It's an incredibly successful industry with 20 million customers. But it's worrying consumer watchdogs so much that it's been called a "protection racket". PPI - Payment Protection Insurance - is meant to help with loans and mortgages if you fall ill or lose your job, but too often it's letting people down. Max Flint investigates for the last in the current series of The Money Programme, which returns next month. Producer Dan Trelford ; Editor Clive Edwards