In October 2012, I wrote a brief letter to Bank of Ireland to ask them to investigate PPI on a credit card I had since 1999. They wrote back right away to say I would hear from them within 21 days. They wrote me two further letters to say that they needed more time. Last week I received a PPI refund, interest, and a goodwill payment from the bank. The refund did not go back to 1999 however. In 2006 I had applied for a new type of credit card, on the form (which the bank provided in evidence!!) I had not ticked the box on the application form to include PPI, so it should never have been on that card. So, it took me just a single letter to recover the PPI, no need for using a 3rd party that would have cost me a huge percentage of my refund. My only issue now would be how they calculated the refund, and the interest and why they didn't refer to my original card from 1999. This case shows how a bank made mistakes in applying PPI, good luck with your claims!!!