PPI con by Citicards - to claim - plus citicard claim

Ive been having severe trouble repaying my citicard visa which I owe £2k on. So I asked for the last 6 years of statements and the penalty charges totalled around £740.

However, to my chagrin I noticed a payment protection charge every month which I realised had been screwing me over even more!
I havent even a credit card on me, they asked for it back a long time ago and all I seem to be doing is paying interest interest plus this useless PPI so this reclaiming is going to help me out a LOT.

I never usually check my statement in detail, just the payment received and payment due bits, so solely on this website I accept liability for ignoring my statements and letting it go on for so long, yet this does not deter from the fact that something which is supposed to help me out of a pickle has in fact been used to my detriment, and I have no recollection of ever accepting such a thing - if I had known that payments were going to be taken out in this way leaving me in perpetual trouble there is NO WAY I would have taken such a thing onboard.

anyway, I totalled the charges and sent them, and then decided to total up the PPI which summed up to be in the region of £600!!

I do not recall ever taking out PPI so I called citicards.

An Indian gent answered and I firstly enquired about the PPI and what it is - I then requested it cancelled - which he concurred. Then I asked him if I had signed anything, or filled out any forms, or if they have any paperwork regarding this PPI application. he stated that there is no paperwork, and that the agreement was made VERBALLY back on some date in 2004 (which I noted down).
I then asked him to provide me with the name of the person who dealt with the alleged claim, he stated that no such information exists. I then requested a refund of ALL the PPI charges, which he obviously declined and asked me to write in.

I then contacted my brother who is a financial advisor and well versed in FSA guidelines, rules and regs. He stated that I should request ANY documented information regarding this alleged application, in the form of paperwork, filed claim form, or verbatim transcript or recording of the alleged conversation in line with the data protection act.

Then it is a simple matter of complaining to the banking ombudsman illustrating that this PPI has been MIS-SOLD (see FSA for definition) and claiming it back.

I'm currently awaiting the banks response to my request for verbatim transcript or recording. In the letter I illustrated the fact that I have no recollection of ever agreeing to such a thing and pointed out some FSA guidelines and the definition of MIS SOLD.

I urge everyone to read the FSA definition of mis selling a PPI and to use this to at least try and claim their money back by this other thieving tactic! Please leave your results here on this website.

I'm currently waiting for the citicard response to my charges claim and the response to this PPI letter.