Mis-Sold Payment Protection Insurance (PPI)

 
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Do you think you've never had anything with PPI?

Are you sure? You might want to think again...

If you take into account the fact that PPI was mis-sold to consumers in many ways, but a common way of wrongly selling PPI was to put PPI onto loans, credit cards and mortgages without the consumer even knowing.

You may think you don't have anything with PPI, but if you had a loan, credit card or mortgage at any point over the last 15 years or so there's a chance it had PPI added to it. There's a further chance you never even knew, because they believed that a payment protection insurance (PPI) premium would have been evident to consumers where one was being charged. We can find out if this is the case then pursue your rightful compensation in a speedy and professional manner.

If you've had a loan, credit card or mortgage at any point over the last 15 years or so then get a claims pack. We can then find out if you did have PPI and if so, how much you can reclaim. Simply fill in the no-obligation enquiry form to find out if you have a claim.

 

"Around 50 MILLION PPI policies were sold to people who didn't need them or couldn't use them.
A lot of those consumers who were sold PPI didn't actually know they had bought it.
Only about 10% of consumers who were sold PPI have so far complained to their banks."
Natalie Ceeney, Chief Executive Officer of the Financial Ombudsman Service

This means there is still about 90% of PPI waiting to be reclaimed. There will be a huge number of people who don't even know they've had PPI added to their loans, credit cards and mortgages.

If you've ever had a loan, credit card or mortgage, fill in the no-obligation enquiry form. We will find out how much you are owed and get any mis-sold PPI money returned to you.

How were the banks mis-selling PPI?

Payment Protection Insurance is designed to cover loan, credit card or mortgage payments if you cannot work, for example, if you become ill or lose your job.

Banks and other lenders sold PPI to their customers without fully explaining what it covered. In the worst case scenarios, the banks and lenders told customers it was a compulsory element of a loan, or they simply added it without the borrowers' consent.
Elham Rizi, BBC Watchdog

The end result is that consumers ended up with a PPI policy that they often did not want, could not use or didn't even realise existed at all.

"PPI-hit consumers face stalling from banks" says newspaper report

According to the press the banks are holding up legitimate consumer complaints as they have rejected a third of claims over the last nine months. In November 2012 this hit a high of 44 per cent.

The rejection of these claims, could mean that more consumers have to refer their case to the Financial Ombudsman Service (FOS) in order to ensure that they get their money back.

The article implies that this means that consumers are having to wait longer for their money from a successful claim and some consumers having claims rejected by their banks take their claim no further meaning the banks don't repay what they should.

Don't be one of these people. Using us will mean you use a resource that has experience in reclaiming mis-sold PPI from the banks along with many thousands of successfully compensated customers. Make a claim through us and receive any refund you are due in the quickest amount of time possible. Fill in the no-obligation enquiry form to start your claim.

PPI complaints to ombudsman soar as banks fail to deal with claims

Miles Brignall of The Guardian says: "Consumers complained to the Financial Ombudsman Service (FOS) in record numbers last year, as the fallout from the payment protection insurance (PPI) mis-selling scandal continued and financial services customers became more aware of their rights."

Don't let this happen to you.

Using us to reclaim your mis-sold PPI means you are using a company with experience of making claims. If your claim has to go to the FOS this can increase your waiting time to receive any refund you are due by well over half a year. We will take claims to the FOS that get rejected if we feel there is a case to answer but do what we can to get the claim resolved fairly without this having to happen.

The fact is that two in three of the claims made against the ten most complained about banks were later upheld by the FOS in 2012. The banks rejected legitimate claims and will continue to do so.

If the banks have said you don't have a claim come to us instead.

Below are figures from the Financial Ombudsman Service (FOS) showing claims they received and upheld for some of the main high street banks.

Lloyds TSB was the subject of 45,727 complaints to the ombudsman, 42,195 about PPI, of which 86% were upheld; Bank of Scotland attracted 34,434 PPI complaints, of which 81% were upheld; while another Lloyds Group business, Black Horse Limited, accounted for a further 5,888 complaints about PPI, of which 97% were ruled in the customer's favour by the ombudsman.

Reclaiming your mis-sold PPI

We take all the leg-work out of making a PPI claim.

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  • Enter your details in the boxes of the no-obligation enquiry form to start your claim.

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  • We send you our no-obligation claims pack which will be sent at no cost.

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  • You fill in the required forms and return it to us.

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  • We will write to all the banks and/or other lenders that you have had loans, credit cards and mortgages with to reclaim all your mis-sold PPI or find out if you have PPI that you didn't even know about and if so claim that.

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  • You sit back and wait for your money to be returned to you. Typically this takes about 3 months however some cases are considerably quicker than that.

     

     

    The first step is to find out if you have a claim and how much it could be worth. To do this simply fill in your details in the boxes to the right.

    We will send you our no-obligation claims pack which will be sent at no cost and which has all you need in it to get your money back. If you decide you want us to reclaim what you are owed you return this to us then we proceed to get you back your money.

    There are two kinds of people who have been mis-sold payment protection insurance (PPI).

    1. People who know they had PPI with a loan, credit card or mortgage.
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    3. People who are completely unaware that PPI was added to their loan, credit card or mortgage; PPI was added without them knowing anything about it.

    If you've ever had a loan, credit card or mortgage you could well be one of these two kinds of people. We can help you either reclaim the PPI that you know was mis-sold to you or find out if PPI was added to any loan, credit card or mortgage that you have taken without you knowing about it. If you didn't know you had PPI then you can definitely reclaim this.

    We have been helping people reclaim their mis-sold PPI for over 3 years and have made thousands of successful claims. If you are thinking about reclaiming PPI, or if you want to find out if you can reclaim, or if you want to know if you have PPI at all, then we will help you do this.

    Making a claim or finding out what you have and how much you are owed by a bank is easy with us. Simply enter your details in the boxes on the right and we'll send you out a very simple claims pack to fill in. You then return this to us and we will then do everything that needs to be done to get the information you need from your bank and reclaim what you are owed.

    Enter your details in the boxes below then click on the 'Submit' button. We specialise in reclaiming mis-sold PPI and can find out if you can claim and how much you could be owed.

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    Please include all loans, credit cards and mortgages you have taken in the last 15 years including those you've paid off as well as any you still have now.
     
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    Fill in the no-obligation enquiry form today. We specialise in reclaiming mis-sold PPI and can find out if you can claim and how much you could be owed. Page keywords are PPI Misselling Refunds, Wrongly Sold PPI Insurance Reclaim, Claim PPI Refunds, Mis Sold PPI PPI Refund, Wrongly Sold PPI Compensation Reclaim.

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