I'm looking at my credit card and loan bills and there is no mention of insurance...

A question about : I'm looking at my credit card and loan bills and there is no mention of insurance...

... Is this a fairly decent way of being sure that I never had PPI?

I remember specifically refusing to buy PPI when making applications for loans and credit cards, and all my bills only say what I borrowed and no other charges that I can see.

Should I be confident that I was never charged for PPI? Or could they have hidden this somewhere, or worked it into the whole cost without me ever seeing it?

Best answers:

• Every credit card that had PPI on it would have a separate line on the bill detailing what you paid - if it was "hidden" then the total debits on your card would not add up to the final balance and you would logically query that .
  With a loan it would be detailed at the start of the loan agreement (and assuming it was not included in the loan, would require a monthly direct debit which again you would notice)
• After many ccold calls to my mobile (which is TPS registered I might add, but that's a different issue) I finally gave way nd spoke to Red Star. I, like the OP, always used to refuse PPI as I am effectively self employed and so the unemployment section would never apply. As far as I can remember I have never seen an insurance payment on my CC statements.
  I told the caller this but they insisted that sometimes it was included by charging higher interest rates. I doubted him but I let him send me various Letter of Authority forms for my card companies anyway since they were a 'no win no fee' type. Is there any truth in what he tries to tell me?
  On a slightly different point, the letters were sent to me on 28th Feb along with their terms of engagement. I have not yet signed the ToE form nor sent it back with any of the letters of authority filled in. Does that mean that I have or have not engaged their services? If I choose to drop them will I be subject to the 14 day cancellation clause or does this only take effect if I have signed the ToE form?
  Any advice from anyone would be gratefully received. Thank you.
• There is simply no logic to the ludicrous idea that lenders would include "Hidden" PPI by charging higher interest rates. If a lender was really prepared to commit wholesale fraud by charging a higher rate than agreed why would they go to the bother of providing PPI (when this would have a cost to them) when they could simply keep all the extra interest the higher rate would bring them.