Thread: central credit PPP refund

hi everyone, been an avid reader of CAG and find it very interesting
i took out secured loan with the above firm, and upon their advice took with it a PPP (payment protection plan)
now after a couple of years, i found out by accident that i would not be covered by the ppp in the event of me being made redundant, as i am self employed.
i DID inform them in the application form, and by telephone when they rang that i was self employed.
the loan i took out was for 25000.
and a ppp to suit that amount.
i approached central credit with a letter stating that i want to cancel my ppp with them and they creditied me with 4087 pounds.
now question is
as it was paid up front and added to the loan, can they attach it to the remaining balance without reducing my payments.
can i ask them to refund the money to me in full
or can i ask fro reduced payments in lieu of the 4087 for a period of time.
looking forward to a great debate with this
regards richard