I feel the need to tell other users about this because I think it could be really useful for anyone who is in debt and looking into getting a loan. Two years ago I took out a personal loan for £2000 to cover my debts. I didn’t realise at the time, but a few months later I discovered I was being charged for insurance I never new I asked for. Its called PPI and I've since discovered that many lenders try to sell it to you to protect your payments should you lose your income for what ever reason.

I'm sure for many people this is a good idea, but I was (and still am) in steady employment and was just getting an extra charge that was making it harder for me to pay off my loan. It took a lot of time and paperwork but I eventually got them to take it off.

I just thought other people should be aware when you are looking for loans that it may be 'slipped' in as a part of your loan you don't even realise you are paying.