If a PPI claim has been rejected by a Bank, do you accept this? Or, challenge their decision? I have had 2 PPI claims in. One was rejected by the bank (LloydsTSB), the other has been successful and have offered me a settlement which I am going to accept (£6K). I have been advised by a friend who was a Senior Banker, that the Banks rejection letters are bog standard and that 80 percent of PPI claims are dealt with in this way. I was advised to challenge their decision, and download a standard letter format off one the consumer protection websites such as the one run by Martyn Lewis. Has anyone any experience of the above, and what was the outcome of a request to challenge or take case to the Financial Ombudsman?