Citi Bank Credit card

A question about : Citi Bank Credit card

Received my DSAR from CitiFinancial re; platinum credit card taken out in 2003. received copies of statements and original application form, which includes a ticked box for Cardholder Repayment Protection which statements show I paid an average of Ј20 per month , is this the same as ppi? I cannot remember asking for this.
What do I do now??

the statements also shows numerous Late Charges and Overlimit Charges for Ј20 a time. Also, Ј5 charges for cash advances.
Many advice would be welcomed.

Best answers:

• If you ticked the box (especially if it was online) then you'll have a hard case saying you didn't want it 12 years later.
  Card charges from that far back the banks will reject especially as late/overlimit charges are your behaviour - cash advances are you taking cash off the credit card, not going to get those fees back
• I'm not so worried about the late fee charges as I understand they are my responsibility, but more concerned about this CRP and what my course of action is now. Thanks for all your advice so far.
• not sure of my next steps, do I send that form to citizens? Do I ask highlight the cardholder repayment protection and charges all together or separate? What do I state on letter?
  I have no experience of any of this? Is there any sample letters I could use to help me? Any advice welcome.