However (and apologies for slight thread drift) claiming for mis-sold Payment Protection Insurance does work (and you don't need to use the bandits masquerading as lawyers that advertise on TV). Just claimed in respect of an Egg card my wife had some years back, with which she was inertia-sold PPI, but they would not repay until recent banks lost the recent court case. Just got back £400 odd premiums and a couple of hundred in interest - all for two letters and an e-mail. In her case, in addition to being inertial sold the policy, she was self-employed so was not covered by PPI anyway. For most service personnel PPI is inappropriate as well, unless ecxpecting to get made redundant or pop their clogs early!