[vc_row full_width=”stretch_row_content_no_spaces” css=”.vc_custom_1511789167686{background-color: #f7f9fb !important;}”][vc_column width=”1/2″ offset=”vc_col-lg-6 vc_col-md-12″][vc_row_inner css=”.vc_custom_1516106411180{padding-top: 130px !important;}”][vc_column_inner width=”1/4″ offset=”vc_hidden-xs”][/vc_column_inner][vc_column_inner width=”1/2″ css=”.vc_custom_1522315555118{padding-bottom: 50px !important;}”][tek_sectiontitle st_title=”Everything you need to know about Mortgage PPI. Try our services today!” st_title_tag=”” st_subtitle=”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.” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-2″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space height=”15px”][tek_button button_text=”Start My PPI Check” button_link=”url:http%3A%2F%2Fwww.dnmanley.co.uk%2F|||” button_position=”pull-left”][/vc_column_inner][vc_column_inner width=”1/4″ offset=”vc_hidden-xs”][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=”1/2″ css=”.vc_custom_1522315574795{padding-top: 0px !important;}” offset=”vc_col-lg-6 vc_col-md-12″][vc_row_inner css=”.vc_custom_1529651854348{padding-top: 275px !important;padding-bottom: 200px !important;background-image: url(https://www.dnmanley.co.uk/wp-content/uploads/2018/05/stanislav-korol-659570-unsplash.jpg?id=6597) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}”][vc_column_inner css=”.vc_custom_1511789291663{padding-top: 0px !important;padding-bottom: 0px !important;}”][vc_empty_space height=”100px”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column width=”1/4″][tek_iconbox title=”No paper work needed” title_size=”large-title” title_color=”#ffffff” box_content_type=”simple_text” icon_type=”icon_browser” icon_color=”#ffffff” icon_position=”icon_top” content_alignment=”content_center” custom_link=”#” background_type=”custom_bg_color” background_color=”#eeee22″ border_type=”custom_border_color” icon_iconsmind=”iconsmind-Paper”][/tek_iconbox][/vc_column][vc_column width=”1/4″][tek_iconbox title=”No account number required” title_size=”large-title” title_color=”#ffffff” box_content_type=”simple_text” icon_type=”icon_browser” icon_color=”#ffffff” icon_position=”icon_top” content_alignment=”content_center” custom_link=”#” background_type=”custom_bg_color” background_color=”#81d742″ border_type=”custom_border_color” icon_iconsmind=”iconsmind-Credit-Card2″][/tek_iconbox][/vc_column][vc_column width=”1/4″][tek_iconbox title=”We can search the last 30 years” title_size=”large-title” title_color=”#ffffff” box_content_type=”simple_text” icon_type=”icon_browser” icon_color=”#ffffff” icon_position=”icon_top” content_alignment=”content_center” custom_link=”#” background_type=”custom_bg_color” background_color=”#dd9933″ border_type=”custom_border_color” icon_iconsmind=”iconsmind-File-Search”][/tek_iconbox][/vc_column][vc_column width=”1/4″][tek_iconbox title=”Fast Reliable Service” title_size=”large-title” title_color=”#ffffff” box_content_type=”simple_text” icon_type=”icon_browser” icon_color=”#ffffff” icon_position=”icon_top” content_alignment=”content_center” custom_link=”#” background_type=”custom_bg_color” background_color=”#8224e3″ border_type=”custom_border_color” icon_iconsmind=”iconsmind-Running”][/tek_iconbox][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][tek_sectiontitle st_title=”What Is Mortgage PPI?” st_title_tag=”” st_subtitle=”Payment Protection Insurance (PPI) has been sold and added on to mortgages to cover the repayments of the person who took out the mortgage if their personal and financial circumstances change such as having to take time off work due to illness, an accident and in some instances unemployment. It has been the case that PPI has been widely mis-sold, with this mis-selling being carried out by not only the bank or provider, but also by third party brokers.
Mortgage PPI is often referred to as Mortgage Payment Protection Insurance (MPPI) or Second Charge Mortgage Payment Protection Insurance (SMPPI). Second charge mortgages are a secured loan that is secured on your home and can be alternative to re-mortgaging.” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-1″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][tek_sectiontitle st_title=”Which Lenders Mortgages Was PPI Sold On?” st_title_tag=”” st_subtitle=”Lloyds Bank
Lloyds TSB
Halifax Bank
Bank of Scotland
Cheltenham & Gloucester
Barclays
HSBC
Midland Bank
First Direct
Royal Bank of Scotland (RBS)
NatWest
NRAM (Northern Rock)
Santander
Cooperative Building Society
Nationwide Building Society
Clydesdale Bank
Yorkshire Bank
Yorkshire Building Society

This is not all of the lenders mortgages that PPI was sold and added on to and if you require any further information on any of the above mentioned lenders or any mortgage lenders/providers that you have previously taken out then please have a look through our lenders page on this website where we have provided further information on mortgages that PPI was sold on and which lenders and companies are responsible for the sale of PPI.” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-1″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][tek_sectiontitle st_title=”How Is Mortgage PPI Charged And How Much Does It Cost?” st_title_tag=”” st_subtitle=”Mortgage PPI policies are normally paid for by a regular monthly premium that is normally charged in addition to the regular monthly mortgage payments and this type of PPI is known as a Monthly Premium PPI Policy.
Mortgage PPI does not get as much media exposure or attention as loan PPI or Credit Card PPI. However we believe that there is a reason why mortgage PPI claims should be seriously considered, and this is due to the fact that if you have ever re-mortgaged or signed up for a new mortgage you may have started paying for a new PPI policy or PPI may have been added when you re-mortgaged or signed up for a new mortgage.
You may be owed compensation from mis sold mortgage PPI cover issued alongside your re-mortgage, new mortgage, or secured loan (also known as a Second Charge Mortgage).” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-1″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][tek_sectiontitle st_title=”How was Mortgage PPI mis-sold?” st_title_tag=”” st_subtitle=”Payment Protection Insurance (PPI) has been mis-sold to millions of people but the good news is you can claim compensation If you think you’ve been mis-sold mortgage PPI. PPI was routinely mis-sold and added on to mortgages by the seller of the PPI by them not being honest or providing the proper or correct information to the customer at the point of sale or addition of the PPI.
In a lot of instances PPI was being sold or added on to mortgages without the seller of the PPI even checking that the PPI was suitable for the customer, that the customer was eligible for the PPI, or whether in fact the customer even required or wanted the PPI.” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-1″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][tek_sectiontitle st_title=”The most common reasons that Mortgage PPI may have been mis-sold are:” st_title_tag=”” st_subtitle=”You felt under pressure to take the PPI policy in order for your finance to be approved
The policy was added to the finance without your knowledge or approval.
Your employment status made you exempt. For example you may have been self-employed or in receipt of full sick pay from your employer in the event of accident or illness.
You were not explained the terms & conditions and was unaware of the additional cost and possible cancellation fees.
You had a pre-existing medical condition or were registered disabled at the time the policy started.
Your age prevented you from qualifying. For example many people were sold a PPI policy when they were already past retirement age or would have been at any stage during the repayment term.
You had another similar or existing insurance policy. For example life insurance attached to a mortgage.
Sometimes it was incorrectly stated that this insurance improved their chances of getting the loan or that the insurance was mandatory.
Due to the high profitability from PPI sales, staff were targeted on sales of PPI & high commission levels were paid, which is believed to have contributed to the mis-selling of these policies.

PPI is an optional extra and should not be included as a requirement of taking out a Mortgage. Customers also have the right to refuse PPI. In all types of insurance, some claims are accepted and some are rejected. However in the case of PPI the number of rejected claims is high compared to other types of insurance.
For many years consumer support groups and charities such as Citizens Advice (CAB), Which, Martin Lewis of Moneysaving Expert, and The Money Advice Service (set up by the government) campaigned about the problems with Payment Protection Insurance. In September 2005 the Citizens Advice published a report called Protection Racket that gave evidence on the cost and effectiveness of Payment Protection Insurance. The findings in the report showed that loan PPI premiums paid by CAB clients represented anything from 13 per cent to a staggering 56 per cent of the amount that had been loaned to the client.” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-1″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][tek_sectiontitle st_title=”Can I Check or Claim For Mortgage PPI Even If I Do Not Remember Who The Lender Was?” st_title_tag=”” st_subtitle=”Many people cannot remember the names of the lenders that they have previously taken out their finances with such as loans, mortgages, credit cards, and store cards etc. This is a common problem for people trying to check if they may have had Mortgage PPI or claim for mis-sold Mortgage PPI.
Due to the amount of time that may have passed since the accounts were last open or the different lenders that customers have taken finances out with over the years it can be difficult for them to recall which exact lenders that they have used.
We have successfully helped many clients in these circumstances to identify who the lenders were that they had taken out their previous finances with, then to check if any PPI had been added to their finances, and then to claim back for any PPI that had been identified on the finances that the client felt had been mis-sold.
There are many ways to check for any PPI that may have been added on to your finances such as checking credit agreements, your credit report, with the lender, and in your older documents that may be stored away in a loft, garage or filing cabinet.
If you are having trouble remembering the names of the companies that you have previously taken out finances with or you are unsure if you have had or do have mortgage PPI and are not sure how to proceed then we can assist you to identify your previous lenders and if you may have had PPI added to or sold with any of your finances.” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-1″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][tek_sectiontitle st_title=”How Much Is a Mortgage PPI Claim Worth?” st_title_tag=”” st_subtitle=”If you do have a mortgage PPI complaint that is upheld then the PPI lender or provider of the PPI should also correct and pay you back any further losses you have had as a result of PPI such as any arrears charges due to taking the mortgage due to the PPI. So in effect a successful mortgage PPI complaint offer should take in to consideration the initial monthly cost of the monthly PPI Policy, any interest that is charged on top of the PPI monthly payments, and any missed payments or arrears charges that may have been charged and have affected the cost of the PPI. Once the amount of PPI owed back as part of a PPI refund is worked out and calculated an additional amount of 8% statutory interest should then be added on to the PPI refund due to make the total amount that is to be paid to the customer for mis-sold PPI.
The 8% statutory interest is for financial loss through being “deprived“ of money that the customer should have had because the business’s mistake or bad advice led them to take out an investment or account that wasn’t suitable for them.” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-1″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][tek_sectiontitle st_title=”Undisclosed Commission on Mortgage PPI Complaints (Plevin)” st_title_tag=”” st_subtitle=”The Financial Conduct Authority (FCA) have issued new rules and guidance around the high levels of commission earned by financial providers through the sale of PPI. The new FCA rules and guidance on high commissions have been in effect from 29 August 2017.
Typically a high level of PPI commission is considered to be at least 50% of the total PPI premium paid. The main basis of a PPI commissions or Plevin complaint as it is often referred to as , is that the bank or provider earned a high level of commission from the sale of PPI but did not tell you this when you bought it.
Not everyone who complains about PPI will be affected by the Plevin ruling. If you have already had a full refund of your PPI then there is no need to complain about unfair commission, as you would have already had everything back that you paid for PPI as part of your refund.
However If you have already complained about mis-sold PPI but you didn’t get a refund you might be able to complain about unfair commission if any of the following 2 reasons apply to you
1-You took out the credit the PPI was sold with (for example, a loan or credit card) on or after 6 April 2007;
2-You took out the credit the PPI was sold with before 6 April 2007, and it was still running on or after 6 April 2008.
You will need to ensure that any Mortgage PPI commission’s complaints are made before 29th August 2019 as you will not be able to complain after this date. Please also note that although there is now a deadline of 29 August 2019 some people will have an earlier deadline to complain about mis-selling of PPI.” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-1″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][tek_sectiontitle st_title=”When Is The PPI Deadline?” st_title_tag=”” st_subtitle=”The Financial Conduct Authority (FCA) who regulates the financial services industry in the UK, including banks and other providers have now set a deadline date of 29 August 2019 to complain about PPI. This means that anyone who is wishing to make a claim for mis-sold PPI will need to ensure that they have complained to the lender, bank, or PPI provider by 29 August 2019 and the complaint must be received by the firm you’re complaining to on or before 29 August 2019 or run the risk of not having the PPI complaint considered.” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-1″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][tek_sectiontitle st_title=”The Financial Conduct Authority (FCA) and Mortgage PPI Complaints” st_title_tag=”” st_subtitle=”The Financial Conduct Authority (FCA) regulate the financial sector in the UK and they are responsible for ensuring that markets work well, fairly, competitively and they benefit customers. Most banks, credit card companies, mortgage companies, and building societies in the UK are regulated by the FCA.
The FCA was established on 1 April 2013 and took over from the previous regulator of the financial services sector in the UK, which was the Financial Services Authority (FSA). The FSA had been set up by the UK government under the Financial Services and Markets Act 2000, and they were the single regulator for financial services in the UK since December 2001 until the FSA was abolished and replaced by the FCA in April 2013.
If you have a Mortgage PPI complaint against a lender or provider it is important that you understand the FCA do not investigate individual complaints so you will not be able to contact the FCA with a PPI complaint. If you have a PPI complaint it is best to complain to the company that sold the PPI first and ask them to put things right. All companies that are regulated by the FCA must have a procedure in place for resolving disputes with their customers and respond to you within set deadlines.
All FCA regulated companies are also required to respond in writing to you just to let you know they have received your complaint, they must also respond to your complaint in writing within 8 weeks to provide you with a final response, telling you whether your PPI complaint has been successful or why they need more time to look into it.
If you are not happy with the companies final response, if they reject your complaint, or if you do not hear from them within 8 weeks, then you may be entitled to ask the Financial Ombudsman Service (FOS) to look in to the problem for you and make an unbiased decision.
Remember: You will need to complain about mis-sold Mortgage PPI to the business by 29 August 2019 which is the PPI Claims Deadline. Other time limits might apply, so if you think that you have got a Mortgage PPI complaint, act as soon as possible.” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-1″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][tek_sectiontitle st_title=”The Financial Ombudsman Service (FOS) and Mortgage PPI Complaints” st_title_tag=”” st_subtitle=”The Financial Ombudsman Service (FOS) was established in the UK in 2000 to help settle disputes between consumers and UK based financial services businesses, such as banks, building societies, insurance companies, finance companies, financial advisers and investment firms.
You must first complain to the business that you are not happy with and give them the chance to put things right before the FOS will look in to a Mortgage PPI complaint, as the FOS cannot look in to Mortgage PPI complaints unless you have complained to the business you are not happy with and you are not happy with the companies final response, or if they have rejected your complaint, or if you do not hear from them within 8 weeks of making your PPI complaint.
You will need to contact the FOS about a Mortgage PPI complaint within six months of the business’s final response. If you do not contact the FOS about a PPI complaint within six months of the business’s final response then the FOS may not be able to look in to the complaint for you and it will be at the business’s discretion if they allow the FOS to look in to the complaint.” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-1″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space][/vc_column][/vc_row][vc_row][vc_column][tek_sectiontitle st_title=”The Financial Services Compensation Scheme (FSCS) and Mortgage PPI Complaints” st_title_tag=”” st_subtitle=”The Financial Services Compensation Scheme (FSCS) was established in the UK in 2001 to protect consumers when authorised financial services firms fail. The FSCS cover business conducted by firms authorised by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).
They may pay compensation if a firm is unable or likely to be unable to pay claims against it. This is usually because the firm has stopped trading or has been declared in default. It is important to understand that the FSCS will only pay out a maximum of 90% of a Mortgage PPI claim for general insurance advice and arranging and the FSCS can pay compensation only for financial loss.
The FSCS does not cover the Channel Islands or The Isle of Man.
If you are looking to claim back mortgage PPI from a lender that has now stopped trading or has been declared in default then please do not hesitate to contact us and we will be happy to assist you. We have assisted many clients to claim PPI from the FSCS when their lender has stopped trading or has been declared in default.” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-1″ st_text_align=”text-left” st_width=”st_fullwidth”][vc_empty_space][/vc_column][/vc_row][vc_row full_width=”stretch_row_content_no_spaces” css=”.vc_custom_1516095967751{background-color: #f7f9fb !important;}”][vc_column width=”1/2″ css=”.vc_custom_1522245136492{padding-top: 650px !important;background-image: url(https://www.leadengine-wp.com/wp-content/uploads/2018/01/contact1.jpg?id=5405) !important;}” offset=”vc_col-lg-6 vc_col-md-12 vc_hidden-sm vc_hidden-xs”][/vc_column][vc_column width=”1/2″ css=”.vc_custom_1522245146206{padding-top: 125px !important;padding-left: 130px !important;}” offset=”vc_col-lg-6 vc_col-md-12″][vc_row_inner][vc_column_inner width=”2/3″ offset=”vc_col-lg-offset-0 vc_col-lg-8 vc_col-md-offset-0 vc_col-md-10 vc_col-sm-offset-2″][tek_sectiontitle st_title=”IMPORTANT NOTICE!
” st_title_tag=”” st_subtitle=”Due to the PPI deadline of 29 August 2019 we are no longer taking on any new PPI Clients. We will continue to carry out work for the clients that we are already working on behalf of so that we can provide the best service possible to them.
” st_subtitle_decoration=”” st_separator_enable=”separator_on” st_separator_position=”below_title” st_separator_style=”solid-line” st_separator_width=”sep-border-width-2″ st_text_align=”text-left” st_width=”st_fullwidth”][tek_contactform contact_form_id=”5208″ contact_form_style=”full-width-cf” contact_form_bg=””][/vc_column_inner][vc_column_inner width=”1/3″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]