Hi All and Dizzi if she reads this, my wife got herself in all kinds of trouble back in 2003. Briefly 10 Cards and 3 loans after she lost control of her spending. Lots of these things had payment protection. Managed to find most companies and to date 1) ARGOS LOANS Rejection letter, loan for £7000 to pay off other loans, Argos Loans sent my wife a letter with a photocopy of her acceptance of this loan, highlighted in this "You have also decided to take advantage of our Repayment Insurance for which the premium is £1,050.00 " She signed and dated this but Argos Loans, Thynne Street, Bolton, BL11 1AS say that the policy was sold on a non-advised basis and therefore our advisors were not required to assess whether you had existing cover in place. She was full time with the local council and with a pension so had employee benefits. This sale was prior to FSA and Argos Loans say the FOS does not have any jurisdiction over loans taken out prior to 14th January 2005, therefore you may find it helpful to make use of the Finance and Leasing Associations (FLA) conciliation scheme of which they are a member and are "bound by their lending code" A responsible lender would have checked her credit rating and seen all the cards she owned ! Would the original application form had a box to tick to not have PPI which she may have missed ? Any advice of where to go with this would be great ! Thanks In Advance milocoon