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The PPI Deadline date has been set by the Financial Conduct Authority (FCA). You now have until 29th August 2019 to submit your PPI claim.

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Everything you need to know about PPI

Payment Protection Insurance, commonly known as PPI, has been sold to millions of people throughout the United Kingdom (UK) over the past 30 years. You may be wondering what PPI is or if you may have been mis-sold PPI.  Find out more about what PPI is, how to check if you had a PPI policy and how to claim back money you have paid for PPI with our guide to everything you need to know about PPI.

What is PPI?

You have probably heard about PPI. PPI stands for Payment Protection Insurance. However Payment Protection Insurance is more commonly known as and referred to as PPI. PPI was designed to cover repayments in certain circumstances where you could not make them yourself.

This might be for example; if you cannot work due to an accident, illness or disability, or if you are made redundant.

The types of finances PPI has been sold with and that PPI covers is loans, credit cards, mortgages, car finance, overdrafts, and other types of credit too, like store cards and catalogue accounts.

Millions of PPI policies have been sold over the past 30 years and in the past they were often mis-sold. Many people who were mis-sold PPI have already complained and billions of pounds has been paid back. However the Financial Conduct Authority (FCA) has stated that there could still be millions more PPI policies that would qualify for redress without the PPI policy holders being aware.

As many as 64 million PPI policies have been sold in the UK by banks, car dealerships, brokers, and other types of lenders and it has been identified that PPI has been widely mis-sold to millions of people in the UK.

Due to the scale of the mis-selling of PPI the Financial Conduct Authority (FCA), who is the financial regulator of lenders in the UK, has taken action against many of the lenders and companies responsible for the sale of PPI. The action that the FCA has taken has resulted in many of the UK’s biggest banks and financial institutions being fined for mis-selling PPI and the way in which PPI was mis-sold to their customers.

It was not just the banks and lenders that mis-sold PPI to their customers, as many banks and lenders used brokers to introduce customers to them and to set up credit agreements on their behalf.

If you are unsure whether you have ever had PPI or you are thinking about claiming for mis-sold PPI we would urge you to do so as soon as possible as the Financial Conduct Authority FCA has now set a deadline of 29 August 2019 for all complaints to be made to claim for mis-sold PPI.

Payment protection insurance (PPI) Explained

What Is The PPI Scandal?

The PPI Scandal is possibly the biggest financial scandal involving most of the major banks and financial institutions to take place in the UK in recent history. The PPI scandal started and it became controversial because it had identified that PPI had been widely mis-sold.

 

It has been said that the PPI scandal is the biggest mis-selling scandal that the Financial Ombudsman Service (FOS) has ever seen.

 

PPI (payment protection insurance) was designed to help people continue making payments in certain circumstances, such as if they unfortunately lost their job, had an accident, and less commonly to cover payments in the event of death. PPI is meant to cover such finances as loans, credit cards, overdrafts, mortgages, car finance, catalogue accounts and store cards.

 

PPI in itself is not a bad product and can be a very useful product and form of protection to cover your finances and payments should you not be able to make them due to sickness or unemployment. However the problems with PPI have mainly come from the way in that PPI has been sold to customers by the banks, lenders, PPI providers, PPI underwriters, and their representatives.

 

Like any type of insurance that is taken out different PPI policies had certain restrictions attached to them which normally included the terms and conditions of the policy, any applicable restrictions of the policy, and eligibility requirements to ensure that the policy would provide sufficient, cost effective and valuable cover to the people that it was supposed to cover and sold to.

 

Many people discovered that they had been paying for PPI for many years only to have their legitimate claims refused when they tried to use their policies when they were unable to work due to sickness and unemployment.  People were being told by the providers and underwriters of the PPI that they were not eligible to make a claim on their PPI policy or that what they were trying to claim for was not covered by the PPI policy.

 

Obviously if millions of people have been paying for PPI policies that they were advised would cover them and when they try to use the policies a high number of claims are rejected, then this is going to cause quite a fuss and generate a lot of attention. This is exactly what happened with PPI and is one of the major reasons as to why the PPI scandal began.

 

PPI was first brought in to the headlines as potentially being a bad value product by both the Citizens Advice Bureau and Which the consumer charity. Both organisations campaigned for many years to bring PPI in to the spotlight and both organisations carried out their own research and investigations in to PPI. The findings of the research carried out by Citizens Advice Bureau and Which were published and presented to the UK regulator at the time who were the Office of Fair Trading (OFT), and then the OFT and the Competitions Commission who were responsible for investigating mergers, markets and other enquiries related to regulated industries under competition law in the United Kingdom, carried out their own investigations in to the PPI market.

 

Once the findings of all of these reports and investigations were compared and published it became very clear that there was very large scale problems with the way in which PPI had been sold and many questions started to be asked about the suitability of PPI as a mainstream product. With all of this information out as public knowledge the PPI scandal unfolded in a large way and led to many of the large banks, lenders, brokers, and other financial institutions in the UK being fined for their involvement in the sale of PPI. There was also a landmark ruling made by a high court judge in 2011 called the Judicial Review that paved the way for the PPI scandal to reach the level that it has reached today.

 

Another major reason why the PPI scandal began is because it was identified as far back as the 1990’s that people had actually had PPI added on to their finances by their lenders and their finance brokers without the customers permission and in a lot of instances it began to appear that the PPI had been added on to the finance even when the client had declined to take the PPI.

 

It was only many years later when the PPI scandal actually broke out that people began to be aware of the PPI and began to check for the PPI on their own finances, that the scale of the PPI policies that had been sold and the potential mis-selling that had taken place was huge.

 

To add even further insult to the PPI scandal it was later discovered that the lenders and brokers of PPI had received massive commissions from the underwriters of the PPI, for selling the PPI. However these commissions were rarely discussed with or disclosed to customers even though the commissions were sometimes in excess of 80% of the cost of the PPI.

 

In fact the failure of the lenders and brokers to disclose these commissions to their customers has led to a further and more recent PPI scandal called the Plevin Ruling. The Plevin Ruling is directly in relation to the non-disclosure of the high levels of commissions paid out and received for the sale of PPI. For further information on the Plevin Ruling please visit our Plevin- Unfair Commissions page on this website.

Products That PPI Was Sold On

A lot of people are uncertain of exactly which finances PPI was actually charged on and this can cause confusion for many people who have taken out finances and would like to find out if PPI has ever been sold with or added on to their finances.

 

Below is a list of the types of financial products that PPI was most often sold with:

 

Personal Loans

Secured Loans

Point of Sale Loans (for example in shops and retailers when purchasing furniture or electrical appliances)

Flexible Loans

Hire-purchase Agreements (for example when buying a car, motorbike, or caravan etc)

Credit Cards

Store Cards

Mortgages

Overdrafts (occasionally and dependant on the lender as to whether they sold it or not))

Catalogue shopping accounts

Business Loans

Business Credit Cards

Business Overdrafts (occasionally and dependant on the lender as to whether they sold it or not))

Business  Mortgages

 

 

Who Sold PPI?

PPI has been sold to customers by many of the largest banks, lenders, car dealerships, and brokers in the UK. There are a massive range of companies who have sold PPI and we will list a few examples below for you. If you would like more information on which companies sold PPI and to view an extensive list of the most common lenders and providers that sold PPI, along with the other lenders and providers that may have sold PPI or been involved in the PPI process please visit our PPI Lenders List and PPI Lenders pages.

 

Common Banks And Lenders That Sold PPI:  

Lloyds Bank

Barclays Bank

NatWest Bank

RBS Bank

Halifax Bank

Bank of Scotland Bank

HSBC Bank

Santander Bank

Clydesdale Bank

Yorkshire Bank

EGG

Capital One

MBNA

 

Common Sore Cards That Sold PPI: 

 

Burtons Store Card

Debenhams Store Card

Dorothy Perkins Store Card

GE Capital Store Card

House of Fraser Store Card

John Lewis Partnership (JLP) Store Card

Marks & Spencer (M&S) Store Card

Miss Selfridge- Store Card

New Look Store Card

Topshop Store Card

Topman Store Card

 

Common Catalogues That Sold PPI:

 

Littlewoods

Kays

Great Universal

Very

Marshall Ward

Freemans

Kaleidoscope

Grattan

Choice

 

Common Car Dealers And Car Finance Lenders That Sold PPI:

 

Black Horse

PSA Finance (includes Peugeot Financial services and Citroen Financial Services)

Welcome Finance

BMW Financial Services

Vauxhall Finance (includes GMAC and GM Finance)

How To Check If You Had PPI

You can check for PPI by taking advantage of our Free PPI Check. If you are unsure if you have been sold PPI with any of your finances our Free PPI Check can help you to find out if you have ever had PPI. Our PPI Check covers all finances types including Loans, mortgages, credit cards, overdrafts, car finance, In some instances we have even identified PPI that had been added on to and sold alongside life insurance policies.

 

You can also check your old bank statements and credit agreements to see if you have had PPI.  If you do not have any documentation such as bank statements or credit agreements then the other options available are to check with the company that you got the loan or credit from, or to check your credit report to see if any of the finances that you have had may still be listed on your credit file.

 

Even if you do not have any paperwork at all or you cannot recall exactly who your lender was do not worry, as we would still be very happy to assist you to check all of your finances for any PPI that may have been added with our Free PPI Check.

 

If you’re still unsure whether you want to make a PPI claim you can check the mis-selling checklist below.

But many people took out the product so long ago it’s difficult to remember exactly what happened.

In this case, you shouldn’t be afraid to put in a claim as there’s no limit to how far back you can claim PPI.

If your answer is ‘no’ to one or more of the following questions, it’s likely you were mis-sold PPI.

 

  • If the insurance was optional, was that made clear to you?
  • Did the adviser tell you about any significant exclusions under the policy – for example, the exclusion that says you won’t be covered for any pre-existing medical condition?
  • If you took out a loan or finance agreement, did the adviser make it clear that you would have to pay for the insurance upfront in one single payment?
  • If you had to pay for the PPI as a single payment, did the adviser make it clear that the insurance cost would be added to the loan and that you would be paying interest on it?
  • Single premium PPI insurance normally only lasts for five years. If your loan or finance agreement was for longer than this, did the adviser make it clear that the insurance would run out before you had finished paying for your loan or finance agreement? The adviser should also have told you that you would continue to pay interest on the insurance premium, even after the insurance expired.
  • If you bought PPI after 14 January 2005, did the adviser try to persuade you to take it out by saying something like: ‘We strongly recommend that you consider taking out PPI?’ If so, the sale counts as an ‘advised’ sale and they should have issued a ‘demands and needs statement’ to show why a particular policy has been recommended, and why it’s suitable for you. If they didn’t, this is grounds for complaint.
  • You can complain if you think your provider earned a high level of commission from your PPI and this was not made clear to you when you bought it.

What Is A Free PPI Check?

A free PPI check will enable you to find out if you have ever had PPI sold or added on to any of the finances that you have taken out with your lenders and credit providers over the years.

 

We can find out for you for free from your lenders if you have ever had PPI on any of your Loans, credit cards, car finances, mortgages, overdrafts, store cards and catalogue accounts.

 

By making an enquiry with our company or simply completing our short form we can begin the process of a free PPI check for you.

 

For each lender that you would like to check with for any PPI you will need to sign a letter of authority (LOA). A signed LOA instructs the lender to cooperate with DN Manley and enables each of your lenders to provide details of any PPI that may have been held on your accounts and finances.

 

Once we have identified if you have had any PPI we will get in touch with you to discuss your options and ensure that you are provided with the information to enable you to make an informed decision.

 

Our free PPI check service is completely free and you are under no obligation to proceed with any PPI claims even if PPI is confirmed on any of your accounts or finances. If we establish that you did not have any PPI after completing our free PPI check you will never be liable for any charges whatsoever.

 

If our free PPI check does find PPI and at that stage you would like us to proceed with any claims for mis-sold PPI on your behalf we will take further instructions from you and proceed with a PPI complaint on your behalf to any relevant lenders.

 

Our fees are only payable if our PPI complaint is successful and you are actually able to receive some money back to you for the mis-sold PPI as a result of our PPI complaint.  Please note that if your claim is unsuccessful and you do not receive any compensation as a result of our PPI complaint then we will not charge you anything. So you can rest assured that our free PPI check is in fact a 100% free service.

How To get started with A PPI check

To get started with a PPI Check all you have to do is either fill out our short enquiry form which is on every page of this website including this page, or you can contact us by any other method that you wish including by telephone, email, or by post. All of the methods with which you can contact us by are included on our contact us page of this website, so for further information on how to contact us or on how to enquire with us please visit our contact us page.

 

To use our PPI check is completely free of charge and it is run on the basis that you are under no obligation to proceed any further if you do not want to upon completion of the free PPI check.

 

All that is needed to start your free PPI check is some basic information then we will check for any PPI with your lenders.

 

If you do enquire to us through this website to request a free PPI check then we will contact you very briefly within 24 to 48 hours of your enquiry in order to confirm with you that the enquiry we have received is in fact from you and to confirm that we have the correct address details for you in order to proceed with a free PPI check.

Will Making A PPI Claim Affect My Credit Score?

Many people have been holding back from making a PPI complaint or checking if they have PPI with their lenders because they are worried that it may affect their credit score. Please be assured that your credit score or your relationship with the lender will not be negatively affected should you wish to check or complain about a PPI policy.

 

If you are going to check or complain about PPI you will need to do so before the FCA’s announced PPI Deadline of 29 August 2019.

Check If You Can Complain About Mis-sold PPI

To check if you can complain about PPI you will need to know the name of the lender who you took out the finance concerned with. Once you know who you took out the finance with you will need to find out if PPI was actually sold with or added on to that account before complaining about any mis-sold PPI.

 

If you are unsure of exactly who you took your finance out with and you have no proof of PPI you can find this information out by either contacting all of your lenders and finance providers directly yourself to request the information, or you can contact DN Manley to request a Free a PPI Check as part of the PPI Checking service that we offer. Our PPI Checking service is a 100% completely free of charge service and can assist you to find out who your previous and current lenders are, and establish if PPI has ever been attached to any of your finances that are traced.

 

Once you have identified that PPI was sold on any of your accounts and you would like to proceed with a complaint for mis-sold PPI you will then need to establish on which grounds you think that the PPI was mis-sold.

 

There are many reasons why PPI may have been mis-sold, however we reguarly come across three main areas of concern that are regularly and commonly identified as reasons and grounds that can show you may be eligible to make a complaint for mis-sold PPI. These three areas of concern are; Ineligible To Make A Claim On The PPI, The PPI Was Unsuitable, and The PPI Was Sold Incorrectly.

 

Please find below some of the reasons why PPI may have been mis-sold to you and valid reasons to make a PPI complaint. If any of the reasons and grounds for a mis-sold PPI complaint below is applicable to you then you may have a good reason to make a complaint for PPI:

 

 

 

Reasons And Grounds For A Mis-sold PPI Complaint
  1. Ineligible To Make A Claim On The PPI
Pregnancy related illness / maternity leave

 

I have had a child since the finance was opened so there have been large periods of not being eligible for the cover.

 

Temporary worker / Contractor / unemployed
At the time of taking out the finance and has been/was the case throughout the finance period I have not been in receipt of a permanent contract and therefore would not have been eligible for this policy.

 

Retired / Over 65

 

At the time of taking out the finance and has been the case throughout the finance period I have not been in receipt of a permanent contract but retired and having been made aware of what the terms and conditions for retired people were in hind sight I would never of took this policy.

 

Pre-existing condition / Chronic condition (Inducing Asthma, diabetes, arthritis and many more conditions)

 

Prior to taking out the PPI policy attached to my finance I had a pre-existing / chronic condition and should it have reoccurred I would have not been covered. I feel although this was not the case had the condition reoccurred I would not of been eligible to claim making this policy not worth the value that I paid for it.

 

I worked less than 16 hours per week

 

I am now aware that as I was not making National Insurance Contributions due to my working less than sixteen hours per week I would not have been able to make a claim on my policy.

 

I was Self Employed / Company Director

 

A. I was told by the sales person as I am self-employed I had to take out the PPI policy to be accepted for the finance and was not fully made aware of the terms and conditions surrounding self-employed people and if I was aware I would have declined to take the PPI policy with my finance.

 

B. I was not fully made aware of how the terms and conditions applied to me as a self- employed person and had I been I would have declined to take the PPI policy with my finance.

 

 

2. The PPI Was Unsuitable
Sick pay

 

Should I have been unable to work due to having an accident or suffering with an illness I would have received full sickness benefits from my employer and I would have been able to continue making the contracted monthly loan payments for twelve months as covered by your policy making it unsuitable for my needs.

 

Enough redundancy entitlement to easily cover debt

 

My employer redundancy policy is/was numerable enough to easily clear my outstanding debts should I become redundant.

 

Savings

 

Should I be made redundant or my health not be strong enough for me to work I have/had funds available to make any payments to any finance.

 

My Partners income sufficient enough to support us

 

Should I be made redundant or my health not be strong enough for me to work my partner would make the funds available to make any payments to any finance I have/had outstanding.

 

 

Other Insurances

 

I have a separate policy which in the event of me being unable to earn a living due to ill health or redundancy from my position would cover my monthly payments for 12 months as covered by your policy making this unsuitable for me.

 

 

3. The PPI Was Sold Incorrectly

 

Told that it was compulsory- I was told if did not take PPI I would have been refused credit.

 

I was led to believe at the point of sale of the PPI that if I did not take the insurance policy with the finance I would have been refused the finance I needed. They certainly did not make it clear the policy was optional or tell me about any cooling off period.

 

PPI Was added to finance without consumer being fully informed

 

I had no idea that I had PPI on my account. I never take out this kind of policy as I have other more suitable cover so it was put on without my knowledge. Until recent media coverage I did not know I had any payment protection insurance attached to my finance as I was not told about this at the point of sale, so if I had needed to make a claim I would not of known I was able to.

 

Not informed that other company’s do similar covers that you do not pay interest on

 

I was also not made aware that there were other products available on the market and was led to believe that this was the only cover available to cover my Loan payments without all the specific terms, conditions and costs being explained to me.

 

Pressure selling

 

I felt as though I had to take the cover as the sales person was very insistent that I take the cover so I agreed to take the PPI so I could just get on with the process without the adviser explaining all the terms and conditions to me.

 

Not told about cooling off period

 

I was not advised I had a 14 day cooling off period where I could not cancel my policy without affecting my financial application nor that I could cancel at any point thereafter with a partial refund of my policy applied.

How To Claim For Mis-sold Payment Protection Insurance (PPI)

The most straight forward way to claim for mis-sold payment protection insurance (PPI) is to first establish that you have had PPI with the lender or finance provider who you would like to claim with for mis-sold PPI.

 

Before you complain it is important that you make copies of all of the documents that will form part of your PPI complaint. These documents may be copies of credit agreements, account statements, PPI policies, proof of an alternative PPI policy that you hold, or anything that shows you have taken out a PPI policy or shows that you have been making payments for PPI.

 

Once you know that you have had PPI and you have proof of the PPI that you would like to complain about it is very important to ensure that the PPI complaint is then sent to the correct company or person responsible for the sale of the PPI. 

 

Just because a lender or finance provider has borrowed you money it does not always necessarily mean that it is them that a PPI complaint should be made to. An example of this is when your finance was set up or arranged through a broker or a third party representative of the lender or finance provider that borrowed you your money. 

 

This is because the company or person who actually sold you the PPI is normally who is responsible for the advice provided to you at the point of sale of the PPI and a PPI complaint should be made to them in the first instance. This can be a little tricky as there is often a grey area involved in relation to who actually gave advice on and sold the PPI, and who will actually take responsibility for the sale of the PPI.

 

For further information on how broker sold PPI may have affected you we have set up a Broker Sold PPI information page on this website that can be accessed here Broker Sold PPI (hyper link).

 

When you complain about the PPI to whomever you establish and feel is responsible for the sale of the PPI, whether that be the lender, broker, or finance provider you will need to provide them with the details of your complaint and let them know exactly what you are complaining about.

 

Upon receiving your PPI complaint the company that you have complained to will then have eight weeks in which to investigate your PPI complaint and provide you with their final response in relation to the complaint. If they need more time in order to investigate the complaint they should normally contact you to let you know that they require more time to investigate the complaint and provide you with the reasons for them requiring extra time.

 

If a final complaint response is not received within eight weeks from the date you first complained to the lender, broker, or finance provider, you will then have the right to refer your complaint to the Financial Ombudsman Service (FOS) within six months of the date on which the eight weeks from the date you first complained to them about the PPI.

 

If your PPI complaint is upheld and successful the final response letter you receive should explain how the company has come to their decision and provide clear information on how they have calculated any money that they may be offering to you in settlement of the claim. 

 

A Successful PPI complaint normally provides the customer with a full refund of any payments that they have been charged for PPI, a full refund of any interest that has been charged to the customer as a result of having the PPI, and 8% statutory interest for to compensate the customer for being mis-sold the PPI.

 

If your PPI complaint is not successful and the company believes that they should not uphold your complaint then they should provide you with a final response letter which should clearly explain why the company believes that they should not uphold your complaint and should advise you that you have the right to refer your complaint to the Financial Ombudsman Service (FOS) free of charge within six months of the date of their final response letter.

 

We can complain about mis-sold PPI on your behalf for you and then take any unsuccessful PPI complaints that we feel are unfairly rejected to the FOS for their assessment. In addition we can look in to any PPI complaints that you have previously made to your lenders where you feel that the lender may have unfairly rejected the complaint or treated you unfairly during the claiming process.    

 

If you are considering making a PPI complaint please ensure that you do so before 29 August 2019 as the PPI Deadline has been set by the Financial Conduct Authority (FCA) and you now have until 29th August 2019 to submit your PPI claim. After that date you will be unable to claim for mis-sold PPI unless there are exceptional circumstances involved as to why you have not already claimed before 29 August 2019. 

PPI Calculator

Many people may be wondering how much PPI they may have paid or how much money that they could potentially receive for a successful PPI complaint.  A PPI claims calculator will offer an estimate and could give you a rough indication of what you may be entitled to if you were mis-sold PPI and you are successful with a PPI claim. You can use our PPI Calculator for free to check for and estimate the PPI you have paid on your loan, credit card, mortgage, overdraft, store card, and catalogue accounts.

Best PPI Claim Company

If you have been mis-sold Payment Protection Insurance (PPI) you may be wondering who are the best PPI claims companies to handle your case against the bank or lender who has sold you PPI. Claims management companies take up complaints against financial services companies on behalf of people and they deal with many types of complaints about financial services.

 

You can make a complaint yourself but more and more people are choosing to take up the services of a claims management company to assist them to complain for PPI.

 

Good or bad it has been proven that there is a place for claims management companies in relation to complaining about mis-sold financial products, as it appears that year after year there is yet another financial mis-selling scandal that affects UK consumers and the UK’s biggest banks and financial institutions.

 

We discuss in depth and in a non-biased manner all of the pros and cons of using a claims management company on our Best PPI Claim Company Page (hyperlink) of this website. We hope that you enjoy reading what we have written on that page and that you find the information useful.

What To Do If Your PPI Claim Is Rejected

If you have a PPI claim that is rejected by the lender, finance provider, or broker of the PPI there are a few options available to you that will be outlined below:

 

Accept the final PPI complaint response

If upon receiving a final response letter for a PPI complaint from a lender, finance provider, or broker you are happy with the response they have provided, or you are not sure if you have any grounds on which to challenge the complaint rejection, you need to be aware that you will only have six months from the date on the complaint rejection letter provided to you in which to take your PPI complaint to the Financial Ombudsman Service (FOS). After six months of the date that a lender, finance provider, or broker provides you with their final response, the FOS will be unable to assist you with your complaint.

 

Challenge the final PPI complaint response yourself 

When you receive a final response for a PPI complaint from a lender, finance provider, or broker and you are not happy with the response then you are legally allowed to go back to the lender to challenge them by providing them with new information or evidence that may have affected their decision. In addition you can request further information from them and request that the case is reviewed by someone else if you feel that the case may not have been assessed correctly or unfairly. They will have an obligation to review and consider any reasonable requests that are requested by you.

 

Escalate your PPI claim to the Financial Ombudsman Service (FOS)

Any type of financial complaint that is eligible to be considered by the FOS is able to be escalated to the FOS within six months of receiving a final response letter from the company that you have complained to. The FOS can deal with complaints from consumers about most financial matters providing that the company you are complaining about has received a complaint and you have either given the company at least 8 weeks to provide you with a final response to your complaint and they have not done so to your satisfaction, or the company you have complained to has provided you with a final response to your complaint that you are not happy with. Once you contact the FOS they will assess your case and advice you if they will be able to look in to your case or not.

 

Take the PPI complaint to court

If upon receiving a final response letter for a PPI complaint from a lender, finance provider, or broker, you are not happy with the final response, another option is to take the company that you think is responsible to court either through a licensed solicitor or directly yourself through a service such as the UK governments Money Claim Online Service https://www.gov.uk/make-money-claim .

Please note that we are not solicitors and it is not our intention to provide you with legal advice in relation to taking a PPI complaint to court by using a solicitor or using the Money Claim Service. We are just making reference to what types of options may be available to you in the event of your mis-sold PPI complaint being rejected.

Have a Claims Management copy review your PPI complaint rejection

Many people believe that once they have complained to their lender, finance provider, or broker about mis-sold PPI that claims management companies will not take on their case. This is not always the case as DN Manley are happy to discuss the details of your PPI enquiry whatever the circumstances may be of your rejected PPI complaint.

 

When you contact us to discuss the details of a rejected PPI complaint we will discuss the circumstances of the rejected case with you to try and establish if we can help you, and an assessment of your case will be made. We will be straight forward as to whether we can assist you or not and we will always recommend what we feel will be in your best interest.

PPI Mis-selling Checklist

You may have been mis-sold PPI in a number of ways. If any of the following sentences are familiar to you may have been mis-sold PPI:

 

You were told that PPI was compulsory in order to be granted the finance such as a Loan, mortgage, credit card, overdraft, car finance, catalogue, or store card.

 

The salesperson would not let you continue with the application if you did not sign the insurance agreement.

 

You thought PPI was compulsory or were advised to buy it.

 

It was implied or insisted you take out the policy to qualify for the product or help with your application.

 

You felt pressured into taking PPI out.

 

The salesperson was very pushy when selling the product, so that you felt you could not say no.

 

You didn’t even know you had PPI.

 

It was not made clear the policy was optional

 

I was not made aware of any cooling off period

 

You were self-employed, unemployed or retired when you took out PPI.

 

You were sold PPI even though you had a pre-existing medical condition.

 

It was not made clear to you that you were taking out PPI and you didn’t actually want or require it.

 

You were advised that you would get a better deal if PPI was added.

 

You didn’t agree to take out PPI, but it was sold to you anyway.

 

The company did not check that you were eligible for the PPI.

 

The company didn’t explain the PPI policy.

 

It was implied or stated it would be more expensive if you didn’t take the insurance

 

You were sold insurance that didn’t suit your circumstances.

 

Although this is not all of the reasons why you may have been mis-sold PPI it is quite an extensive list and a good starting point at which to check against to see if you may have been mis-sold PPI.

 

For further information and more reasons as to why you may have been mis-sold a PPI policy there is more information above on this page in our Check If You Can Complain About Mis-sold PPI section (hyperlink to that section).

How Can I Check For PPI?

You can start to check for PPI by checking any paperwork you may still have such as statements, terms and conditions or the original credit agreement, for any mention of PPI. On statements the PPI payment may appear as an extra charge in addition to the repayment figure that is listed.

 

Understandably due to the amount of time that has passed since they took out their finances most people do not have any documentation or proof of PPI to rely upon.

 

If you do not have any documentation or proof of PPI then the other options available are to check with the company you got the loan or credit from, or to check your credit report to see if any of the finances that you have had may still be listed on your credit file (finances are normally only listed on your credit report for a maximum of 6 years from the date that the finance account was closed).

 

We often find that the problems many of our customers face before contacting our company for a Free PPI check are that they either have no paperwork or documentation that shows proof of PPI, or even when checking their credit report or checking with their lenders for PPI they still cannot identify if they have had PPI added to their finances, so they turn to us for our assistance.

 

There are many reasons why PPI may not show up on your credit report or that your previous and current lenders may not be able to locate any account data for you. Things to bear in mind are that finances are normally only listed on your credit report for a maximum of 6 years from the date that the finance account was closed or last active, and if you have had a change of name or change of address since you last had any contact with the lender or company that you would like to check for PPI with and you have not updated your details with them, then they may not be able to locate you in their records with your new details.

 

If you require any assistance to check for PPI we would be more than happy to help you. Our PPI check is Free so you have nothing to lose by contacting our company for a Free PPI Check.

Have You Been Mis-sold PPI?

Not every PPI policy was mis-sold. However there have already been millions of complaints made about mis-sold PPI and millions of mis-sold PPI complaints have already been upheld. If you have taken out a loan, credit card, store card, catalogue or obtained any other type of finance in the last 30 years then there is a good chance that you may have been sold PPI or PPI could have been added to your accounts without your permission or knowledge.

How Do I Claim For Mis-sold PPI?

The first step in the process of claiming for mis-sold PPI is to be able to prove that you have had PPI. We can help you with this by carrying out a Free PPI Check with all of your lenders on your behalf.

 

Once you have proof that you have had PPI you will then need to decide whether or not you feel that the PPI was mis-sold. There are many reasons that PPI may deemed to have been mis-sold such as; You were told that PPI was compulsory, You were told that by taking PPI your application would be more likely to be accepted, PPI was added without your consent, your eligibility for PPI was not discussed or assessed when PPI was added, you had pre-existing medical conditions when the PPI was sold.

 

If you feel that PPI was mis-sold the most straightforward way to complain is to the lender or company that sold you the finance that PPI was sold with/added on to, and let them know about your concerns. They will then have eight weeks in which to investigate your PPI complaint and provide you with their final response which should tell you if your complaint has been successful or not, or to explain why they may need more time to look into your complaint.

 

If your PPI complaint is successful the final response letter should explain how the company has come to their decision and provide clear information on how they have calculated any money that they may be offering to you in settlement of the claim.

 

If your PPI complaint is not successful the final response letter should clearly explain why the company believes that they should not uphold your complaint and should advise you that you have the right to refer your complaint to the Financial Ombudsman Service (FOS) free of charge within six months of the date of their final response letter.

 

We can carry out a Free PPI check for you and complain about mis-sold PPI on your behalf. If our PPI complaint is rejected and the complaint is sent to the Financial Ombudsman Service for them to assess and the complaint is not upheld by the FOS, then you will not owe us anything as we only charge for successful PPI complaints where the client has actually received money as a result of our PPI complaint.

Our Fees

Mr A is awarded £3,000 compensation. From this compensation payment Mr A would be charged, a fee of 20% (£600)+ VAT at the prevailing rate (VAT is currently set at 20%) £120. Our total fees inclusive of VAT would be £720. In this example after paying our fees Mr A will receive a compensation payment of £2280.

 

 

 

Other Product Names For PPI

Payment Protection Insurance or PPI are the most common terms used for this type of product. However PPI is also known as and has been referred to under many different names. Some of the other names that PPI may have been known as and referred to are the following:
  • ASU (Accident Sickness and Unemployment)
  • Account Cover
  • Card Protector
  • Credit Insurance
  • Credit Protection
  • Lifestyle Protection
  • Loan Care
  • Loan Insurance
  • Loan Protection
  • Loan Protection Cover
  • Loan Repayment Insurance
  • Loan Protector
  • MPPI (Mortgage Payment Protection Insurance)
  • Payment Cover
  • Payment Protection Cover
  • Protection Plan
  • Payment Protection Plan
  • Payment Shield
  • Redundancy Cover

Our PPI Check Process

We’ve made our PPI Process so simple! You could be owed thousands of pounds for mis-sold PPI and be eligible to a PPI refund
  • 1

    Fill in our form

    All we need is some basic information.

  • 2

    We give you a call

    We give you a call to take some details to start your free PPI check and send you a pack in the post.

  • 3

    PPI Check

    We will undertake your PPI check or claim.

  • 4

    If PPI is found

    We will continue to manage the whole claims process for you

Start My Free PPI Check

If you would like to start a Free PPI check or start a PPI claim fill out our form and provide us with some basic details. Alternatively you can call or email us with your enquiry.