I would contact your individual bank asap. They'll probably ask you to write in. If you want it all refunding it'll depend on how and when it was "sold". For example if you "applied" for the PPI on an application form then it's probably not going to be refunded as you would be seen to have "asked" for it. If it was sold via a phone call you have a lot better chance of getting it back. You may have to argue your case so be ready for that. It's not worth paying one of these firms to help you get it back as it's not hard to do yourself, just get onto it asap as they may have a time limit on claims. Hope you get some back x