The Payment Protection Insurance was made to protect people (at least to give them some relief) from not being able to pay the debts. If that is the case, PPI helps them to pay back the debts and later on they can arrange money.   Sometimes, PPI is miss sold to people. They are not elligible to buy PPI but they are sold by the banks and other financial institution.   PPI Claims Made Simple by some professionals. You must take their help to claim back your money in case you've been miss sold the PPI.