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Quick PPI Question

Hi All
Sorry don't know if this is the correct place to ask this question but here goes.........OH has a Halifax Loan taken out in 2008 which has front loaded PPI this account is now with Blair Oliver & Scott we we're going to try to claim the PPI back as mis sold however the company my OH works for doesn't pay sick pay (he has had health issues in the past) so my question is do we leave the PPI in place just in case he is ever off work sick and needs to claim but would the PPI policy still cover him as the loan has defaulted ??

Thanks in advance for any advice.
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