First time posting, so apologies if this seems a little amateurish.
We had a loan back in 2004 that was spread over 20yrs, but it included PPI that was only going to be "live" in effect for the first 5yrs of the loan and would only pay a maximum of 12mths if I was out of work. We've settled it early but wonder if we can claim anything back ??
As a result of it being included as a front-loaded charge and being spread over the 20yrs, it cost almost £6k more than it would have if we had taken the loan over 20yrs and a separate PPI loan over the 5yrs.
Anyone have any ideas if this can be used as a claim for a refund ??