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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
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F30 335i M Sport - now departed
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