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Sent this on 9th September using info from ybonline and a phone call to them:- To whom it may concern. Some years ago I had 2 loans with Yorkshire Bank, and it was a condition of the loans that I took out PPI, which I didn’t want or need. For some reason I paid the first loan and associated PPI off early, and I distinctly remember sitting in Yorkshire Bank in xxxxxxx with a member of staff explaining to me how the rule of 78 worked and this being applied to the first PPI for an early redemption charge due to the banks loss of interest charged on the policy. I then had to take out a second policy to cover the new loan that I was taking out. I now know that not only should I not have had to take out the PPI, but the existing PPI should not have been cancelled as it could have covered the second loan, at least in part. As a result of this extra expense there were times when my account went into overdraft, and extortionate charges were incurred, not to mention unpleasant pressure from your bank to pay these off faster than I could afford at the time. I’m not sure if I lived at the above address at the time, so am providing my previous address for your information. xx xxxxx xxxx xxxxxxx xxxxxxx I would appreciate it if you would provide information regarding this PPI, and how much I am owed, including associated interest. Please let me know if you require further information, but otherwise I hope to hear from you within the 40 day timescale for such requests as advertised on your website. Yours faithfully Caro PPI information request 3rd Floor Granite House 31 Stockwell Street Glasgow G1 4RZ