Here’s a secret method ambulance chasing claims companies who want a percentage of the refund in exchange for processing your claim don’t want you to know. Are you ready? Here it is. It’s a good one, you might be shocked:
What you do is, you LOOK AT YOUR FUCKING BANK ACCOUNT DETAILS AND WRITE A LETTER TO YOUR BANK.
Here’s another secret both they AND the banks don’t want you to know: the banks are going to refund everybody who they have a record of holding an account as long as you write to claim, and they aren’t going to spend any time actually investigating the specific details of your complaint, as that would just waste money they have already written off and because it is cheaper to just refund everybody who claims than to spend time investigating them.
So just send your bank a claim letter like described here (skip to the Step by Step part): http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance