Beneficial were part of HFC who were bought out by HSBC and are being wound up though I believe small pockets still exist.
There were all sorts of conditions on PPI which meant that many people wouldn't have been able to claim even if they had been paying premiums. Also if they pushed the PPI, or made you believe that you wouldn't get the loan without it then that would be Mis-selling. Beneficial and HFC did mis-sell a lo of PPI loans.
Asking about the original loan and PPI shouldn't effect your current agreement.
I think, though I'm not sure, that if you were under paying your loan repayments (as opposed to not paying at all) the PPI premium would have been given priority by the bank so would have reduced the payments that you were making against the loan and interest.
Get in touch with the bank and see if you can get details of the original loan and PPI then take it to citizens advice. You could try writing to them at HFC Bank Limited, PO Box 5207, Coventry, CV3 9FB.
If you give them existing account nuraber they should be able to give you all previous account nurabers.
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