MBNA have just written to me telling me I was in a group of those who had PPI and that it may have been mis-sold - winner. I have never deliberately gone for PPI so must have been. But, this has raised some questions: 1. I had been a lazy arrse and not tried to claim (not being aware) - so if they had not told me I would never have known. So what is the benefit of responding to their questionnaire? The only thing that occurs to me is that they are hoping to pre-empt people going through claims companies or even printing off 'Martin's Money' forms and claiming themselves - ie if I take the convenient route and respond, I take their poxy settlement as I would potentially get more myself or through a company, thus saving them some cash. Should I now go for my own claim or a claims company and ignore their correspondence? Has this happened to any other arrsers? 2. Is it true that PPI should never have been sold to serving personnel? Sensible answers appreciated.