Hi everyone!

A quick question re. an old loan. In 2005 I paid back in a lump sum approximately half of a loan I took out with direct line in 2001 or 02 to consolidate debts (profit of a house sale).

Now, when I took out this loan I DISTINCTLY remember being told that my application would probably be refused if I did not take out PPI, they gave the excuse I was pretty young (!). I remember discussing it with OH when the paperwork came thru.

Now, I can't find any paperwork and I strongly suspect I destroyed it in relief in 2005 when it was paid off. I never realised I could potentially claim it back as I thought it had to be within 6 years. I now know thats not the case thanks to MSE.

I've read the guide and I'm going to give it a go, but my question is (got there in the end) - does anyone know who I should write to? On a quick google it seems Direct Line haven't given out loans for a number of years, and that theres now some connection with RBS. Do I contact RBS? Or Direct Line?

Apologies if the answers are elsewhere on this site...

I'm a bit scared about the whole thing if truth be told, and kind of assume I'll get laughed at or run around, but hey. Might as well try eh?