Were you mis-sold payment protection insurance?

were you mis-sold
payment protection insurance?
call us on 0845 287 0265 or text ASK to 66777

Were you mis-sold payment protection insurance
were you mis-sold payment protection insurance?
were you mis-sold payment protection insurance?

payment protection insurance claims

 


helping you help yourself!

Reclaim Your PPI ltd specialise in getting back our clients the money that they may be owed in Mis Sold Payment Protection Insurance. We pride ourselves on fighting the Banks & Lenders on your behalf. We work on a no win, no fee basis and provide a dedicated account manager that will be responsible for handling your cases. They will liaise with you every step of the way.

Don't Have Any Details – We Can Help

One of the biggest problems our clients encounter is no longer having the paper work or account details. This is where we can help!

We are able to approach every one of the leading Banks / Lenders and obtain this information on your behalf. Our service is to identify what finances you have had and whether these have had Payment Protection Insurance added to them.

We will then contact you to find out if you feel this was Mis Sold and confirm if you wish to proceed with a complaint.

DID YOU KNOW PPI WAS ALSO ADDED TO OVERDRAFTS – FILL IN THE ENQUIRY FORM AND WE CAN FIND OUT IF YOUR BANK ACCOUNT OVERDRAFT HAD PPI ATTACHED TO IT.

Speak to one of Reclaims Advisors now on 0845 287 0265 and they will assess if they you could be due your money back. Alternatively feel free to email info@reclaimyourppi.ltd.uk or download our Application Form and Terms & Conditions and return to the Freepost Address.

no win, no fee

We work on a No Win, No Fee basis. This means we are only paid if we are successful with your claim. If we don’t win, you don’t pay a penny. There are no hidden charges for our services.

Please see our Application Form and Terms & Conditions and Your Right To Cancel.

Reclaim Your PPI Ltd is regulated by the Claims Management Regulator in respect of regulated claims management activities, details available and recorded at www.gov.uk/moj/cmr Tel: 0333 2000110. Our registration number is CRM 23970. Reclaim Your PPI Ltd is a company registered in England and Wales No: 07234815

We are also registered with the Information Commissioners Office (ICO) for the handling of information covered by the Data Protection Act 1998 No: Z2224054.

what is PPI - Payment Protection Insurance?

If you have borrowed money on a loan, credit card or mortgage – you may have been sold or been forced to take out something that is called Payment Protection Insurance (PPI).  You may be owed thousands of pounds in compensation.  Payment Protection Insurance is designed to protect the borrowers’ ability to maintain their repayments in the event that they get sick, or unable to work through an accident or unemployment. 

If you have taken a loan, credit card or any other finance in the last 10 years with payment protection insurance, you could be eligible to claim all of this money back. In many cases, PPI is unnecessary, unsuitable and was mis sold as the policy can offer little or no benefit. Although this information should be obtained from you at the outset the lenders have tended to make a sale regardless of making sure the policy was suitable to yourself. This means when you come to make a claim, the insurance usually doesn’t cover your needs.

Of course insurance can prove very important  – the problem for people whom purchase PPI is that the policy can offer little or no benefit.  The exclusions lists and payment schedules are designed for maximum profits for the banks.  Although this information should be obtained from you at the outset the lenders have tended to make a sale regardless of making sure the policy was suitable to yourself. This means when you come to make a claim, the insurance usually doesn’t cover your needs. 

how do I know if i have been mis-sold a payment protection policy?


When you were sold the policy your advisor should have made sure the payment protection insurance was appropriate for your circumstances at the time the advice was given.

Please check below to see if any are applicable to you:

  1. You were told you had to take out PPI or you would not get the loan
  2. You were self employed or unemployed at the time of the loan
  3. You felt pressured into taking the PPI
  4. You paid off your loan early and never got a PPI refunded
  5. You were told with PPI you had a better chance of being accepted for the loan
  6. You were lead to believe that the PPI policy was compulsory
  7. You increased or topped up your loan and the PPI was added automatically

can i reclaim on any PPI policy?

Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA in January 2005. Any sales made before then are not covered by the latest rules.

However, it may still be worth complaining if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints.

If you took PPI after January 2005, your claim is subject to the latest rules.

Don’t forget that our no win, no fee. If we are unsuccessful with your claim you will not have anything to pay.

If you believe you are entitled to claim see our Application Form and Terms & Conditions, alternatively a reclaims advisor can be contacted on 0845 287 0265.

Alternatively, we understand that some of our client can be uncomfortable claiming over the internet. If so please call us and we will arrange for an application pack to be sent to you.