If you do have a claim you can do it yourself, it might take you longer but these companies take up to 40%
If you're with Natwest or RBS write to here
R.B.S
Data Protection Manager,
Regulatory Risk,
Business House B,
2nd Floor,
P.O. Box 1000
Edinburgh
EH12 1HQ
For Credit Cards
Card Retail Operations,
2nd Floor,
Thanet Grange,
Southend
SS0 0EJ
Just ask them to send any info on any thing that is likely to have a P.P.I.attached to it, no need to give any details just your name address bank and credit card supplier. It takes a few weeks to come through but better then paying somebody a big lump to get your own money back.