Beat The PPI Deadline. Claim Today!

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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What is PPI?

You have probably heard about PPI (Payment Protection Insurance). PPI is an insurance policy designed to cover repayments in certain circumstances where you can’t 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. PPI has been sold with loans, credit cards, mortgages, car finance, overdrafts, and even on other types of credit too, such as 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.

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.

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

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 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

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.

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.