Hello. My wife recently, out of laziness more than anything, returned a document to Consumer Claims which suggested she may have had PPI on a number of accounts. One of the accounts with HBOS did have PPI and the company pursued this on her behalf. However when HBOS were corresponding they did this directly with my wife and not through CC. At first she redirected the correspondence to CC and eventually got a letter back to say that they did not feel that PPI was missold. My wife then contacted HBOS by letter and made further representations and a couple