To the OP - so you were one of the people stupid enough to pay loads of extra money on your loans to the banks, for no good reason.
I really view PPI repayments as a reward for boneheadedness.
Sounds like you have swallowed every line sold to you. At least seven of them.
At least in the future we can be assured that your money will be easily parted from you again.
I have some old rope here - I'm sure you must find that interesting....