- If you make a mis sold PPI claim through us you’ll get a
• Dedicated Case Handler • A Freephone Number • No win No fee •
Plus, as well as receiving a Full PPI refund we’ll also make sure you get back any unfair charges that you may have paid
Here’s how it works
- You let us know about your PPI claim and we discuss it over the phone, it doesn’t matter if you fill in the form, we’ll still call you back to discuss your situation.
- If you’re happy to go ahead and we believe you have been mis sold PPI, then we’ll be more than happy to take on your case.
- Next, we’ll look through your paperwork and establish exactly how much you are owed in both mis sold PPI payments and any unfair charges.
- Then, we take your case to the banks, lenders and insurers and our legal team work to get your money back.
Lets be honest (and we probably shouldn’t say this) – it’s not just us that can help you start a PPI claim…
We know there are loads of PPI claims companies in the marketplace, you’ve seen the TV and Press adverts telling you to “make a claim now, before your time runs out”, one thing’s for sure – you have plenty to choose from. You can also take on your bank or lender alone. So, what should you look for when choosing a representative to handle your claim? Here are the essentials…
We believe a PPI claims company should never charge more than this.
As well as enough solicitors to give every case the attention it deserves, those solicitors need to be specialists in handling financial claims. Ours are, so should theirs be.
It’s an over-used statement but it’s still important to make sure the team you use only charge a fee if you win and if you lose you should pay nothing. That’s what we offer.
We know the exact costs of looking into whether you have a claim or not include the fees to get the paper work from the bank (if you don’t have it) and some admin hours. We never charge for this and any claim specialist you’re thinking of using shouldn’t either. Make sure they have a freephone number as well, 0845 and 0870 call costs can add up.
No massive TV budgets or cold calls, just a Great Legal Team, Friendly Advisers and a Freephone Number
If you agree to let us handle your PPI claim case
What exactly do you get?
We’re not a huge claims machine that pulls in customers from TV, radio and newspaper campaigns, we’re a small team which means your case gets the attention and focus needed to make sure a full payout is achieved.
It’s your money, you’re the victim, so we only take a 25% +VAT fee to cover our costs and make sure we can keep helping people.
We’ve been doing this for three and a half years now, which may not sound long but most ‘specialists’ have popped up in the last 12 months since the increased media coverage.
Why? Because your case needs to be handled by someone who knows how to deal with the delay tactics of powerful banks and lenders and keep you case on track.
If you win your case, we charge 25% plus VAT. If you lose your case, you won’t pay a penny and there are no other fees or costs at all.
It’s Easy to start your PPI claim:
- Simply fill in the form above or call us free on 0800 840 72 92
- We’ll discuss your claim and send out the paperwork
- You send it back, we assess how much you’re owed and if you’re happy, we’ll start the case
Call us today on 0800 840 7292 to find out if you have a borrowing with a hidden or mis sold PPI policy. Remember: it doesn’t matter if you have loans, mortgages, credit cards, car finance or expired agreements, you’re legally entitled to make PPI claims if you’ve been mis sold a policy.
What Our Customers Say…
Over the years we’ve helped loads of victims of mis sold PPI get their hard-earned cash back, many of them have been kind enough to give us feedback on the service they received. We’re currently getting all the information on each case and will have it for you to read soon!
PPI Claims Case Study
Of all the people we’ve helped over the years, some have been kind enough to let us do a case study on their mis sold PPI claim from phone call to payout, Mr Robb is one of them…
PPI Refunds UK helps William Robb recover £32,799.63
William Robb is one of the 32 million credit card holders in the UK and after hearing about the mis sold PPI scandal, he wanted to know if he had an unfair PPI policy. After researching on the Internet about why PPI has been mis sold and how to make a claim, Mr Robb decided to seek a PPI refund through our team at PPIRefundsUK.co.uk.
From Claim To Case:
Mr Robb filled out the form at www.PPIRefundsUK.co.uk in early August 2010 and his claim was instantly received by our claims adviser Rex. Rex called William to discuss his claim and sent out the forms required to start a case. The forms allowed William to inform us of the facts we need to handle a case, such as lender information, account details, and loan agreement particulars.
Once we’d received the information back, Rex spoke with Mr Robb to confirm all the details and to make sure he was happy for us to start his case and on 13th August 2010 our legal team got to work.
Our in house team used the information on the paperwork to request credit card statements from MBNA in order to establish how much of a PPI refund Mr Robb was owed. In addition to PPI payments, our team also went through the statements with a fine tooth-comb to find any unfair credit card charges that William was owed.
From Case To Payout:
Five months after handing the case over to our legal team, Rex received some great news to pass on to Mr Robb. On 19th January, Rex called William to tell him that he’d been refunded all of his unfair credit card charges, totaling £41.97. A great result, but Mr Robb was in line for another refund that would break all of our payout records and make £41.97 look like spare change.
On 22nd June 2011, Rex got a call from the legal team with the details of an offer from MBNA for a refund on Mr Robb’s unfair PPI payments. The offer was HUGE.
As soon as Rex put the phone down, he picked it up again and dialled Mr Robb’s number. After the hello’s, Rex moved on to the case: “Mr Robb, I have some details about a payout on your mis sold PPI case, are you sitting down for this?”
“A Refund of All Unfair PPI Payments”
After making sure William was sat down (health and safety first!) Rex informed him that MBNA had made a full first offer for a refund of all of his unfair PPI payments. But that wasn’t all…
They also offered to pay back ALL the interest that had accumulated on the PPI as well. But there was more…
As well as getting the premium payments and interest payments back, our team also secured the interest at 8% that Mr Robb would have earned if he had put the refund amount into a savings account.
So, how much did we win for Mr Robb?
In total, Mr Robb got back £9671.95 in unfair PPI payments.
Amazing right? But that’s just the start, he also received:
£4352.85 extra to cover the 8% interest he would’ve earned in a savings account! That’s a total of £14.024.80! But, that’s not all of it, are YOU sitting down, because this is where it gets incredible – William also received an extra £18,732.86 in PPI interest repayments.
(That means MBNA charged Mr Robb over £9500 for the PPI cover and over £18,500 in interest, making the cost of the interest alone almost double the cost of the policy! Shocking.)
In total, Mr Robb received a massive £32,799.63 transferred into his bank account. Imagine that ATM readout!
Needless to say William was very happy, having made the claim speculatively he ended up with a massive cash windfall. When asked what he was going to do with the money Mr Robb told Rex he’d be having the holiday of a lifetime and invited Rex to come with him!
Sorry Rex, you’ve got other PPI claims cases to work on!
Mis sold PPI Claims FAQ
One of our expert PPI claims advisers is waiting to go through your agreements with you and help you start your PPI reclaim, but if you first want some answers to the most common questions we come across, have a read of our FAQ…
Frequently Asked Questions
What is PPI?
PPI is Payment Protection Insurance and it’s also known as:
- ASU (Accident Sickness Unemployment)
- MPPI (Mortgage Payment Protection Insurance)
- Loan Protection Cover
- Redundancy Cover
However it’s put, PPI is a form of insurance that can be taken out alongside a loan, credit card, card finance or mortgage. The aim of the policy is to cover repayments should you be unable to do so yourself due to illness or unemployment, the problem is; it hasn’t done that.
What are the costs of making PPI claims?
It costs absolutely nothing to make your claim through the expert team at PPIRefundsUK. Unlike some companies, we think it’s your right to make a claim and you shouldn’t have to pay to do so. If you choose to let us fight your case, then your claim will be handled on a No Win No Fee basis. If we win, we charge 25% plus VAT on the charge, if we don’t win, you pay absolutely nothing.
How do I know if I can make a PPI reclaim?
Take a look at this checklist, does one of the criteria fit your situation? If so you may have a claim:
- Were you told or sold the wrong thing, meaning was a policy mis sold to you or did you even know about it?
- Where you unemployed or retired at the point of agreement?
- Were you self-employed when you took out the borrowing?
- Did you have any medical conditions at the point of the policy/credit agreement?
You may have a case if you weren’t asked relevant questions or informed about any of these factors affecting your policy.
Which lenders have mis sold PPI?
If you have a borrowing from any of the above lenders then there’s a strong chance that you have a mis sold PPI policy. If you’re unsure whether you have a PPI claim or want to get your reclaim started, simply fill out the secure online form or give us a call today on 0800 840 7292.
How long does a PPI Claim case take?
We’d love to tell you but every case is different and as such, payout times will vary. How long it will take for you to get your money back depends on when you took out the borrowing, what paperwork you have, how quickly the lender or insurance provider replies, how co-operative they are and the number of claims they’re dealing with. We’ve had cases turned around in 3 weeks but yours could take 3 months or longer, so be prepared for a wait.
How much of a PPI Refund will I get?
This varies depending on how many policies you have, how much you borrowed, how the policy was mis sold and how much the insurance provider charged you for the worthless cover. The average industry payout is £2,750, yours could be less, but it could also be more.
Can I make a PPI claim against a policy that has expired?
YES, whether you cancelled a policy, finished paying back the loan or defaulted, you can still make a claim.
Can I make a refund claim against a policy which I have actually used?
YES, even if you’ve made a successful insurance claim through the policy, you can still make PPI claims.
How far back can PPI claims go?
Banks and lenders must keep records of all their customer’s transactions and dealings for the past 6 years, if you don’t have the paperwork that came with the loan and it was paid off over 6 years ago, it may be difficult to make a claim. If you’re still paying off an old loan/credit card or took one out within the last 6 years, a claim stands a better chance of succeeding. Whatever your situation, it’s worth making a PPI claim – it’s free after all. To get your PPI reclaim started, simply fill out our secure online form or give us a call on 0800 840 7292.
Are you ready to reclaim what’s rightfully yours?
We’re so confident that we can offer you the best compensation package and win your case, that we guarantee the following:
If your can’t find your paperwork, we’ll pay to get it from your lender.
As well as mis sold PPI payments, we’ll also locate any unfair charges and include them in your case.
When we win your case, we’ll give you all of the payout minus 25% plus VAT to cover our costs, no other deductions, no hidden fees.
You’ll receive a dedicated case handler based in our Manchester office who you can call for free on 0800 940 7292 and speak to about your case.
That’s what you get when you claim through PPIRefundsUK.co.uk – the best personal service, focused around a maximised PPI claim payout, from one of the oldest PPI claims specialists in the industry.
- The company offers you a full, personal, dedicated service, not just a ‘claim and forget about you’ payout
- They clearly state their fees on their website
- You get a freephone number and no obligation information before you claim
- You get a dedicated person handling your case
If your claims company can’t guarantee all of the above, walk away because you’re not getting the best service possible.
Making a PPI claim through our team is easy and whether you know you have a mis sold PPI policy or not, your PPIRefundsUK.co.uk adviser and lawyer will make sure you get every penny of the refund that you are entitled to.
To find out how much of the £6bn PPI refund pot you’re owed to or to start your claim today, call one of our team for free on 0800 840 7292, and whoever you choose to claim through – we hope you get all of your mis sold PPI payments back.