Yes, they offered me the same rate.

What I know for sure is as follows, hope it helps. You do not have to Pay Council Tax, If you are a Non-UK Citizen but currently a UK Resident with "No Recourse to Public Funds" clause in your UK Visa AND either you or your Spouse/Partner is a Full-Time Student. (if both are Students, of course you don't need to pay the Council Tax) However, you are liable to pay the Full Rate of Council Tax as soon as the Studentship is over. Read this document for more details: http://www.ukcosa.org.uk/files/pdf/info_sheets/council_tax.pdf

:)..... Happy Happy ! My Bank has refunded all the money I paid for the PPI with Interest. My monthly loan payment has decreased by just over £100 a month. So folks, if you have "No Recourse to Public Funds" in your Visa and have a PPI with your Personal Loan, Credit Card, etc Better you call your Bank and inquire. Not sure about Mortgages, how that works, but one of the Mortgage Brokers I spoke to at Countrywide Residential, showed me a Booklet, which states "You must be a Permanent Resident to get the PPI Benefits". He was the only one who had such a written record, not even my Bank

I had a call to the Bank this morning. PPI Advisor straight away agreed that the PPI was missold given that I cannot claim "Job Seekers' Allowance". So she said my loan has to be re-keyed without PPI. This will be as a new loan without the PPI. I presume, that everything I've paid towards the PPI will put forward for the capital repayments. But not sure whether I'll have to take a loan at a higher rate. Now the personal loans usually around 10% APR, but I had it initially for 7.9% APR. Eitherway I am losing my money, unless they offered me the same rate. They said they will contact me within 4 weeks. Any expert advise, what should I do next? Thanks.

Thanks a lot Yourbank. I've made an appointment with my Bank to discuss this, also I would be waiting for some expert advise to learn how to get this sorted.

I've got a personal loan in 2006 with HBOS with PPI added. Then topped up the loan in 2007 again with PPI. Recently one of my friends (Non UK Citizen), who had a loan with PPI lost his job and tried to claim for his repayments based on the Unemployment from HSBC. Then he was advised to register at the Job Centre and for Job Seeker Allowance. But he is not entitled for the Job Seeker allowance as he is in the UK on a Visa with "No Recourse to Public Funds" endorsed on the Visa. So he hasn't registered for the Job Seekers allowance and hence his claim is turned down. Now I have the PPI again with the same clause in my Visa, which I've paid for the PPI over 2 years for HBOS. Could anyone let me know has this been the case for you if you have the similar status in the UK? Also, what if I want to stop the PPI now and get the money back I've paid so far? I understand there are many "No Win No Fee" places to work on behalf of you to claim the money you paid. But wonder what should I do first? Thanks in advance.