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PPI CLAIMS DEADLINE - 29th Aug 2019


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Appealing a PPI Claim Rejection

Rejected PPI Complaints

If you had a previous complaint about mis-selling of PPI rejected, you can still complain about commission earned by a bank or other provider.

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As disappointing as it may be to receive a letter saying that your PPI claim has been rejected, this doesn’t always mean it’s the end of your fight for compensation.

If you have made a claim that has been rejected by your lender, it may be necessary to pass your case onto the Financial Ombudsman Service (FOS) who would be able to review your case from an independent position. The FOS has the power to overturn a rejection should they decide that the lender had sold the PPI policy unfairly. This is a free service and will cost no extra money.

The FOS are well versed in handling PPI claims, with them receiving thousands of new cases each week. Unfortunately, the volume of complaints is so large that the FOS is struggling to keep up with the perpetual flow of PPI claims.

What should I do if I receive a rejection to my PPI complaint?

The first thing you should do if your claim is rejected is to contact us as soon as possible. Lenders are supposed to copy all correspondence to Money Management Team, however this does not always happen. Rejections need to be responded to as soon as possible, so informing us quickly is vital to the appeal process.

Appealing against a PPI rejection?

We will evaluate your case and, if we find there is valid reason to appeal the rejection, we will compile a case and present it to the FOS. In some cases, we are able to appeal directly to the lender; in order to do so we will need the following:

  • We will need to discuss the details surrounding each of the points given in the rejection letter in order to appeal on your behalf
  • We will need you to sign and return the provided forms as soon as possible, as this will enable us to begin the appeal process sooner

How long will my claim take if I appeal?

The FOS are not required to meet any deadlines or act within timeframes which, coupled with the backlog of claims they are experiencing, can mean that an investigation takes between 18 and 24 months. Until they settle the dispute, the lender is under no obligation to provide any compensation so we must wait until the FOS investigation is concluded and a verdict is given.


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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 Your Mis-Sold PPI - Deadline Ends 29th August 2019‎

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Complete the PPI Check Form Sign & Return The Paperwork We Will Commence Your Free PPI Check**

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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.