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Brighthoude are not part of Provident Financial, but they do use the same policies of forcing you to take out their PPI, but usaually the have agreed your credit before they throw in the PPI, so all that needs to be done is if they then refuse you the goods then tell them you will report them to the OFT for not making the PPI optional, I'm sure you would be offered the credit without the insurances, but beware they might come back with "they have to redo the credit agreement" and i would expect you will find that your payments would be around about the same as with the PPI as they would manipulate the figures and give you a higher APR.
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Provident · Your Comments !! Help & advice