Despite my saying flat no several times, A &L added 4500 in PPI to my loan and I pais this plus interest on it for three years. When I got in trouble last year, I discovered it and claimed it. I can't believe I signed that agremeent without noticing it, but there's a measure of the stresses of life. Being self employed, the insurance was worhles, that's why I never asked for it. A & L never wrote accepting their liability, but they were offering to reduce the loan. A lawyer I spoke to on the phone said "don't sign it". At the time I couldn't afford a paid lawyer. In any case it all just went quiet for a few months but now Santander have picked it up and passed it to a debt collector. I then said sorry but it's in dispute. Now I finally have been sent my requested copy (photocopy) of the agreement and it seems OK. It was dated 18th April 2007. Too late for some of the rules apparently. It was signed by them before sending out as was the MO at A&L back then apparently. I have no record of ever receiving a copy back afterwards and I never saw any terms of the insurance. My question is: If the contract was OK, why would they want tme to sign a new one and if it is not, can anyone work out what might be wrong and if I could get it written off altogether. It all seemed funny at the time when the banks imploded and I lost my work , but the real bummer is that becasue of the default, I have now been refused my previous type of roles at banks, who suddenly demand a perfect credit rating, but I should still keep paying them. If anyone is aware of A&L/Santander contracts maybe they could advise. By the way I am not sure that the refund of PI is still on the table. E