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And with horror that appears to have been me .... I can only assume that I was on my mobile at the time and that fat finger syndrome took hold as usually I would never have down thumped that sort of post. Apologies.

To be fair it isn't 'profit' as such - it's repayments of something you've already paid with 8%pa interest added ( I'll admit that's pretty generous though ).

Then ask for a copy of the paperwork - they have to give it. If you think paying 25% to a company to write a few letters is value for money then you need your bumps feeling.

It has no effect on credit rating etc at all. If you're entitled to it then claim it. If you don't know if you are then still whack in a claim. My girlfriend got £8k back with a total of 6 letters.

And NEVER use these parasitic PPI reclaim companies !