I am so glad I found this forum..I desperately need advice. I took a loan out with lloyds and was sold a PPI at the time I was on lower rate disability and working part time. I was told I had to have a PPI but would be covered as my disability didnt stop me from working. A year later my disability caused my mobility to cease so i stopped work, applied for it on a higher rate, got that and then applied for my bank insurance on my loan...I was told i didnt qualify as I had a pre existing condition!! This was in 2003. I was given a reduced rate payment but have found it really difficult to pay back what I owe and this has gone to a collections department. I complianed to lloyds insurers who wrote me a letter stating that i was informed about the conditions of the insurance..believe me i would never have taken a loan if i thought i couldnt pay it back. They also tell me they want me to send them a copy of the consumer credit agreement I signed with them as they dont have one as there is a 5 year lapse. The ombudsman tell me they should keep one for 6 years but even when i asked them for it 2 years ago they told me they didnt have one. Where do I go from here?