Overdraft Fees charged on a PPI loan?

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In my view all overdraft fees that did occur when defaulting on a lone that had a PPI attached should be refunded without question. As without the increased Amount added for the PPI most of the repayments would of cleared.
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However, the thing that works against that being successful in most cases is that the monthly equivalent cost of the PPI is usually less than £50pm. Whereas the amount exceeding the overdraft is usually significantly higher and caused by other things.