gerryT100; Given that most sales occurred before March 2008 , any claim will fall foul of the 6 year rule. In effect any ppi/rpi/mrpi taken out before March 31st 2008 cannot be reclaimed.I know that the 6 year rule is being legally challenged ,so I advise everyone to get copy documents now and await that (slow legal) outcome. From what I have seen Credit Unions were not serious ppi offenders. Th Consumer Codes are of minimal use , given that our Ombudsman mostly finds for Finance Houses.It appears Mr Ombudsman relies on Banks honesty and if Mr Consumer signed = tough ! I think we have all thought that ,since something is clearly wrong as per the Code Mr Consumer should easily win. Sadly Mr Ombudsman finds 88% for Mr Finance. I would not worry about Assurant moving , we can folow them all over Europe. More importantly , There are upcoming cases on ppi , that will I hope move cases in this way. Any ppi bought since Jan 2005 can be reclaimed in SPITE of 6 year rule I will keep thread updated.