i was approached by a cold call.had been thinking about ppi for some time so the call made it easier and less hassle.took some time to think of the company's i had used but the person on the phone helped to make it easier. process was started and more forms through the post to be filled out, not to difficult. when the claim was successful it was continuous calls asking for their invoice to be paid.had to explain that i was waiting for the cheque to clear and then i would pay(obviously) last one that came through was paid to me by bacs which i never realized but kept getting phone calls and txts,also wasnt aware of the 30% +vat charge,i think that is a bit high