reptile it was missold to you if, they did not explain it fully to you, made it seem that you would only qualify for it if you took out the ppi, never asked you if you had other means of meeting the repayments, ie sick pay savings life insurance etc. put you under undue pressure to take it out, and a few other reasons i cant remember. its up to you to tell them how you think it was missold! so take your pick bud!