If you know for certain you never applied or asked for PPI and are 100% certain it was never added then you are fine.
As I found out in my case it was both scenarios happened. Some I recalled being told I had to take PPI to get the loan/mortgage and as I found out in more of them PPI was simply tacked on as part of the loan. With worlds smallest print noting it
Titanium Silver E90 LCI 320D M Sport Saloon >>>FOR SALE NOW <<<<
- Logic 7/ USB Connectity and Bluetooth/ Visibility Pack (Xenons, Adaptive Lights,Auto Wipers Lights and Corner Lights) / Sun Protection Glass/Thermal Windscreen / M Spoiler / Brake Ducts / BMW Performance Pack