Took out loan 19/09/08 with PPI Bank paid PPI upfront and gave me a loan, which I understood I was paying PPI directly. Claimed PPI on the 18/5/12 ,they made one payment. PPI stopped paying the next month as I started one day a week. They made a lump sum payment to cover 7 payments and wouldn't make anymore. I cancelled PPI when they stopped paying. Now have bad credit record. What can I do ?