Help Please First Direct Totally Confused

ems100

Hello
I finally managed to get the t&c's from my FD loan - lots of messing about to get there. The loan was for £1300 in 2000! I still owe £375. 2000/01 were very stressful years for me and I got into debt. I remember the phone call applying for this loan and being told to tick the loan protection box and feeling reassured this would cover me for illness etc.
Now I feel a bit stupid - I rang First Direct and the man was really helpful. He told me the loan was cleared in April 2001- they amalgamated the loan with my overdraft totalling a new balance of £1920 - I remember going overdrawn to pay the rent and deposit on a flat having left to live in another town. I then signed a repayment agreement on this amount. By Aug 2004 I had repaid £600 and owed £1343-35. By Aug 2005 it was £1194-53. March 2006 was £981-89. I then had to reduce payments (left work- babies) - 2009 was £646. I asked him if I had paid this and was paying interest and he said I probably was - so I have gone from thinking I may have a small loan protection claim to confused - can I claim anything at all? I am not denying any obligation - just trying to sort my financials out once and for all!
Sorry to waffle on - but thanks for reading if you have! Any advice appreciated

amersall

You need to ring back and ask if there is ppi on there,they should tell you this.
Look here for reasons for reasons for mis sell

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step2
I fthey say that ppi is on there, then be ready with reasons to claim mis sell,they may do this over the phone.