I reckon you should ring them up and ask them about it- it's something I deal with regularly and normally it goes like this-
- Removing ppi from a current loan- they will be used to this query as it's a hot topic at the moment, so they will probably advise you that you need to re-write your loan without it. This isn't a con and it would be the same if you wanted to add it, because it fundamentally changes everything about your agreement, the total interest (you will be paying interest on the cost of cover) and the amount you pay each month. It's possible, if your loan is in the latter period and you have paid off a lot of the interest and cost of cover already, that it isn't actually going to save you anything overall. The advisor will be honest about that because they have to be, it's more than their job's worth not to be straight up.
- Refunding ppi already paid for on a current or completed loan- if you want a refund of the cost of the cover in total throughout the term, A & L will have to investigate and ascertain whether or not it was mis-sold to you. This would mean that it was in some way inappropriate for you and you wouldn't be able to claim, or the exclusions would render it useless. It would also be refunded if you would directly and deliberately mislead or treated unfairly as per the FSA guidelines at the time it was sold. The need to query it and the route that would take depends on whether you applied over the phone or in a branch. They have up to 8 weeks to resolve this once you have raised it as a formal complaint and you need to call them to do that. They should really have rung you by now if you wrote in but it may not be their policy to do that, I wouldn't want to say.
Hope that helps a bit :)