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ppi

Hi am stupid as I know if you reclaim ppi any money paid out in a claim taken off the sum given.However if one of your complaints is that the front loaded ppi was unfair then if you had got one which was ongoing with the loan say 10 pound a month then you could have had the same sickness benefit as with a front loaded one.So would it not be better to take the amount which could have paid monthly from the ppi paid .I know this is not the case but wondered why.

Please don't shout if this is a stupid question.thanks

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