We are currently paying just over €15 per month Payment Protection Insurance on our credit card with Bank of Ireland (current balance €2,200). We have the card over 10 years now but do not recall opting for the insurance when we applied for the card. I'm just wondering where we stand on this. I note that UK banks have refunded customers in similar situations and am wondering if this is happening here? On the advise of the NCA we contacted BOI to ask them for a copy of our credit card agreement and a copy of the payment protection policy. They said they would send us out the credit card agreement but didn't seem to know what we were referring to when we asked about the payment protection policy??? The NCA advice was: "If you think that you were not made sufficiently aware of the terms and conditions of the policy at the time of sale, you did not agree to this service, or you were not an eligible candidate for PPI, you may wish to consider making a complaint, seeking a refund of the policy premiums. Please note we cannot advice on any possible outcome of the complaint." We are waiting on the documentation from BOI to see what that holds but as a rule PPI is not something we would have opted for. Will be interesting to see the documentation..... Just wondering if anyone else is in the same situation?