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29th Aug 2019

1Plus1 Loans PPI Claim

1Plus1 Loans PPI Claim


1Plus1 Loans utilise a guarantor system, so that borrowers with poor or no credit history can still receive a loan that they might need.

1Plus1 are based in Accrington, Lancashire and are regulated by the FCA.

By taking a personal loan through 1Plus1 and paying it back regularly and on time, it is possible for the customer to improve their credit rating.

Guarantors are subject to stricter criteria, as they must be UK homeowners aged between 18 and 75, they must also personally know the applicant, and must also have a good credit history themselves.

Loans are available for amounts of up to £5000, and if the borrower is unable to pay back the amount, then the guarantor may have to take responsibility for the payments.

What Is Loan PPI?

Many loan providers sold Payment Protection Insurance (PPI) to their customers over the last 20 years or so. The policy was meant to act as a safety net to protect borrowers from falling into arrears if they ever stopped working because of sickness, an accident or if they became unemployed, the policy would cover their loan repayments.

PPI can be and is a useful product if sold and used in the right way. However lenders found that selling PPI with a loan rather than a credit card for example, was much easier, because of the size and length of a loan.

PPI was mis-sold by banks and lenders on a huge scale over the last few decades, with over 60 million policies being sold from 1990 onwards.

Many millions of people were sold PPI without knowing they had done so. The result is many people are entitled to compensation – provided they can prove that the PPI was mis-sold to them.

PPI and its mis-selling has become the largest financial scandal in the history of the UK finance sector.

Grounds on Which Loan PPI May Have Been Mis-sold by 1Plus1 Loans

There are several ways in which 1Plus1 Loans PPI was mis-sold. Lots of people took out PPI cover with their loans believing that it boosted their likelihood of being accepted, or that the policy was a necessity. However, there are many other ways it may have been mis-sold:

  • Were you aware that 1Plus1 Loans had added the PPI insurance to your loan?
    • If you had no idea you had it, you may have been mis-sold.
  • At the time 1Plus1 Loans sold you loan PPI, were you unemployed, retired or a student?
    • If so, you may never have been able to claim on the policy, so it could have been mis-sold.
  • If the policy costs weren’t listed separately by 1Plus1 Loans to the loan advance, you may have been mis-sold.
    • 1Plus1 Loans was required to list the costs separately.
  • Was any information provided by 1Plus1 Loans about alternative policies?
    • If not, then you may have been mis-sold, because there may have been cheaper and alternative cover elsewhere.
  • Were you informed by 1Plus1 Loans about any exclusions?
    • For example, if you had any pre-existing medical conditions, the cover may have been voided, therefore you could be classed as being mis-sold.
  • Loan PPI is an optional product so not compulsory, did 1Plus1 Loans make this clear?
    • If 1Plus1 Loans told you it was required in order to secure the loan, or you felt pressured in any way to taking out loan PPI, you might have been mis-sold.
  • Were any checks done by 1Plus1 Loans to determine if you had any existing PPI policies?
    • If not, you may already have been fully covered, so were mis-sold if they failed to check.
  • Did 1Plus1 Loans check if your employer provides full sick pay?
    • If no checks were done and you are entitled to full sick pay, your loan payments would have been covered rendering the loan PPI unnecessary.
  • When discussing your 1Plus1 Loans loan application, did you feel pressurised into buying PPI?
    • When taking out PPI 1Plus1 Loans should have made sure you were happy with the deal, instead of having it forced on you. If any pressure was placed on you to take out a policy you didn’t require, you may have been mis-sold loan PPI.

Reclaiming 1Plus1 Loans PPI

Start by finding your paperwork with evidence of mis-sold PPI. You will need this to make a claim. If you no longer have the paperwork, don’t worry – at PPIClaims.com we can find out if you bought PPI on any previous products or accounts.

If you notice that your account had PPI attached to it, think back to when it was sold to you. Can you remember when or why you agreed to it? Were you informed that it would be added?

If you can’t remember please don’t worry, we can check if you had PPI with 1Plus1 Loans for free.

Start Your 1Plus1 Loans PPI Claim?

We’d like to discuss the details of your case with you, so your complaint can be lodged with 1Plus1 Loans as quickly as possible.

Before proceeding with a Mis-sold PPI Claim with 1Plus1 Loans we first need to establish details of the PPI Policy you held with them and offer a FREE PPI Check** service for this part of the claim process.

Starting your FREE PPI Check is easy:

1. Call our dedicated number 0333 443 9158; or
2. Complete our FREE PPI check form to start the process.

What If My PPI Claim Has Already Been Rejected by 1Plus1 Loans?

If you have raised a previous PPI complaint with 1Plus1 Loans which was not upheld, and you wish to raise a further complaint relating only to the commission charged under the Plevin ruling on your PPI policy, please complete our online PPI High Commission refund form.

Pre-Existing Medical Conditions
and PPI Policies

If you had a pre-existing medical condition and were sold a PPI insurance policy with a loan, credit card, mortgage, store card or catalogue account that excluded pre-existing medical conditions under the policy sold - then the insurance was clearly inappropriate for your needs and your are entitled to claim your money back.

Let us check if you have PPI to reclaim

Start a Free PPI Check** Today

Other Loan Providers Facing PPI Queries

The following is a list of loan providers who are known to have sold PPI. Please note this is not an exhaustive list.

118 118 Money Loan PPI Claim

1st Stop Personal Loans PPI Claim

AA Loan PPI Claim

Amigo Loan PPI Claim

AvantCredit Loan PPI Claim

Bank of Ireland Loan PPI Claim

Bank of Scotland Loan PPI Claim

Barclays Bank Loan PPI Claim

BeSavvi Loans PPI Claim

BumbleBee Loans PPI Claim

Cahoot Loan PPI Claim

Clydesdale Bank Loan PPI Claim

Consollo Loan PPI Claim

Creation Loan PPI Claim

Creditplus Loan PPI Claim

Danske Bank Loan PPI Claim

Derbyshire Building Society Loan PPI Claim

First Direct Loan PPI Claim

Fluent Loans PPI Claim

George Banco Loan PPI Claim

Glo Loan PPI Claim

GuarantorUs Loans PPI Claim

HSBC Loan PPI Claim

Halifax Loan PPI Claim

Hitachi Capital (UK) Plc Loan PPI Claim

Lending Works Loan PPI Claim

LendFair Loan PPI Claim

Lloyds Banks Loan PPI Claim

M&S Banks Loan PPI Claim

Madiston LendLoanInvest Loan PPI Claim

Metro Bank Loan PPI Claim

Moneyway Loan PPI Claim

My Car Credit Loan PPI Claim

Nationwide Loan PPI Claim

NatWest Loan PPI Claim

Ocean Finance Loan PPI Claim

Pareto Loans PPI Claim

Post Office Loan PPI Claim

Quid Cycle Loan PPI Claim

RateSetter Loan PPI Claim

Royal Bank of Scotland Loan PPI Claim

Santander Loan PPI Claim

Sainsbury’s Bank Loan PPI Claim

Smile Loan PPI Claim

SUCO Guarantor Loans PPI Claim

TFS Loans PPI Claim

TSB Loan PPI Claim

Tesco Bank Loan PPI Claim

The Co-operative Bank Loan PPI Claim

TrustTwo Loan PPI Claim

UK Credit Loan PPI Claim

UK Trust Loans Loan PPI Claim

Ulster Bank Loan PPI Claim

Yorkshire Bank Loan PPI Claim

Zopa Loan PPI Claim

Zuto Loan PPI Claim

To Start your Loan PPI Claim

Call 0333 443 2500


Complete our Simple Free PPI Check Service Form

Get a No-obligation FREE PPI Check**
Find Out If You Have PPI To Reclaim!
Don't Miss the PPI Deadline

Don't Delay - Start your PPI FREE CHECK with us Today !

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Customer Reviews


Can you Claim Back PPI on Loans, Credit cards, Mortgages or Store Cards?

PPI was Mis-Sold with these Products over the last 20 Years

Start your Claim with a FREE PPI Check** Check Multiple Accounts Let Us Find Out if You've Had PPI

Don't delay - £Millions still remain unclaimed!

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