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Alliance and Leicester PPi reclaiming

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I took out a £4000 loan over the internet with Allience and Leicester in 2008 (October). Just recently on reviewing documents and finances etc I discovered that I have been paying PPI insurance worth £1300 alongside the loan. There is some script around the PPI being optional within the paperwork but I can vaguely recall feeling whilst although the breakdown of the cost of the loan and the PPI cover were outlined seperately feeling that it was the expected thing to accept the cover without question. I was in full time employment then and now and have sufficient benefits for sickness and would and still have other means of making the monthly payments should long term illnes occur. I have recieved cold calls from claims companies who are more than willing to make the claim on my behalf as they feel with it being a loan sought over the internet they are best placed to do this?? Any advice as I am considering making a claim myself but unsure of the exact wording due to it appearing more complicated to get internet loan claims accepted??

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