PPI was intended to cover credit repayments, such as loans or credit cards, if person was unable to work due to illness or redundancy. Some of the people who say they were sold PPI but:
• didn’t know they had bought
• would not have been able to claim under the policy due to exclusions or limitations
• didn’t even need the policy as they had sufficient cover elsewhere
So, if you feel that these apply to you then you may have a reason to complain.
The fact that you signed an agreement at the time of the sale, or that you have previously tried to make a claim under the policy, doesn’t necessarily mean that the policy can’t have been mis-sold… But if you think you have been mis-sold PPI, don’t wait for a letter, just contact the business in question. You can read more about payment protected insurance.