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29th Aug 2019

Citizens Advice Bureau

The Citizens Advice Bureau (CAB) provides advice that is free, confidential and independent to help people overcome their problems. They are a voice on issues that matter to people and have strong roots in local communities.
If they identify an area where consumers are being treated unfairly by big corporations, the Citizens Advice will launch awareness campaigns to help as many affected people as possible. On rare occasions, if the situation requires it, action is taken by the Citizens Advice to encourage action to change what is affecting many people.

CAB and Mis-sold PPI

Once such action led to something being done about the PPI mis-selling scandal.
In 2004 Vince Cable, then Lib Dem Treasury spokesman, demanded an investigation into ‘inflated premiums and anti-competitive behaviour.’ A year later the Citizens Advice Bureau intensified the pressure for an investigation by releasing their own findings on PPI and how PPI had been sold after completing a survey of CAB clients.
The CAB survey of client debt started in 2001 and found 85 per cent had been unsuccessful in claiming on a PPI policy. Comparatively industry figures show that 85 per cent of claims were successful. This suggests that PPI is a problem for those who face financial and social exclusion as they are vulnerable borrowers who face financial difficulties.

There were four key areas highlighted:

  • Expensive prices – with premiums often adding 20% to the cost of a loan, and in the worst cases over 50%.
  • Ineffective policy structure – designed to exclude people from cover or limiting the chances of a pay-out to someone who was genuinely ill.
  • Mis-sold policies to consumers – these were often ineffective and without the customers knowledge / consent. They were sold as mandatory instead of optional, or sold to people such as the self-employed who would never be able to claim.
  • Inefficient PPI complaint handling procedures – claimants facing delays or complicated claims procedures, leading to further indebtedness and court action. Some borrowers couldn’t successfully claim on their PPI policy due to requirements for medical evidence that were unreasonable. Some CAB clients couldn’t afford getting medical evidence, so this was a barrier to claiming.

Source: Source:theguardian.com

Get FREE PPI Check** Before the PPI Deadline – 29th Aug 2019

If you have been sold PPI without wanting, needing or being informed of it, then you may be entitled to reclaim the money you’ve paid. To find out what PPI you could reclaim, start your FREE* No Obligation PPI Check by completing the form below.


1. We call you to start your PPI Check & Complete Forms

For us to proceed with your FREE PPI Check**, we will need to speak with you to confirm some details, including your FULL NAME, DATE OF BIRTH, and ADDRESS DETAILS (CURRENT AND PREVIOUS). We will also discuss which lenders we can investigate for you.

Once we have set up your PPI Check, we will post forms out for you to read, sign and return to us. You can call us on 01925 552 923 if you notice any details need changing.

2. You Sign, Date Documents & FREEPOST Back to Us

Sign and date the forms and return to us in the free post envelope provided – no stamp required!

3. Your PPI Check(s) are Registered with Lender(s)

We register your PPI check with your lender.

On average, a response will be issued within 6 weeks from your PPI information check being sent to your lender, although timeframes vary dependent upon the lender.

4. The Lender(s) Locate & Verify Account Information

If your lender cannot locate you or requires verification in order to release details, we will be in contact to obtain some further details of you in order for us to return them to complete the check.

5. Account(s) & PPI Status Confirmed by Lender(s)

Once you have been located/verified, your lender will return to us with confirmation of all accounts you have held with them for as far back as their records go. They will also confirm the PPI status of each account.

6. PPI Check Outcome(s) & Options Are Discussed With You

  • If you have not paid PPI, we will contact you to advise you of the same.
  • If your lender is unable to confirm whether PPI is on a particular account – we will contact you to advise you of your options moving forward on the possibility of presenting your claim for your refund.
  • If PPI is located on your account – we will again contact you to advise you of your options moving forward on presenting your claim for a refund.

  • A Special Note For Multiple PPI Checks

    If you have multiple checks with us for multiple lenders, the time-frames of responses from lenders may vary, however, we will always ensure that we advise you of which lender correspondence refers to and be available for support and guidance throughout this process on 01925 552 923, should you so require.



    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.

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


    Have you had any Catalogue Accounts between 1988 - 2014?

    PPI was sold with many Catalogue Accounts

    If you have ever had a catalogue account you may have been Mis Sold PPI and you could be due back thousands of £££'s.

    Let Us Find Out if You've were also sold PPI with our FREE PPI Check** service

    £Billions still unclaimed It Won't Cost You a Penny if There's No PPI! Member of the PFCA

    Don't delay - Start your PPI check and Claim Today !

    To Find Out Complete Our Form!


    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.