Hi everyone, thought I'd give a run down of my "agreement" on here and see what you all think of it and whether I can either get it written off or claim the PPI back... In August 05 I borrowed a total of £3425, with PPI of £1093 and at 44%APR another £3082 giving a total of £7642.05 (all I wanted was £2k but I had to pay off part of another loan with them first, £1400) Included in all this was a £75 acceptance fee and it was payable over 36 months. £212.28 per month. I'm 15 months in if I've worked it out correctly meaning I have 21 months to go. £4457.88 Now - I registered with Checkmyfile.com and according to that, as of August 06 I owed them £3601, obviously that is 4 months out of date now so it is in fact £2752. WTF is going on? This is an elephant on my back now - if I didn't have to pay this out each month I wouldn't be getting to week 3 and needing to borrow off friends for the last week of the month and so spending next month before it comes.