Hi - I have a Loan with Beneficial Finance taken out in Feb 2007, I too PPI out and when I needed it I was refused so I cashed in the remaining and spent it, I was making regular payments on the loan until this point then I have 8 months off unpaid and couldn’t afford the full monthly amount then I was made redundant in November 2008 and then reemployed in Feb 09 but I still owe more then I took out, Can anyone give me advice on what I need to do or what I can do to get this cleared and get my on track. Many Thanks