PPI will it ever reach an end date.

That is the downside. So basically you can't win.

Are you sure that you did not ET?

Yes because although I held a credit card from 1987 it was with my bank and rarely used it. Most months there was zero usage and zero charges and I have never paid bank charges. It was not until several years after my wife's death in 1995 that I started using cards and I took out Credit Cards with Goldfish which became a Barclay's CC and with LLoyds neither of which I had a bank account with. I used to rotate the cards in my wallet and whenever one was not used there were no charges. **

My OH however did have PPI in the past and I am talking her into submitting a claim. 

** strangely I do the same now in that I have two credit cards that I rotate month to month and only use my main bank card for purchases where I can get a free 2 year warranty extension