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29th Aug 2019

Terms and Conditions

PPI Check

The PPI Check service is a free, no obligation service. To determine your PPI status we will submit your PPI check request to your lender via their pre-submission process. If no PPI is found, we will advise you of this, the case will be closed and there will be no charge to you. If the lender confirms that PPI was or may have been present we will call you with a view to submitting a formal complaint to the lender, and explain the next steps in the process. The decision is yours on whether you authorise Money Management Team to carry out the complaint on your behalf.

By agreeing to submit a formal complaint you are agreeing to the PPI Claim terms and conditions shown below. In the event of us offering the PPI Claim service and you do not wish to proceed with the PPI Claim, we will close your case and there will be no charge for the work done.

PPI Check Timescales

On average, we receive a response to the PPI Check back within 6 weeks from us issuing the request to your lender. However, timeframes vary dependent on the lender and whether that lender requires further information in order to facilitate your check.

PPI Check is a FREE service with no obligation to proceed following the check, if you do wish to proceed to complaint stage then the PPI Claim terms and conditions detailed below would apply. You are entitled to cancel this PPI Check service agreement at any point prior to a formal complaint being submitted.

PPI Claim

Should your lender confirm that PPI was or may have been present, we will contact you to confirm if you wish to proceed with the PPI Claim process. Should you wish to do so, we will complete a complaint pack in preparation for a complaint submission. By completing this complaint pack, you are agreeing to the PPI Claim terms and conditions as below. These terms and conditions supersede the PPI Check terms and conditions above. Upon being offered our PPI Claim service, should you decide not to proceed, we will close your case and there will be no charge to you.  You are able to make a PPI complaint directly yourself. All lenders and the Financial Ombudsman Service offer a free service for your complaint; however, we aim to make the process as smooth as possible for you. Your complaint will be submitted to your lender via our complaint process. If unsuccessful we may refer your case to the Financial Ombudsman Service and we will not use the Court Service.

Our aim is to provide an assessment service in respect of products, advice and services you may currently hold or have previously undertaken or received in order to establish whether there is ‘in principle’ a potential claim in respect of any financial loss that you may have suffered including any undisclosed commission wherever applicable. After completion of an initial questionnaire and a careful case assessment, if it then appears that you have suffered a financial loss Money Management Team Limited will aim to actively pursue that claim or claims on your behalf. We will notify you in writing of any offers of redress made by the financial company. Only sign the Letter of Authority to Act form and return to us if you wish to be bound by our terms and having researched other methods of making a claim yourself such as the Financial Ombudsman Service and you are happy to engage our services. Please keep this copy for your records. If MMT were identified by a third party as being a service provider who may be more suitable to your circumstances, and you choose to accept our service, please be advised that any transfer of business will relate to any and all matters. If it is found that the amount of undisclosed commission involved in the sale of your PPI policy was unfair you should receive: A refund of any undisclosed commission above 50% along with the interest that you have incurred on this, and in many cases a further interest of 8% on this figure

Our Fees

Money Management Team Limited will work for you on a No Win No Fee basis, and we aim to identify additional claims as part of our audit process. In some instances, your lender may decide to reinvestigate your complaint. If this results in your claim being upheld you will still be liable for our fees. We may pay referral fees for claims management business introduced to us.  We will charge a success fee where we are successful in reducing your debt liabilities or reclaiming redress on your behalf. Our standard Fee is 20% plus VAT* which is a total of 24% (at the prevailing rate) of the total redress offered by the lender of any successful mis-selling enquiry or claim. Please note, our fees are due on the total amount of redress/commission prior to HMRC’s deduction. *Our fees are subject to Regulatory Change and will be charged at the prevailing maximum rate; however, we will never charge you in excess of 20% +VAT.

Fee Examples

1. Full Refund example

Refund of premiums £2,000
Reduction of loan £0
Total amount recovered £2,000
Our fees on this matter would be
£480.00 (20% – £400.00, VAT – £80.00)
Consumer receives – £1,520

2. Partial Refund example

Refund of premiums £1,500
Reduction of loan £500
Total amount recovered £2,000
Our fees on this matter would be £480.00 (20% – £400.00, VAT – £80.00)
Consumer receives – £1020

3. No Refund Reduction of Loan example

Refund of premiums £0
Reduction of loan £2,000
Total amount recovered £2,000
Our fees on this matter would be £480.00 (20% – £400.00, VAT – £80.00)
Consumer pays – £480

Our fee will be payable by you regardless of which claim refund method you’re offered by the lender. The payment method adopted will depend on your circumstances. If you are in a debt solution, we will only pursue a claim if it is in your best interest to do so or on Instruction of your Insolvency Practitioner. We will obtain your agreement before accepting any offer or redress however we cannot take responsibility for any refund calculation completed by the lender if this is proven to be incorrect or incomplete. We cannot give you any guarantee about the success of any claim. If your claim is successful any PPI attached to the policy/policies will be cancelled and you will no longer have the PPI cover in place. If Money Management Team cannot deal with your claim, where appropriate you will be offered a service provider which may be more suitable to your circumstances, and should you choose to accept this service, you understand that any transfer of business will relate to any and all matters. MMT may receive a referral fee from the business

Your Right to Cancel

You are entitled to cancel this agreement at any point. Should you wish to cancel at any time please contact us on 0800 103 2631 or 01925 552923 OR email us at complaints@moneymt.co.uk OR you can download the cancellation form on our website www.moneymt.co.uk  or complete the digital cancellation form. OR you can contact us in writing at Money Management Team Limited, Unit D Ribban Court, 20 Dallam Lane, Warrington, Cheshire, WA2 7NG. We advise that you obtain proof of postage if sending via post. 

What You Need to Do

  • You will be required to supply us with all relevant documentation in your possession to pursue or evidence your claim, this may be but not exclusive to: copy loan agreements, copy running credit agreements, copy correspondence from the lender or insurance provider.
  • Tell us if you move house or change contact details
  • Return to us with any information that we need from you
  • Tell us if the lender contacts you directly
  • Allow us to deduct our fee before forwarding the balance to you


Money Management Team Limited: Regulated by the Claims Management Regulator in respect of regulated claims management activities;
Its registration is recorded on the website ww.claimsregulation.gov.uk (CRM34681). Registered with the Information Commissioners Office, Registration number: ZA029120. Registration Address: Railex Centre, Crossens Way, Marine Drive, Southport, Merseyside, PR9 9LY
Company Number: 08290403/VAT Number: 180 982579 Calls may be recorded for training and security purposes.

Customer Satisfaction

At Money Management Team we continually strive to improve the level of service that we provide to our clients. As such, you may receive an invitation to participate in a customer satisfaction survey via Feefo, Survey Monkey email or Facebook

Dissatisfaction – What to do.

If at any time you wish to make a complaint about any aspect of the service you have received from MMT please contact our office by telephone 01925 552 923 or 0800 103 2631, or by email at complaints@moneymt.co.uk or by appointment, or in writing for the attention of the Complaints Department: Complaints Manager, Unit D Ribban Court, 20 Dallam Lane, Warrington, WA2 7NG

A copy of our Complaints Procedure has been provided in your initial documentation and is also available on our website at www.moneymt.co.uk or upon request by contacting our office. If we are unable to resolve your complaint then you can have the complaint independently looked at by the Legal Ombudsman. The Legal Ombudsman investigates complaints about poor service from claims management companies.

The Legal Ombudsman can investigate complaints up to six years from the date of the problem happening or within three years of when you found out about the problem. If you wish to refer your complaint to the Legal Ombudsman this must be done within six months of our final response to your complaint. If you would like more information about the Legal Ombudsman their contact details are as follows:

Call 0300 555 0333 between 8.30am to 5.30pm Mon – Fri
Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.
If you are calling from overseas please call +44 121 245 3050
NGT Lite users: 18001 0300 555 0333
Minicom text phone user: 18002 0300 555 0333
Email cmc@legalombudsman.org.uk

Or in writing at:

Legal Ombudsman,
PO Box 6804,
Wolverhampton, WV1 9WG

Data & Confidentiality

All of your data is controlled & processed in accordance with the General Data Protection Regulation & will be used to help us process your case. Your files are kept for up to 7 years & will be returned to you upon request. Our Privacy policy can be located at https://www.ppiclaims.com/privacy-policy.html Our post handling centre will securely destroy any documentation you provide us with, please refrain from sending any original documents to us.

Using companies to process your information outside the EEA

All countries in the European Economic Area (EEA), which includes the UK, have similar standards of legal protection for your personal information. We may run your accounts and provide other services from centres outside the EEA (such as South Africa) that do not have a similar standard of data protection laws to the UK. If so, we will ensure that your personal information is to be protected to at least UK standards.

If there is any part of this agreement you do not understand, or you require it to be supplied in a larger print, or if English is not your first language, then please call your claim handler on: 0800 103 2631.


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

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.


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

Let us Check If you Qualify for a PPI Refund

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

Don't delay - Start your Claim with a PPI Check · Beat the PPI Deadline


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.