Check PPI application paperwork to see who underwrites the policy - I have a claim which I initially approached FCE plc about - it was cover sold in conjunction with finance taken out on a Ford Fiesta in 1997 via one of their dealerships, where, I too, was encouraged to take it out to help my application. FCE returned my claim with the usual excuses. After discussions with the FOS, I re-checked my paperwork and found the original PPI underwriter to be one Consolidated Life Assurance Company Limited. This company's policies are now administered by Windsor Life Assurance Company Ltd, based in Telford. I am now progressing the claim through them. You'll get nowhere with FCE despite the fact that the policy was sold by their employees.