Here’s what Which? had to say about payment protection insurance:
PPI has been the subject of a prolonged mis-selling scandal. Not only have thousands of consumers been sold PPI without even being asked if they want it; others – for instance, self-employed people or those with pre-existing medical conditions – have been sold payment protection insurance although there is little chance it would cover them in the event they needed to claim. What’s more, PPI is expensive.
Adding payment protection insurance to a £7,500 personal loan, to be repaid over five years, could cost an extra £2,000 – £3,000.”
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