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PPI CLAIMS DEADLINE - 29th Aug 2019


0333 443 2500

How was PPI Mis-sold?


Top five PPI Mis-selling Sales Practices

There are many reasons that your PPI policy may have been mis-sold, but some are more common than others. The most common of which include:

1. You were self-employed or without a job when the policy was sold

If you were unemployed or self-employed when your PPI policy was taken out then you should check whether the policy includes unemployment cover. The vast majority do and, if yours is one of them, this section of the cover is essentially worthless.

If there were no questions asked about your employment status when the cover started, or if you had stated that you were self-employed or between jobs and were sold the policy regardless, then you may have reason to claim back money paid for PPI.

Almost all PPI policies include some form of upper age limit, which when reached will exclude the policyholder from receiving payments. As such, if you were over this limit when you took out the policy, or have since reached this limit but are still paying then you have a case for claiming back money you paid while over this age limit.

2. You had a pre-existing medical condition

PPI policies tend to exclude payouts for anyone with a pre-existing medical condition, meaning that you will not receive benefit in the event of you being unable to work as a result of this condition. This also applies to any condition that can be linked to the condition.

If you weren’t asked about health conditions or weren’t told about exclusions related to pre-existing conditions, you may have a case for mis-sold PPI. Some policies pay out should the condition resurface, but only if you’ve not had symptoms for a set amount of time.

Make sure to check your terms and conditions to see whether you could have been mis-sold PPI.

3. You believed PPI was compulsory or felt pressured into buying it

Many people were sold PPI thinking that it was a compulsory part of the finance agreement, while others were allowed to think they were less likely to have their application approved if the cover wasn’t added. If you were not informed that PPI was optional and had a cooling off period, or if you felt pressured into adding it to your agreement then you have a right to make a claim to recover any money you may be owed’.

If your PPI agreement was taken out after 14 January 2005 and had it sold to you as “strongly recommended” or a similar term then this counts as an ‘advised sale’. Unless it came with a ‘demands and needs statement’ that explains why the policy would be recommended to you, then you have adequate grounds to make a complaint.

4. The policy didn’t suit your situation

Until May 2009, the majority of PPI policies were sold as ‘single premium’ cover, with the insurance being added on to your finance agreement and coming with interest separate from that being paid on the finance.

Many of these policies were designed to last for a five-year period, and if your finance agreement lasted longer than this without you being told that the PPI policy wouldn’t stand for the duration you should consider making a claim.

If you had insurance cover already, through an employer’s income protection policy or similar scheme, and you had informed the seller of this before signing up then you may be entitled to claim money back.

5. You weren’t told you had PPI

Shockingly, many people had PPI added onto their agreements without even being aware of it.

This is obviously unfair, check all of your finance agreements to ensure that you haven’t being paying PPI without your knowledge; if you have you may be entitled to claim this money back, and only have until the deadline of 29th August 2019 to do so.

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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.

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Claim Back Mis Sold PPI on Loans, Credit Cards & Mortgages

Complete our simple enquiry form and Start your Claim with a FREE PPI Check**.

Don't Miss the PPI Deadline £Billions Remain Unclaimed! No Cold Calling Guarantee Find out if you have a valid PPI Claim

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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.