Yep, claimed it back myself without any company, on my bank loan. Asked them, they sent out a few forms, Ii filled them in and sent them back and I got a cheque for £7500.... (bank loan which I took out in 2001 and only paid off last year, claimed the PPI shortly before that...). Easy peasy.
Enjoy watching London but it's definitely not for me.... waaaaaay too crowded, too noisy, London itself doesn't appeal and the entry process is just hassle.
Have ran Dublin as a city marathon but otherwise have only ran Loch Ness, (about 4000 runners), Lochaber (now defunct club race 300 runners max), Cape Wrath (about 50 runners, and a wee boat trip) - all road races, although you are lucky to see any traffic in CW..., Fort William (part road/trail, less than 400 runners), Glencoe (twice), off road, tough course 600 runners... and a few Ultras, all off road. Cape Wrath especially, you can be very alone for quite some time!! Plus I like to just enter and train... none of this entry costing a bomb, having to raise a fortune or ballot stuff. Much prefer the simple life with epic scenery.... but whatever floats your boat... the litter is also much much less of an issue as especially on Ultras we are encouraged not to throw any and often very very little is dropped.... happy days!!
I know people with a rHR in the 30's. They are very fit... something the medical profession is not used to. (I am a nurse). My ex's rHR is about 38 and his breathing at night was always very shallow and almost unnoticeable. If you have a low HR you likely have a low respiratory rate too.... to be honest it doesn't sound conspicuous to me. You could also have a genuine sinus bradycardia (low heart rate) which is just you. It just means your body isn't having to work as hard to achieve the same result - ie normal daily functioning...