Originally Posted by magic77
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
Thanks for confirmation Magic - 99.9% sure I never ticked it or had it applied as I always read the small print