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Can i claim PPI back having not used it as i didn`t know i had it?

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I took out a loan of 10k that came with ppi(i`m not sure how, if or whether i asked for it) i defaulted in march 09 after being made redundant and to this day there is a bout 3.5k outstanding. I wrote RBS/direct line after contacting the consumer credit council asking to reduce my payments to zero while i was unemployed as i hadn`t signed on because i wasn`t aware that i could, but they refused. I later sent off for my consumer credit agreement which although almost illegible show a computer printed tick selecting ppi.

My question is;

Would them not informing me that i had ppi when contacting them about my situation mean that i could claim?

Many thanks

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I believe you may have a chance to claim back the PPI, particularly as you did not even know you had it.


I suggest you post the details of you loan up, removing any personal information of course and someone will help to make the calculations.


Then write to Direct Line stating you believe the policy was mis-sold and request refund of all premiums paid, plus associated interests.


Good luck



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