Claim Back PPI

PPIClaims.org.uk - the UK's Premier PPI Claims Company

PPIClaims.org.uk is one of the top mis-sold Payment Protection Insurance or PPI claims company in the United Kingdom. We are a premier claims company because our staff members are experts in the field. Their knowledge, experience and expertise are the reason we have successfully aided over 150,000 people recover a total of over £78 million in refunds in mis-sold PPI claims and unfair bank charge claims throughout the United Kingdom.

What Is Payment Protection Insurance?

PPI is a cover purchased to protect the loan- or credit-receiver's loan or credit instalment when not holding a position of employment. PPI covers are often purchased when requesting mortgages, car loans, personal loans, credit cards or even store cards - virtually any established credit line. PPI cover does not grant protection if you voluntarily leave your job, however: Coverage protects against non-working status periods due to most conditions beyond your control. Usually, PPI claims are accepted within one year of the 'event' date.

Who sells PPI?

Banks, loan companies, finance companies, credit card providers and retail stores sell PPI. However, covers can also be purchased from insurance brokers and other agents after obtaining financing, which is one important point that many consumers do not know - and of which they are never informed as they should be.

Must you utilize a PPI claims company?

To be fair and honest, you don't have to hire PPIClaims.org.uk or any other PPI claim organisation. The law does allow you to file your own claim for mis-sold PPI.

However, because of our expertise, our reputation and our success rate, many consumers do choose PPIClaims.org.uk to streamline claims management and tracking and to accelerate the claims processing toward a faster resolution.

As you consider your choices, remember the 'smart' theory: Smart thinking is hiring the best to do your hard work smartly for you. And that's precisely what PPIClaims.org.uk does for you: We work for you, not above you.

Just as it is a wise decision to seek legal advice and representation in certain circumstances, hiring our PPI claims specialists give you an edge you probably wouldn't otherwise have.

When do you make PPI payments?

PPI is usually paid in the total amount remitted on a loan or a credit instalment bill. However, an up-front, full-payment PPI is also common: You pay the entire premium amount up front and avoid extended instalment interest rates. Whether you pay the PPI Single Premium separately, or that total amount is added to your financed amount, Single Premium PPI can be very expensive, especially so if included in the interest-bearing loan amount.

If combined with the loan amount, and you wish to cancel the policy, you are often told that it cannot be cancelled without recalculating the loan - refinancing it, in other words. Some institutions charge a hefty refinance fee for this arrangement.

Can you make a claim for a mis-sold PPI refund?

The Financial Services Authority (FSA) uncovered literally millions of cases of mis-sold PPI. You might be one of those cases who are owed thousands of pounds and not even know it. There is a deadline to file, so don't just think about it and wonder: Think smart and apply online today and get PPIClaims.org.uk's expert staff working for you in moments.

If you have obtained credit in some fashion or a loan during the last ten years, the odds are good already that you might have a valid mis-sold PPI claim. Up to 90 percent of every consumer in the United Kingdom has obtained a store card, a car loan, a home loan or a credit card during the last decade. Because of inadequate training, unfair bank and financial institution practices, pushy sales staff and other causes, the vast majority of all those people may qualify for a mis-sold PPI claim.

The FSA discovered the number one reason for mis-sold PPIs was that the consumer was not fully informed of the presence or the qualifications for a PPI cover. Many more were virtually coerced into purchasing the plan - both of which were illegal, unethical or grossly unfair practices.

To determine if you did purchase a PPI with or without your knowledge, read the conditions and terms of the agreement if not noted on monthly bills. Remember: Mis-sold PPI claims aren't just on active or open credit lines and loans. You might have a claim on an older, closed loan or a credit card that you never use any longer.

If still in doubt, contact the lender or credit issuer.

The FSA determine that qualifying standards are not "in total," but singular. If any of the following conditions existed when you deliberately or accidentally purchased the PPI cover, you may qualify for a mis-sold PPI claim:

You didn't ask for the PPI, and it was added regardless.

No one told you that coverage was optional or that you might purchase a cheaper cover elsewhere.

If you purchased a Single Premium policy, you should get a refund with policy cancellation.

You were self-employed, unemployed, a student or retired at the time of PPI cover purchase, and no one asked or said it didn't matter.

The PPI cover was unsuitable because you were not able to work due to a medical condition or illness.

You were of or beyond the PPI cover's maximum age limit at the time of purchase; usually, that limit was 65 or 70 years old.

If you purchased a PPI to cover a long-term loan, and no one explained the PPI cover would expire before the loan did.

No one fully explained the policy coverage exclusions or screened your qualification for coverage, or no one explained how to cancel the PPI cover.

You were told that you must purchase PPI to gain financing or that it must be purchased from the lender to gain more favourable interest rates.

You already had acceptable insurance through alternate sources, and no one asked, or you were told the alternate insurance didn't matter.

If any of these conditions - not all but any - apply or if any might apply, don't hesitate: Apply online today or call one of our helpful experts at 0800 542 5646, and we will assess your claim qualification with you.

Making A Claim Back PPI

If you qualify or if you think you were mis-sold PPI cover, PPIClaims.org.uk can help you reclaim your hard-earned money. The average claim in the United Kingdom is £3000, so don't miss out! Once you complete the online application, we start working hard and working smart for you - not the finance company.

If you have any questions regarding mis-sold PPI cover, or if you want more information, dial now. Our specialists are ready to handle your inquiry at 0800 542 5646.