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Picture Finance secured loan


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hello all


I took out a secured loan with picture 4 years ago paying £546 per month for 25 years ( the worst thing i have ever done my i add ) , however , i was curious to find out if when the initial 5 year period was over and the ppi no longer was in use would my payments reduce each month


i rung Picture ( now target ) to ask and was told that because last year i received a payment of £ xxxx as part of the ppi deal after 3 years , now when the 5 years of the ppi cover is over my payments will stay the same for the remaining 20 years .. Surely this can not be fair having to continue to pay £546 every month and no longer having the PPI cover , should the monthly payments be reduced to show this ?? or is it just another way of ripping the desperate off yet again and nothing can do about it


Any help very much appreciated

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