sure whether I applied for the card on-line or in person). As the policy was an opt-in policy, the view of RBS as stated in their letter was that they were unable to uphold my concerns on the basis that I had opted in to the policy and received information about the policy with credit card statements. In their letter they provided information about the Financial Ombudsman service and how to make a complaint. I would appreciate the views of members on whether it is worthwhile proceeding to the next stage. Many thanks Simon