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Agnes Said:

Can I get separate loan repayment insurance that isn't from the loan provider?

We Answered:

Look mate I price this insurance for a large bank and we do charge a lot more than independent insurers.

These people are probably the cheapest you'll find - I think you'll be amazed at how cheap they are:

www.paymentcare.co.uk

And yes you should be able to apply for cover even though you have already repaid some of your loan.

Donald Said:

can i cancel protection insurance on a loan?

We Answered:

It depends. What type of a loan is it? Some loans may come with the stipulation that you have protection insurance on it --- if you cancel, they may be able to call in the loan immediately.

Best to check with the company that issued you the loan.

Irene Said:

Payment protection on a loan. I've had a loan for 2 years and took out payment protection insurance. ......?

We Answered:

Payment Protection Insurance is known for this sort of thing occurring. The CAB are currently running a campaign against precisely this issue.

The first thing to check is whether you were ever eligible for a payout. Talk to a CAB or financial advisor if possible, as they can give you practical advice. If you weren't eligible you may be able to get some of your payments back for mis-selling.

MoneySaving Expert also has a piece on misselling and how to reclaim: http://www.moneysavingexpert.com/reclaim…

The Motley Fool suggests the Ombudsman is the best way: http://www.fool.co.uk/news/foolseyeview/…

If you were eligible and they are refusing to pay, then you need to write back to them, stating the position and that your claim was for the first job and not the second.

Also, regardless of whether you are eligible or not, contact the ombudsman and see if they can help. http://www.financial-ombudsman.org.uk/ Their website has advice on this.

Frances Said:

Is this loan company a big fake?

We Answered:

Any time someone ask for money up front for a loan, it's a scam.

Besides, Arcadia no longer even exist. They were part of Citifinancial along with Trans South, over a year ago they all became known simply as Citifinancial.

Chad Said:

unlawful about charges on a loan with insurance ?

We Answered:

EXACTLY what kind of insurance did you buy? Without an answer to that question, we don't know what the insurance is supposed to cover. You need to have the policy reviewed be an attorney.