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START A FREE PPI CHECK**

PPI CLAIMS DEADLINE - 29th Aug 2019


0333 443 2500

What is a PPI Check?


We offer a Free PPI Check** which aims to find out if you were sold PPI on any financial agreements, before you decide whether to pursue a complaint. The aim of this is to determine which of your accounts had PPI attached and which did not; this can also result in finding additional cases you may have forgotten about. If your PPI Check shows that PPI was or may have been present, you will be advised of your options and the possibility of recovering any PPI you may be owed from your lenders.

How we find out if you have PPI

The first thing we will do is submit a PPI request to any lenders you recall having finance with, in order to identify any PPI sold to you.

The lenders we deal with have different timeframes on when they are able to return the information to us, however our average timeframe for the PPI Check process is 6 weeks from sending the request to them, to receiving a response.

When the response is received, we will advise you if they have been able to confirm whether or not your account(s) had PPI attached and will advise you of the next steps.

In some cases, what appears to be a single loan which has been topped up is actually a series of different loans, often coming with different account numbers. Some of these may have PPI attached while others may not.

As soon as we have discovered that you were sold a PPI policy, we will contact you to inform you of your options

We offer a Free* PPI Check to start your PPI process to find out what PPI you could reclaim from your lenders.

Click the “Start My PPI Check” tab below or call 0333 443 9158


Confirmation of any PPI Policies found

We will let you know the outcome of this initial check, either by phone, text, letter or email. If we find that you did have PPI we will keep you informed, likewise if we find that you do not have PPI, we will let you know.

Please note: In some cases, PPI may have been taken when the policy was sold and cancelled shortly afterwards. This would come back to us as showing that PPI had been sold, however if this was cancelled during the cooling off period, the investigation may show a “No PPI” result. This would mean that you were never charged for the cover and would have nothing to claim back in compensation.

What happens next

If your lender confirms that PPI is or may have been present, we will advise you of your options, including the possibility of proceeding with the PPI claim through us. Should you decide to do this, we will gather information from you and complete the questionnaire required to make a PPI claim. Once you’re happy with that and have signed and returned the forms to confirm this, we will make a claim to recover any PPI you may rightfully be owed.

Ask us to handle your claim

If you feel that you may have been ms-sold PPI and would like us to act on your behalf, we will take some basic information in order to conduct a PPI check through one of our Claims Advisors. If no PPI is present, you will be informed of this.

If the check establishes that PPI is or may have been present on your agreement you will be contacted regarding the next step – submitting your claim. Again, this aspect will be handled by our main brand.

If you decide to accept the offer of our services, we request that you return the signed paperwork as soon as possible. We will then begin working on your claim using the details that you have provided.

Important Additional Info

Our Free PPI Check** is a standalone, no obligation service which you can cancel at any time if you wish to do so. If you continue to the PPI Claim service, you have a 14 day cooling off period in which you can cancel without any charges. Should you cancel the PPI Claim service after this cooling off period, we reserve the right.to charge a reasonable fee for work completed on your behalf.

All successful claims will be charged at 20% + VAT of the total redress offered by your lender.

Example: If you are awarded £1500 from your lender, our fees would be £360 (20% = £300 + VAT = £60).

It is possible that we need to involve the Financial Ombudsman Service (FOS) during the complaint process if your lender does not uphold your complaint.

If this is necessary, we will send you a FOS complaint form to review and sign, once this has been completed we will be able to refer your claim to the FOS. It is important that you return these forms quickly, as complaints must be referred to the FOS within six months of receiving the lender’s ‘Final Response’ letter.


To Start Your PPI Check” call us on 0333 443 9158

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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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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.