PPI claim question

Myrtlemyr

Anybody any experience with same or similar situations to this:

Don't know if this is the right thread, or whether it should be somewhere else. If anybody wants to advise where I should re-direct let me know. It is a PPI story.
Had a credit card with an Irish bank. I declined PPI when applying for the CC, but bank began applying PPI premiums after about a year or so. To be honest I didn't notice this at the time....I was relatively flush at the time and amounts were small and I cleared the balance each month, so I mistakenly thought I must have agreed to accept the PPI when signing the form. Bad memory or pretty stupid.... I know. But ran up a bit of debt a few years later and PPI premiums got bigger. Once again, I continued to assume (mea culpa) that I must have applied for the PPI. When the whole story about mis-sold PPI broke in the media I wrote to the bank to cancel the PPI, as I'm self employed. Bank wrote back after a long delay, saying the PPI shouldn't have been applied to the account in the first place. I was given a refund of premiums and a miserly amount of compensatory interest.

I've had a bit of correspondence with the bank since. They are very reluctant to release information. For instance, they seem to have deleted any records of phone calls I made to them. Amazing......! You would think it would be in their interest to retain those records....

The whole thing stinks. I know from professional dealings I had in the past with another credit card provider that applying PPI to CC accounts was an easy way for 'rogue' customer service agents to earn a bit of extra commission. While it may not have happened much I suspect this practice may have been a bit more widespread than banks would care to admit. Would love to hear from anybody with same or similar experiences.