“UK banks and lenders have set aside
£5.5bn for PPI claims, if you have any
kind of borrowing make sure you receive your share”

PPI or Payment Protection Insurance has been mis sold to around 20 million people in the UK by banks, lenders and insurers who have included unfair or hidden policies in loans to cash in on expensive premiums.

If you live in the UK and have a current borrowing or have paid off a loan of any kind in the last six years then there’s a very good chance you’ve been affected by mis sold PPI and are owed a refund. At the end of April the banks and lenders who sold PPI were told by the High Court that they have to pay out compensation to all the customers they mis sold PPI to. The banks then took a month to mull over the decision before they all agreed that they WOULD PAYOUT REFUNDS and set aside just over £5.5bn to do so.

This is what turned PPI claims from a few people into a full on PPI compensation scheme, open to all people with a loan.

The banks and lenders are now simply waiting for you claim to be made, they’ve collectively hired 6000 staff and rented extra office space JUST SO PPI CLAIMS CAN BE HANDLED, that’s how many claims they expect. All you have to do is pick up the phone and see if you’re eligible for a PPI refund. If you’re ready to do that, then call our team on 0800 840 7292, it’s completely free to call and claim and if you just want some more information that’s fine because there’s NO OBLIGATION WHATSOEVER.

How likely is it that you have a mis sold policy?

Over 1.5 million financial consumers in the UK have already made a PPI claim and over £4 million has been paid out as a result. When you consider that there are potentially over 20 million mis sold PPI policies and £5.5bn in a pot waiting to be claimed, you can see why your loans could be hiding a cash windfall ready to be collected.

But get this, one bank is paying out full refunds on policies PLUS 8% interest to all PPI policy holders, whether they’ve been mis sold or not, if you have or had a policy – you WILL get a refund, guaranteed.

This bank is Barclays and other lenders are soon to follow suit. All of the major high street banks have set aside cash to refund PPI policy holders:

Lloyds Banking Group, (and Halifax) put aside £3.2bn

Barclays – £1bn

The Royal Bank of Scotland (RBS – Natwest) – £1bn

HSBC – £270m

Coop – £90m

They know they’ve been busted for selling over-priced, inappropriate, useless, worthless insurance to their loyal customers for years and now they’ve been caught out, they’re stumping up the cash. They wouldn’t have done it if they hadn’t been found out and brought to justice by campaigners and watchdogs, so make sure all their hard work wasn’t for nothing – get your payout from the £5.5bn or just let the bank keep it – your choice.

How to claim your PPI refund through PPIRefundsUK.co.uk

1. You call us and let us know about your loans and we’ll help you find out if you have any mis sold PPI policies, it doesn’t matter if you fill in the form above, we’ll still call you back to discuss your situation.

2. We’ll send you out a form to let us know the details of your borrowings.

3. Next, if you don’t have the paperwork for the loan, we’ll send off for it, pay the fee and deal with your lender so that you don’t have to.

4. Once the paperwork’s back we’ll have our lawyers inspect it and let you know whether you have a claim, then and only if you’re happy to do so, we’ll take on your case and start the process for your refund.

It really is that simple, there’s no jiggery pokery and we honestly do want to get you as much of a refund as is possible. If you want to start your claim now, simply call us on 0800 840 7292.

Small Enough To Care, Big Enough To Win You A Maximum PPI Claim Payout, Cheesy But True!

We know there are a lot of ‘PPI Claims Specialists’ out there, big players that advertise on TV and lots of local companies, so why should you use us instead of them? Here’s what we think:

- We’re a small team of 27, which means you WILL speak to the same person each time about your claim (unless they’re ill or on a training day). The adviser you first speak to about your situation will be your sole point of contact for information and updates, there’ll be no foreign call centre, no ‘notes missing on your file’ and you’ll only need to explain things once.

- We work with specialist solicitors meaning you will more than likely be represented by a local PPI claims specialist. This makes sure that your claim is handled by someone who knows the procedure, avoids the classic delays and gets your payout as efficiently as possible.

- As well as the service, there’s the payout – our focus on every case we handle is to make sure you get the highest refund possible. We’re not about getting claims through the door, processed and done, we want to make sure you get every penny you’re entitled to, so when the lender comes back with the usual low offer, you can be sure that we won’t be settling for it.

We’ve recently handled bank transfers to customers of £19,401.01 and £32,799.63 for PPI refunds from Abbey National and MBNA respectively, imagine that read out on the ATM machine! To find out if you can seek a PPI refund, call us on 0800 840 7292 today and we’ll let you know if you have a PPI claim, remember: there’s no obligation, no sales talk and no commitment required, just a few details and 5 minutes of your time. To get started simply fill out the form above or call for free on 0800 840 7292.

Our Customers Love Our PPI Claims Service.

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Of all the people we’ve helped over the years, some have been kind enough to let us do a case study on their PPI claim from phone call to payout, the one below is about CASE STUDY NAME’s case, take a look…

CASE STUDY

As you can see, our service and legal expertise worked for CASE STUDY NAME but…

When YOU agree to let us handle your case – what exactly do you get?

Lets take a look…

A Personal Service

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.

25% + VAT Fee With No Other Deductions

It’s your money, you’re the victim we only take 25% + VAT to cover our costs and make sure we can keep helping people.

Experienced PPI Claims Specialists

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.

Unfair Charges Refunded As Well

Our legal team will go through all of your paperwork to find any unfair charges you may have paid on the borrowing and include them in the case.

Expert Solicitors

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.

No Hidden Costs

When you buy anything, you want to know the price and using our service to seek justice shouldn’t be any different, so we let you know the fee and no claims company ever needs to take more than 25%.

And finally, a Big One – A Dedicated Point of Contact For Your Case

Why? Because you should be able to call us and speak to someone that you know and that knows all about your case. No explaining things twice, no ‘notes lost’, just clear and friendly support direct from our Manchester HQ.

PLUS:

When you start your claim today you also get:

tick. A Free 0800 Number To Check Up On Your Claim and a geographical number for your mobile

It’s Easy to find out how much you’re owed and start your claim:

1. Simply fill in the form or call us free on 0800 840 7292

2. We’ll quickly assess your claim and if you’re happy, we’ll start the proceedings

3. You’ll receive your share of the £5.5bn compensation pot as soon as possible

Call 0800 840 7292 now to see how many mis sold PPI policies you have and find out how much you are owed. Remember: it doesn’t matter if you’ve paid off a loan, defaulted or re mortgaged, each borrowing could have a PPI policy included and you may have been paying for worthless cover without even knowing it. Part of your loan repayment this month could be going towards a payment protection insurance policy that is over-priced and completely useless, the questions is – are you OK with that?

Some Questions And Answers – The PPI Claims FAQ

What is PPI and why has it been mis-sold?

Payment Protection Insurance or PPI is a type of insurance available when you take out a loan, it’s designed to protect you from going into arrears if you cant make a repayment for a specific set of reasons. Fundamentally it’s a great idea and one you may seriously consider if offered it, however, you may have been paying for it already without knowing.

Up to 20 million Payment Protection Policies have been mis-sold as part of loans either without the consumer knowing or without the full details being explained. If you have taken out any of the following in the last 10 years, whether you’re still repaying or not, you may be able to reclaim thousands of pounds back in compensation:

• Mortgage
• Personal Loan
• Car Loan
• Secured Loan
• Consolidation Loan
• Credit Card

The common mis-sell of Payment Protection Insurance (PPI) is it’s inclusion in a loan agreement either on a compulsory basis or without notification, the result is you may have been paying too much for a policy you don’t even know you have.

How do I know if I’ve been mis-sold PPI?

It’s not just the concealment of insurance policies within loan agreements that’s the problem but also the sale of inappropriate policies to ill-advised consumers. Severe bad practice from Loan providers has resulted in up to 20 million consumers being mis-sold Loans, Mortgages, Credit Cards and Car Finance and here’s how to tell if you’re a victim:

Key points to consider:

• If you were self-employed, unemployed, redundant or retired when you took out the loan? If you’ve paid or been paying for insurance that provides unemployment cover and the provider knew you were not in need of it, you have been mis-sold.

• Have you had a medical problem in the past? Most policies won’t cover you for medial conditions you’ve had in the past. If this wasn’t made clear to you or were never asked about your medical history, you may have a claim.

• Has your provider already been fined for mis-selling? This is a simple way of gauging how likely it is you have a claim. Many providers have already paid out on claims and been fined for mis-selling.

• Were you sold a ‘single premium’ loan policy? This type of policy puts a lump sum on your loan amount at the beginning of the repayment term to cover the insurance. If you have had or do have one of these you may have a strong reclaim opportunity.

• Were you given full details of the insurance? This really covers the whole problem with mis-sold PPI. As a responsible lender, your loan provider should have told you about the full T’s & C’ of your loan insurance policy, if they didn’t, you have been mis-sold.
• Have you borrowed any of these from any of these lenders:

If ‘yes’ then there’s a strong chance that you have a PPI policy as all of these lenders have been fined by the Financial Services Authority (FSA) for mis selling PPI.

Can I make a PPI claim if I have an IVA?

YES. Loans, credit cards and other borrowings that you’re repaying through an IVA may have PPI policies attached and you can still receive a refund if they’ve been mis-sold.

How long does a payout take?

Every PPI reclaim case is different and payout times will vary depending on when you took out the borrowing, what paperwork you have, how quickly the lender or insurance provider replies. Our team deals with our end of the case as quickly and efficiently as possible and have won payouts in as little as 3 weeks but yours could take 3 months or longer, so be prepared for a wait.

How much will I get?

This varies depending on how many policies you have, how much you borrowed and how much the insurance provider charged you for the worthless cover. So far, banks have refunded mis sold PPI victims to the tune of just over £7 billion. The consumer watchdog, Which? estimate that around 2 million policies have been mis sold and the average payout is currently around £2,750. Of course, yours could be less, but it could also be more. The only way to find out, is to make a claim.

Can I make a PPI claim against a policy that has expired?

YES, whether you cancelled a policy or finished paying back the loan, you can still make a claim.

Can I make a refund claim against a PPI policy which I have actually used?

YES, even if you’ve made a successful insurance claim through the policy, you can still make a PPI refund claim.

How far back can I claim?

If you have taken out a Mortgage, Loan, Credit Card or Car Finance in the last 10 years, there’s a good chance you’ve been mis-sold PPI, even if you’ve re-mortgaged, paid the debt off or defaulted. The strength of your claim depends on a number of factors and is determined by your own individual circumstances.

How do I know if I’ve been paying for Payment Protection Insurance?

Many Banks and Building Societies only provide quotes based on the ‘with insurance’ figure and fail to mention that part of the cost is for PPI. With sales patters like “the fully protected loan will cost…” it’s no wonder that you may have signed up for a PPI policy that you were completely unaware of.

The first step towards finding out if you have been mis-sold PPI is taking a look at your original loan agreement, if you have PPI it should be shown in the breakdown of payments section. If you don’t have your agreement or you’re unsure about what it says, you can call us on Freephone 0800 840 7292 and speak to a one of our friendly advisors about getting your completely FREE – NO OBLIGATION assessment.

I was told I had to take out Payment Protection Insurance to get the loan – was I mis-sold?

If you’ve applied for a Mortgage, Loan, Credit card or Car Finance and been told by the provider that you must also have an insurance policy from them; then you could have a claim. By subscribing to the Banking Code your lender has agreed not to insist upon forcing consumers to take insurance in order to get the loan or card and is therefore breaching regulations.

Did I need unemployment cover when I took out Payment Protection Insurance?

A major selling point of PPI (if it’s sold properly) is the unemployment cover it provides should you find yourself out of work with payments to make. But this is only suitable if you were working at the time you took the policy out; if instead you were any of the following then it’s possible you’ve been mis-sold PPI:

• Retired
• Unemployed
• Worked under 16 hours per week
• Self-employed
• Full time Student
• Stay at home parent

My lender says I have already paid for my PPI and won’t give me a refund.

This is a common complaint from consumers who signed up to a ‘Single premium’ or ‘Front Loaded’ Payment Protection Insurance (PPI). With these policies, all of the interest for the PPI is calculated and added to the loan amount as a lump sum at the beginning of the term.

Under the regulations set out in the Banking Code, your loan provider has a duty to provide you with the best product for your situation, based on your best interests. If you’ve been sold a Single Premium PPI as part of a loan and weren’t made aware of the alternative ‘pay monthly’ insurance options, you can claim a refund.

There is insurance on my loan but it’s not called PPI, is it the same thing?

Although often referred to by the media as Payment Protection Insurance or PPI; loan insurance is also known by a number of different names. These include:

• Loan Protection Insurance (LPI)
• Accident Sickness unemployment (ASU)
• Personal Loan Protection (PLP)

“The most important thing is that whoever represents you is working in your best interests”

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GUARANTEE IMAGE and copy:

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.

When we win your case, we’ll give you all of the payout minus just 25% to cover our costs, no other deductions, no hidden fees.

As well as getting your PPI payments back we’ll also check your loan for any unfair charges and win those back for you as well.

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.

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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.

Remember: There are a lot of companies who offer their services to help you to make your claim, so whoever you choose to handle your PPI claim, make sure:

tick. The company offers you a full, personal, dedicated service, not just a ‘claim and forget about you’ payout

tick. They clearly state their fees on their website

tick. You get a freephone number and no obligation information before you claim

tick. You get a dedicated person handling your case

If they can’t guarantee all of this, 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, your PPIRefundsUK.co.uk adviser and lawyer will make sure you get every penny of the refund that you’re entitled to. To find out how much of the £5.5bn PPI refund pot you’re entitled 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.