No, this is all new to me. I have a lot to learn! I have resent a courtesy letter with original details, with the intent not to get mugged off. Bet there's plenty like me who accept the decision and drop it..

Apologies if this doesn't make sense, first timer here.

Two years ago,

I applied to my old mortgage lender Bradford & Bingley who are now under Santander, regarding PPI.

Gave all necessary details and had a letter to say I didn't qualify. I shrugged it off.

However, during a recent conversation with a friend, I explained I fell at the first hurdle.

He advised me to reapply and to request what grounds I was unsuccessful for claiming PPI.

Have I got a chance to reply, or is it a case of a final decision on their part with their initial reply from two years ago?

Thanks for having a look at this post