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PPI CLAIMS DEADLINE - 29th Aug 2019


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Credit Finance PPI Claims – Loans, Credit Cards & Mortgages

Credit PPI

Many consumers were mis-sold PPI (Payment Protection Insurance) with credit finance such as loans, credit cards and mortgages. PPI was usually added to a customer’s application by finance providers, in some cases without their knowledge. Some providers even rejected a credit application if PPI was refused by the customer.

PPI can be a useful policy, as it protects borrowers if they are unable to work due to illness or injury and can’t meet their finance obligations. However, for many borrowers the policy was mis-sold to them by the retailer.

There are many examples of PPI mis-selling in the credit finance sector, where some customers were not made aware by finance providers that PPI was attached to their policy. In instances where the customer was made aware that PPI had been added, they were not informed it was optional.

There is a new type of complaint reason in relation to PPI, which now needs to be considered due to a 2014 court case (often referred to as ‘Plevin’). This court case ruled that, as over 50% of the cost of the PPI being sold to the consumer was taken as commission by the lender and they were not informed of this, it created an ‘unfair relationship’. Therefore, the FCA have now produced further guidance in relation to PPI complaints, stating that any undisclosed commission paid over the 50% ‘tipping point’ should be refunded to the consumer, along with interest, if this was not disclosed to them.

PPI on Creditcards

Around 10 million people in the UK were sold PPI with a credit card between 1988 and 2011. The Payment Protection Insurance should have helped ensure card payments were met if you couldn’t work due to sickness, an accident or being unemployed.

PPI on Loans

Banks & lenders sold PPI alongside loans to more than 20 million people during the last few decades, earning billions of pounds in profit. However, lots of PPI was mis-sold. It was easily done compared to credit cards & and other products, due to loan size and term.


PPI on Mortgages

PPI on Mortgages

Over the last couple of decades, lenders have sold mortgage payment protection insurance (MPPI) to a large number of people. The policy would safeguard your mortgage repayments if you became unemployed, or were out of work due to an accident or sickness. However, MPPI was mis-sold to many without their knowledge.

New PPI Claim Rule

You can now complain about commission earned by a provider

You can now make a new type of complaint about the commission a provider earned from the sale of PPI, even if you had a previous complaint about mis-selling PPI was rejected.

Rejected PPI claims can be now be re-opened on a New Legal Ruling

Don't Give Up On What You Could Be Owed Claim Against Undisclosed Commission Rates We Can Re-Open Your Claim‎

Claim back any undisclosed commissions over 50% plus interest


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PPI Claims for Deceased Persons

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.

To reclaim mis-sold PPI start with a FREE PPI check** with us today.

CONTACT • CHECK • RECLAIM PPI

Had any type of credit finance with Barclays, LLoyds, RBS, Yorkshire Bank, Tesco, HBOS, MBNA or Halifax between 1988 - 2014?

We Can Find Out If You Had PPI and Claim It Back For You.

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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. To find out if you can reclaim for mis-sold PPI, start a FREE PPI check** with us today.

UK Expats & Non-British Nationals

Expat PPI Claim

Did you have a loan, credit card or mortgage in the UK between 1988 and 2014? As a British Expat or Non-UK National who has lived in the UK for a long period, it is likely that finances were arranged while you were a resident in Britain. This may include loans, mortgages or credit cards and, even though you are no longer living in the country you can still claim mis-sold PPI. You could be eligible to claim for mis-sold PPI!

Public Sector Workers PPI Claim

Public Sector PPI

For many public sector workers, the Payment Protection Insurance (PPI) they were sold was useless. However, for some of these workers it would not have been useless, depending on the policy type and cover it provided them with.

If you had PPI and it provided you with extra cover that hadn’t been included in your employment contract, then it may have been useful for you.

Business PPI Check and Claims

Business PPI Claims - Mis-sold Payment Protection Insurance

Business PPI - Like most consumer PPI policies, business PPI also know as commercial PPI was sold alongside secured and unsecured loans, overdrafts, credit cards and mortgages. Business Loan Repayment Insurance is a type of insurance policy sold alongside commercial loans, including Fixed Rate Loans, Variable Rate Loans and Treasury Loans. If you had a commercial or business loan between 1988 and 2014 you may be eligible for a PPI refund. Start a Free Business PPI Check and find out if you have mis-sold PPI to reclaim.