I took out a secured loan with Blackhorse Finance and a PPI was included. They sent me my copy of the agreement with the policy terms included and stapled together as a pack. Time came to claim on the Unemployment provision and they refused to pay out. Took a year to persuade them but they restricted the pay out to 12 instalments as per the Clauses in the PPI. When I checked all this out I found that their terms are different to mine, they say I have an out of date policy document which is rubbish because this is the original signed agreement (by both parties). It appears that Blackhorse sell the PPI but LLoyds Tsb Insurance underwrites them and Lloyds say that Blackhorse have included the wrong terms - tough we ain't paying out anymore cash. I also discovered that Blackhorse get a sizable commission for selling the policy. Any advice as to the best course of action please?