Funny story.
I have only had one non mortgage loan, took it out back in 1997ish with Lombard Tricity Finance, £6k to add to the £6k my Cavalier was worth on a trade in for £12k of Vectra SRi.
Borrowed, done dusted and paid off in 2 years.
Roll on to about 5 years ago I found the paperwork and it identified PPI, as the scamming companies at the time want a large chunk of what you get and I thought it was only a few hundred pounds, plus LTF no longer exist I didn't bother.
October last year where someone mentioned banks are refusing 3rd party applications and have made it easier to claim direct, I went on the FCA website, found LTF listed which took me to RBS, filled in their 'did I have PPI form' (I've since lost the original paperwork), they came back with I did have PPI and if I wanted to complain fill in the form, which I did.
27th December got a message saying decision made letter in post, I expected nothing.
Letter arrived Saturday, they had upheld my complaint, after taking the 20% tax on the interest, the PPI payback, compensation and interest on my £6k loan payout is more than twice the original loan amount!
Don't ask me how that works, but it does!!
Either way go direct don't go through a third party, just follow the FCA website links its a piece of cake