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Tag Archive: ppi refund claim


PPI CLAIMS: Save Your Money!

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February 9, 2011

If you are one the thousand people who have taken a loan, mortgage, or credit card with PPI, It is eligible to claim back PPI (payment protection insurance). The amount of compensation you may reclaim will depend on the amount of time you have been paying into the policy and the monthly amount payable. A successful PPI claim will result in a full refund of the premiums paid into the policy, plus interest where applicable. If you have been mis sold PPI then you could make a PPI reclaim and get all of unfair payments you’ve made, back in your pocket. To start your PPI reclaim, give one of our expert’s a call now on FreePhone 0800 840 7292.

You can make a PPI claim even if the loan is no longer running off, if you have cancelled the policy but continuing to repay the loan. We deal with the whole process of reclaiming PPI on your behalf and check any compensation offer to ensure that it is fair and reasonable. Most of the Lenders have been known to make “goodwill gestures” which are significantly less than the total amount of the claim and does not include any interest at all. We also aim to maximize the amount of compensation due to you by ensuring and securing that any calculation is fair and reasonable and also includes an element of interest. To give your PPI reclaim, the best possible chance of succeeding is to give one of our friendly experts a call now on 0800 840 7292.

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PPI CLAIMS: A solution for the in – need customers

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February 9, 2011

Payment Protection Insurance (PPI) is an insurance policy designed to cover your monthly finance repayments, if you are unable to pay them due to not being able to work. With a PPI policy, an agreed sum of money is paid out each month to fully cover (or with some policies cover a percentage of) the payment due on your finance.
A PPI policy will cover you, if you:
·         Become unemployed, through no fault of your own
·         Are involved in an accident
·         Suffer an illness

iSmart Consumer Solutions have the knowledge and know how, to claim PPI back. We are UK specialist in mis – sold PPI claims. We have helped over 100,000 customers and have recovered more than £57 million in mis – sold PPI claims and other unfair charges.

Apply to get a refund on your mis – sold PPI with iSmart, by thinking smarter, we know how to claim PPI back. To begin a claim for mis – sold PPI, you can either apply online or call us on (0800 043 3025) Once we have you information we will send you an application pack with everything you need to claim PPI back. If you wish to claim for mis – sold PPI on more than one loan or credit card, we will send you additional claim packs. Send the application pack back to us in the freepost envelope provided and we will start the claim process.

If any of the following statements apply to you, we can assess your claim for a refund of premiums and interest charged:

·         You didn’t ask to purchase a PPI policy, but it was added to your finance anyway
·         It was implied that PPI was compulsory or that by taking it, you would have a better chance of obtaining finance
·         Policy exclusions, such as stress related illness and back problems were not explained to you
·         You were unemployed, retired or self – employed when you took out the cover
·         You had a medical problem or illness at the time of taking out the cover that could have kept you from working
·         At the time of the sale you exceeded the upper age limit, usually 65 or 70
·         You already had alternative means of meeting your payments such as income protection or an employee benefits package, and were not asked about this cover at the time of the sale
·         You purchased PPI to cover a long term loan, and the insurance sold to you covered a much shorter period and this was not explained to you.

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Claim Back Credit Card Charges

Filed Under: Credit Card Charges by admin — Leave a comment
February 9, 2011

There is recent news about some credit card companies who have led their consumers into buying PPI on their credit cards. Some consumers believed that their application to their new credit cards were more likely to be accepted if they gave in to the sale of PPI with their cards. Sources state that over 9.8 million people possess credit cards that have been sold with PPI and 13% of these people got it under the premise that it was a condition to seal the deal or would boost their chances of application.

These inappropriate sales techniques are grounds to claim back credit card charges especially for those who were misled. While they may charge you fines for exceeding limits or late payments the rates for fines may also include those collected for the mis-sold PPI. If you have been mis sold PPI then you could make a PPI reclaim and get all of the unfair payments you’ve made, back in your pocket. To start your PPI reclaim, give one of our experts a call now on FreePhone 0800 840 7292.

Card companies tell consumers that having the cover of PPI is a good idea and would not state the cons of having one being the exclusion of certain situations and that PPI can be difficult to retrieve. Mis-sold PPI is a ground to claim back credit card charges and PPI refund as well. To give your PPI reclaim the best possible chance of succeeding, give one of our friendly experts a call now on 0800 840 7292.

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What Entitles You To a PPI Reclaim?

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February 8, 2011

In availing a loan, you are more aware of the money you spend. You take into consideration the interest rate and would estimate how much monthly you would spend in paying back the loan. PPI policies are a choice for borrowers should they have a worry if they would be hampered by health in working or become unemployed. This certain policy can add 13%-56% of the cost of your loan so you really have to be sure you really need it. It’s not really a bad product but it’s costly given your already existing loan.

Now, being mis-sold PPI policies would legally entitle you to a PPI reclaim. If you were wrongly advised at the time how much are the policy payments and charges you can make a PPI claim. Not being presented by other loan insurance products by your lending company are also grounds for a PPI claim. If you have been mis sold PPI then you could make a PPI reclaim and get all of the unfair payments you’ve made, back in your pocket. To start your PPI reclaim, give one of our experts a call now on FreePhone 0800 840 7292.

Recent records still show that banks and lending firms are still rejecting almost all of the PPI reclaim cases they receive leaving a lot of pending cases with the Financial Ombudsmen Service. To give your PPI reclaim the best possible chance of succeeding, give one of our friendly experts a call now on 0800 840 7292.

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Credit Card Charges Claim: Will It Affect My Credit Score?

Filed Under: Credit Card Charges by admin — Leave a comment
February 2, 2011

With the increasing number of people who are claiming back unfair credit card charges, others are worrying whether or not it would affect their credit card scores. Worry no more. Credit card charges claim does not affect your credit card score. It does not have any bearing with your credit rating since claims would not be reflected in your files. However if you have late or missed payments as well as went over your limit, then this is the time it will affect your scores.

In the process of reclaiming, you can write to your bank about the unfair charges made in your card. Some of the popular ones nowadays are PPI. If you have been mis sold PPI then you could make a PPI reclaim and get all of the unfair payments you’ve made, back in your pocket. To start your PPI reclaim, give one of our experts a call now on FreePhone 0800 840 7292.

The process of credit card charges claim is the same as claiming mis sold PPI. You have to inform your bank by writing them a legal letter regarding such matter. Then wait for the response of the bank. Since there this an ongoing trial regarding PPI claims, it might take a while. However, the bank is given 14 days to make a response regarding your claim. If still ignored, you can seek help from the Local Court and Ombudsman.

To give your PPI reclaim the best possible chance of succeeding, give one of our friendly experts a call now on 0800 840 7292.

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Unfair Credit Card Charges: How to Avoid Them

Filed Under: Credit Card Charges by admin — Leave a comment
February 1, 2011

Do you honestly believe that there are actually no hidden charges with credit cards? You better think twice. For the past years, credit card companies have developed fraudulent schemes to earn profit from credit card consumers. There have been a lot of complaints regarding unfair credit card charges up to present. Aside from such, this is the same for mis sold PPI. If you have been mis sold PPI then you could make a PPI reclaim and get all of the unfair payments you’ve made, back in your pocket. To start your PPI reclaim, give one of our experts a call now on FreePhone 0800 840 7292.

The bank charges a lot from late credit card payments, missing a payment because the bank failed to send your statement of account, or paying only the partial amount in your total bill. These unfair credit card charges are the ones that will pull you into debt if unnoticed.

How to avoid being scammed?

  • Read everything before signing up. If there are things that are unclear to you, ask what they mean.
  • Do not be fooled by “fixed rates”. Most of the times it is followed by “subjected to change without prior notice”.
  • Ask about your payment date. Pay at least 7 days before the due date. Do not wait for your statement of account to arrive. There are great tendencies that the delivery gets delayed. You can ask your bank or you can check it online.
  • Take time to check your statements of account. Take note of each detail. If there are unwanted charges, you can immediately ask your bank about it.
  • Ask about annual fees. Some companies offer “no annual fees” for only a year. For the succeeding years, you have to pay out a certain amount for it.

To give your PPI reclaim the best possible chance of succeeding, give one of our friendly experts a call now on 0800 840 7292.

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Reclaim Credit Card Charges: A Step by Step Guide

Filed Under: Credit Card Charges by admin — Leave a comment
February 1, 2011

Nowadays there has been a widespread use of credit cards to payout loans, mortgages, or other purchases. However once a person is not able to pay their credits or goes overboard in their credit limit, charges apply. You can reclaim credit card charges as long as you are sure that you have been charged unfairly. Not only does this apply to unfair credit card charges. If you have been mis sold PPI then you could make a PPI reclaim and get all of the unfair payments you’ve made, back in your pocket. To start your PPI reclaim, give one of our experts a call now on FreePhone 0800 840 7292.

Here is a step by step guide on how to reclaim credit card charges.

  • Add up all your credit card charges within the last six years. If you have not kept track of your records, you can file a request to retrieve these files.
  • Have another “back-up” account. Some banks have the tendency to close your account after they have paid you with the amount you are asking for.
  • Write to your bank about these unfair credit card charges and ask your money back.
  • Wait for the credit card company’s response. You are lucky if you get a positive response and get your money back. Most of the times, they would disagree with you. When this happens, don’t be discouraged. Write back and be firm with your demand. They have 14 days to process your request.
  • If the bank still ignores your letter, you can write back stating that you will take matters into court or the Financial Ombudsman. Usually the bank would offer you partial or full settlement. If you are already contented with a partial settlement, at least you got some of your money back.

As long as you follow the steps above, then you will have no problem reclaiming your credit card charges. You just have to be patient and stand firm with your complaint. To give your PPI reclaim the best possible chance of succeeding, give one of our friendly experts a call now on 0800 840 7292.

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PPI Claims Could Earn You Back Thousands

Filed Under: PPI by admin — Leave a comment
February 1, 2011

When you are caught up with a lot of things, there are tendencies that small details slip your mind. Some of these are the monthly bills you have to pay out for your credit cards, mortgages, house expenses, and other miscellaneous stuff. An insurance policy was made available years ago to protect your investments in instances where you are not able to work due to illness or disability. Such insurance policy was PPI or your payment protection insurance.

The numbers of people who make PPI claims continues to increase since PPI did not do what it promised it would do. These claims are necessary to try to get back the losses that millions of consumers incurred for the past years. If you have been mis sold PPI then you could make a PPI reclaim and get all of the unfair payments you’ve made, back in your pocket. To start your PPI reclaim, give one of our experts a call now on FreePhone 0800 840 7292.

Due to this, the Financial Services Authority (FSA) conducted investigations regarding mis sold PPI and made rules regarding this matter. The banks should be responsible for all the mis sold PPI and settle all the PPI claims with proper monetary compensation. You could still get about £3000 for mis sold PPI however not all are fortunate enough to receive such. Others are still fighting to claim back what should have been theirs in the first place. To give your PPI reclaim the best possible chance of succeeding, give one of our friendly experts a call now on 0800 840 7292.

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Why You Should Get Your PPI Refund?

Filed Under: PPI by admin — Leave a comment
January 31, 2011

A lot of people are seeking PPI refunds for policies that may have been mis sold. Payment Protection Insurance, much known as PPI has been added to thousands of mortgages, credit cards and loans in some lenders in the UK. Your money has been taken away from you by your lenders, without you knowing about it. You have the right to get back what is yours, call our experts on 0800 840 7292 and we will help you in getting your PPI refunds in a short span of time.

There are many reasons why you should get your PPI refund. The most apparent is if you were pressured by your lenders in taking out PPI. There are also cases that lenders won’t approve your loan if you don’t sign for PPI. Other consumers have experienced signing a PPI policy without knowing the real cost that it would take them which are thousands of their pounds. Most of these consumers also assume that this PPI policy is included in the loan, but the expense of this, will be added up to your loan, which makes you pay for more every month. Lenders tend to deny any claims made against them, if you are having difficulty with your ppi refund, we can help you with that by calling us on 0800 840 7292 now.

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Need Help For Your PPI Refund?

Filed Under: PPI by admin — Leave a comment
January 31, 2011

Have you taken out loans such as mortgages, car loans or any other loans? It is most likely that your lender offer you Payment Protection Insurance or PPI which is more often mis sold by your sales representative, with that, PPI refunds are very important for you to get. Superlatively, these PPIs are supposed to help you make your loan payments when there are circumstances such as illness, emergencies, accidents that could possibly hinder you from paying. The problem is that these policies can be extremely expensive and unfair to most consumers. Are you eager to get your PPI refunds and be guided? You can call us on our hotline 0800 840 7292 now and our experts are ready to help you.

Many have attempted to get their PPI refund through writing letters to their bank owners or sending notions to higher courts but have failed to get what they want because of the wrong process that they did in reclaiming the refunds. We are very willing to help you if you want your PPI refund back to you in no jiffy. You can talk to our experts by calling 0800 840 7292 or by filling up the forms that are provided in our online website.

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PPI Refunds

PPI Claims



We know that you have a choice when it comes to making PPI claims, so why should you choose us?


  • • We’ll find all of your hidden PPI policies
  • • No Win No Fee, Guaranteed
  • • Our average customer has four mis sold PPI policies
  • • FOS accepted 9 out of 10 cases in late 2011
  • • Number of cases handled in 2011: 4,847
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