You can complain certainly, if the banks don't have any records left they'll just ask you to provide copies and if you don't have any your complaint will end.

If your credit card was always paid in full you could have had PPI but you'd never pay any as it was only charged on outstanding balances.

Mortgages you would have to complain to whoever sold it to you (often a broker) and as they were all pre-2005 when they started unless you bought it from the lender they would be pre-regulation so could be dismissed. The lender has no liability for a MPPI policy that they didn't provide.

Bank accounts rarely had PPI except for overdrafts, if you had no overdraft you would never pay any

Loan could have had it but if it's Midland bank it's going back a long way, fair chance they will not have any records left

Not really, the PPI scandal was miss-selling. It is a claims company myth that PPI could be hidden or added without your consent. PPI on a credit card would be on every statement you received for example. PPI on a loan would be on the loan agreement you signed. MPPI would be agreed with a broker (MPPI is actually the one PPI product still widely retailed today as it's a good product as it can save your home. It's extremely rare that someone would have a mortgage and have the funds to be able to cover their monthly payments for 12-24 months (plus other bills) if they were unable to work.)

Thanks Nasqueron, that's pretty much what i thought. Yes mortgages were sold through a broker who I've forgotten the name of, and have long since gone and i have no paperwork anyway.