PPI - Why oh why?

I'm not sure if anyone has started reading this based on the title, and as such will be expecting a scathing well written attack on the banking world; a well advised blog about the unethical practice of misselling payment protection insurance. You might even be hoping for a thorough discusssion of this PPI debacle that is costing and will continue to cost the banking world billions of pounds. Well I'm sorry to disappoint you, because my blog is not about that.

Why oh why have I never been mis-sold PPI? Who can I complain to? Like most of my peer group I have had loans a plenty over the years, credit cards, insurance, loans to consolidate debt, HP on cars, etc. etc. I have checked everything with a fine tooth comb over the last week and there is nothing, I have never ever been mis-sold anything, I was planning holidays, a new car, a loft conversion with the thousands of pounds I was due, and yet nothing. I even complained to a well-known mortgage provider about them not ripping me off, but I didn't get anywhere.

I think the banks should have to set up a side fund for the people that they haven't ripped off...

And now to further confuse matters, according to the latest reports, the PPI scandal involves such large repayments that it will affect the performance of the economy in a positive way - with a predicted increase in GDP of 0.7%

What do you make of this - have you NOT been ripped off? Or are you one of the 'lucky' ones? Feel free to leave your comments below...