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EXPIRED 29th Aug 2019

Unfair Relationship Claims

unfair relationship claims
Are you eligible to make an unfair relationship PPI claim?

It was back in 2006, that Parliament recognised that the consumer needed more protection against banks, brokers and lenders. A rise in unscrupulous practices by lenders and brokers, leading to unfair treatment of the customer paved the way for the introducing of new grounds for complaints – an Unfair Relationship Claim. As a result, the Consumer Credit Act 1974 was amended in 2006 with a new section 140A to further support victims of mis-sold financial products.

How is an unfair relationship established?

An unfair relationship is deemed to exist if a lender has mis-sold a financial product for personal gain. This applies to the relationships that are created with the purchase of financial products such as mortgages or loans.

Many lenders paid commission to brokers and intermediaries who were involved in arranging loans and mortgages. This commission was then added to the cost of the loan without the customer wanting it and/or being aware of it.

If the customer taking out a loan is not provided with sufficient advice or disclosure of the commissions by the lender, it is highly likely that they have mis-sold the product.

The unfair relationships test

Section 140A Unfair relationships between creditors and debtors from the 2006 Consumer Credit Act allows courts to make any of the wide ranging orders if the court determines that the relationship between the creditor and the debtor arising out of the agreement (or agreement taken with any related agreement) is unfair because of one or more of the following:-

  • (a) any of the terms of the agreement or of any related agreement;
  • (b) the way in which the creditor has exercised or enforced any of his rights under the agreement or any related agreement;
  • (c) any other thing done (or not done) by, or on behalf of, the creditor (either before or after the making of the agreement or any related agreement)

The test was forumulated to focus on three aspects out of which an unfair relationship might arise; the first looks specifically at the terms of the agreement (or any related agreement) and the other two look specially at the how the creditor acted and dealt with the debtor.

In addition to the above the courts may also take into account any or all matters it considers to be relevant to this assessment, including matters relevant to both the debtor and creditor.

If the relationship is found to be unfair by the Courts, the lender can be ordered to:

  • Pay compensation to the borrower
  • Write off all or part of the loan
  • Do or not do something in relation to the agreement

The unfair relationship provision has tried to ensure that the balance of power is in the consumer’s favour when making an Unfair Relationship Claim.

Are you eligible to make an Unfair Relationship Claim?

Do you believe your lender formed an unfair relationship with you and as a result, you lost money? You may be entitled to an Unfair Relationship Claim.

Please Note: The PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.


Is There Any Leeway In Deadline Timing?

No – the deadline is absolute. If the claim is not properly logged with the lender before midnight on August 29th it will be officially time-barred.

I already have a case(s) going through with you, what will happen to them?

The deadline is for new claims only. All existing claims will be investigated and decided normally.

I have had a case with FOS through you for ages – what will happen to it now?

All FOS investigations of current claims will be unaffected by the deadline. It is for new claims only.

Will the deadline cause any delays in my case?

No – existing cases will be processed as normal with a final decision expected within 8 to 16 weeks of acknowledgement of the claim by your lender.

What if the bank wants more information?

A request for further information from the bank means that it has been accepted and is under investigation. The usual timescale of 8 to 16 weeks for a decision will still apply.

Why is there a deadline?

The deadline was set in place by the Financial Conduct Authority (FCA), which is the UK’s financial regulator. It’s chief executive, Andrew Bailey, said at the time: “Putting in place a deadline and campaign will mean people who were potentially mis-sold PPI will be prompted to take action rather than put it off. We believe that two years is a reasonable time for consumers to decide whether they wish to make a complaint.”

“We have carefully considered the feedback we received and we still believe that introducing a deadline for PPI complaints and a communications campaign warning of the deadline will benefit consumers.”

What happens after the deadline?

The deadline is for new claims only. If your claim has already been lodged with your lender then it will be fully investigated.

What happens if my case is rejected by the lender?

If your claim is rejected then it will be passed to our specialist team who will evaluate the terms of the rejection to see whether an appeal to the Financial Ombudsman Service (FOS) might be possible and advise you of their findings.

News About PPI Claims

PPI Deadline



The PPI deadline has now passed and we are no longer accepting any new PPI claims.

Please be assured, if you have already enquired about a PPI Claim with Money Management Team Limited we are processing your enquiry and will update you as your claim progresses. If you need an update in the meantime, please contact us.

You can pursue your own claim direct to the firm to obtain a refund. You can do this for yourself at no cost and then use the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS) which are both FREE.

£Millions Remain Unclaimed!

Important Information

Please Note: Your PPI Claim starts with a Free PPI Check service. Our PPI Claim fee of 20% + VAT (so 24% of the total redress offered by your lender) is payable if your claim is successful. That means if we don’t recover you anything, you don’t pay us a penny.

You can submit a claim directly to the lender yourself for no charge. You can also approach the Financial Ombudsman Service and Financial Services Compensation Scheme for free to review your case, providing it falls within their remit and you have approached your lender first.


PPIClaims.com is a trading style of Money Management Team Ltd. Money Management Team is a member of the Professional Financial Claims Association (PFCA).
We comply with the PFCA Code of Practice


Deceased Persons

If a PPI policyholder is deceased, any money owed to them becomes part of their estate, so whoever inherits the estate is entitled to make a PPI reclaim. This can be done by an executor or the person appointed to carry out their wishes after death. We automatically assume that reclaiming mis-sold Payment Protection Insurance (PPI) for deceased parents and grandparents may not be possible due to the passage of time.

However, the truth of the matter is it is quite straight forward to make a successful claim for mis-sold PPI for someone who is deceased.

The PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.

Armed Forces Personnel & PPI

Armed Forces PPI

Armed forces personnel have cover for sickness, accident & unemployment built into their salaries. This protection means that if a member of the armed forces was unable to work due to one of these reasons, they would still be able to meet any mortgage, loan or credit card repayments they had. So any PPI insurance policies would NOT have been appropriate.

As the PPI deadline (29th August 2019) set by the FCA has now passed and we are no longer accepting any new PPI claims.