homebuy do not have ppi, what you have been sold is omc, optional maintenance cover (not optional) homebuy do not have anything called ppi. The sales rep has explained the ppi wrong, the only thing there offer that is if you take out the omc and your circumstances change you send back the goods and make no further payments. Last week they announced to there staff that they are no longer going to be providing new products to either new or old customers. The company has failed to secure 25 million in investment and as a consequence is left to collect out the existing accounts. What i recommend is a hand written letter to their head office stating you wish to cancel the optional maintenance cover on all your products and a statement of your accounts then offer a £1 a week payment. They cannot refuse you on either account. Next week a website is going to be launched purely for the scams homebuy pull on customers these include; omc - not being optional rescheduling of accounts - lowering your payments without your knowledge and still collecting full payments. Prices - Hidden charges you dont know about Returning of items - do's and dont's also checklists on how to play their own system. I will update this forum when the site is launched