I had a personal loan with Bank of Ireland and had taken payment protection out on it last year. I've just topped up the loan but decided to stop the payment protection on the new loan. The original total for payment protection was €2468 which was added to my first loan at the very beginning and the amount they have refunded to me 13 months later on a 60 month term loan is just €1276. I know that you have to expect to pay more payment protection on the loan in the first few years etc...but to take 50% of the policy in just over 1 year on a 5 year loan (and having to pay interest on top of the lump sum also), is this going to far? I rang up customer service to complain, but I got no real satisfaction. Is there anywhere else I can turn to to make my voice heard on this?