People do not need to use the claims management companies that advertise on TV to reclaim payment protection insurance premiums which have been mis-sold. The following article highlights how ineffectual they are. http://www.moneymarketing.co.uk/regulation/ministry-of-justice-launches-investigation-into-ppi-claims/1048810.articlernrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action.rn