Latest Posts

Claim Back PPI from Liverpool Victoria (LV)

When you have had a loan, bank card or mortgage with Liverpool Victoria agreement in the past 25 years is very likely that you’ve been paying in to a ppi policy. It is a normal scenario that many loan companies and banks sell these policies or otherwise include them in credit agreements without making the borrowers aware of such.

Ppi policies are usually purchased by borrowers to help them settle their financial obligations if any circumstances happen that might hinder their ability to take action. The problem was unscrupulous banks and lenders started to sell PPI to the people that really didn’t need it.

 

Ppi policies are usually purchased by borrowers to help them settle their financial obligations if any circumstances happen that might hinder their ability to take action. The problem was unscrupulous banks and lenders started to sell PPI to the people that really didn’t need it.

We’ve found out that many banks are misleading their customers by offering ppi that they don’t even need. There is no doubt that you must claim your PPI, but how much time do you have?

People are generally provided 25 years to create a claim, but ideally, there shouldn’t be any time frame when you could show the bank your payment records and also original documents. The time frame commonly relies on how long the records are held by the banks and building societies, which often varies. Be confident though that we may still assist you with your claim even if the original documents are no longer with you.

Though they’re beneficial, we do not need to have borrowers to provide an account number or the original documents in claiming. Few people would be organised enough to keep up to 25 years of loan or credit card papers. Obviously, the number of your original loan policy is not the kind of information that you are able to very easily recall especially when several years have passed already. What is most critical is your full name, and also the address at the time the loan was agreed since most loan companies can track your records that way. Rest assured that we can help you on your claim even in the absence of the original papers.

Simply fill the form you find on this site for it will assist you file your claim. Not all lenders would validate a claim that’s settled by a customer 25 years immediately after the first transaction. Well, not all lending firms follow similar time limit in keeping the files of their previous clientele. Some have secured files going back in the 1990’s while others are quick to dispose of files as long as they are legally allowed to do so. Any files from your initial loan should be secured by the loaning party for six years as ordered by the law. Nonetheless, this is only the minimum number of years they’re required to hold the files of their clients.

We can talk about on how we could be of assistance in making a claim. To do that, you simply need to fill out the form in this post. Individuals who believe that they’re one of the countless victims of being tricked in purchasing their PPI should give consideration. We’re really eager to fix this issue on your behalf. As a matter of fact, we’re proud that we were able to aid thousands of people in their claim. This is the right moment to return what exactly belongs to you.

We’ve got a professional team of professionals who’re always prepared to attend to your needs. To make a claim, all we need is the name of the loan company, your address during the time of taking out a loan , and what kind of policy you had. We won’t request you to present the original documents.

 

 

READ MORE +

Claim Back PPI from Yes Car Credit

Payment protection insurance policies are used by a lot of customers in credit card loans or mortgages with Yes Car Credit agreements for the past Twenty five years. These policies are sometimes included to loan agreements executed by banks and loaning companies without prior notice, forcing the debtors to pay for the policy.

 

Individuals who met a mishap, lost work, or turned unwell are definitely not capable of paying out their loans any longer. But nonetheless, these individuals could pay back their loans with the help of PPI. Though the PPI policy is fairly helpful, nonetheless it doesn’t imply it’s needed by everyone. The issue is; there are finance companies and banks who are taking advantage of unsuspecting customers.

The payment protection insurance has been sold by banks even to those customers who don’t need it. However, this treacherous act has been present for years already. You may state that this is as good as stealing someone else’s funds. That’s the key reason why it’s vital to know the full extent of your Payment protection insurance claim.

Most certainly, to make things clear, there shouldn’t be a particular time limit if you have secured your original papers and transaction records. More often than not, some financial institutions offer twenty five years time limit; however all financial institutions do not have the same condition. It’s also based on any existing records that the financial institution has secured through the years. Most certainly, we guarantee you that we could give you a hand in claiming what’s truly yours even in the absence of the original documents.

We don’t require you to have your original records or maybe account number to give when making a claim, it would be beneficial but it’s not essential. Right after twenty five years, it is possible that you already neglected where you put some papers including those for your credit card and loans. The possibilities of you recalling the original loan policy number also are pretty remote. The name of the lender, and address during the time the loan was agreed are rather essential since this is precisely how most lenders can find your details. Don’t worry should you lost your original documents as you can still make a claim by way of our assistance.

We have a form available in this site to fill up if you’d want us to assist you in making a claim. Some loan companies would honor a claim that is made by a client twenty five years after, however there are those who wouldn’t. The reason behind this can be that every lender has its own set of distinct protocols in keeping client’s data. Many have secured records going back in the 1990’s while others are quick to dump data files as long as they are legally allowed to do so. The law states that the client’s documents ought to be only kept by lending providers for 6 years. Nonetheless, this is only the minimum years they are necessary to store the data files of their clients.

You could rely on us if you think that you’ve mis-sold PPI. We were able to help many people with their own claim; hence, they are now making the most of things that they should have. You are able to locate a form on this page which you can complete to learn the data concerning the ways in claiming it.

If you opt to work together with us in making a claim, you don’t have to provide us with any original papers relating to your dealings. All that we need are some valuable data to make claims. We only require your complete name, the policy that you received, and your address when the transaction was done. To find out more details, approach our competent personnel on stand-by .

 

 

READ MORE +

Claim Back PPI from Natwest

Ppi policies are used by many consumers in credit card loans or mortgages with Natwest agreements for the past 25 years. Several finance companies and banks however, are mis-selling the policy to debtors, making them pay for something that they didn’t agree with.

As such, these uneven lenders and banks are marketing Payment Protection Policy (PPI) to people who don’t need it at all. Basically, payment protection policies are used by a lot of borrowers to permit borrowers to continue paying the money they owe in event that they couldn’t, just like being out of work, accidents, or falling into sickness.

The ppi has been sold by banks even to those customers who don’t require it. This shoddy operation also fooled hundreds of people for several years today. You may state that this is the same as stealing someone else’s cash. So, it’s regarded very important that you are aware of just how to claim your own Payment protection insurance.

There shouldn’t be a specific time limit; this is when you still have with you your transaction documents and original documents. Nonetheless, base on our experience, 25 years is the typical time limit financial institution offers, although all financial institutions have various cut-off dates. Moreover, the number of years they have kept your personal information is also a consideration. Most certainly, we assure you that we could lend you a hand in claiming what’s truly yours even in the absence of the original paperwork.

We ensure to help you with your claim even if you can’t show the first papers or perhaps account number. We assure that we could certainly have the claim even in the absence of your original files. Not all folks could keep their loan files as well as transaction in the past 25 years. The good side of it is that merely by asking your own name along with the address that you utilized the time the loan was agreed, almost all lenders may already get all your information.

Simply fill up the form you see on this site for it will assist you file your own claim. A few lenders would honor a claim that is made by a client 25 years after, nevertheless there are those who wouldn’t. The real reason for this can be that every lender has its own set of distinct protocols in keeping client’s data. There are people who keep data as old as the ‘90s, however, many might not find holding that much documents possible. Any files from your first mortgage must be kept by the loaning party for 6 years as ordered by the law. Six years however is only the minimum time, and it could be extended further based on the lending company’s choice.

There’s no need for you to be troubled if you feel that you unconsciously obtained a Payment protection insurance because we could assist you with this sort of matter. We are proud to say that with regards to having a claim, you’ll find numerous clients we’ve assisted. If you’d choose to work with us in having a claim, kindly fill up the form that we given in this site.

Getting our own services is much more hassle-free for the fact that it won’t be essential for you to pass the original records and records. All that we require are a few useful details to make claims. These pieces of information that you should give are your name, the type of loan policy, as well as the address that you used when filing the loan. If you have any queries, don’t hesitate to approach our dedicated staff.

 

 

READ MORE +

Can I Claim Back PPI If I Have Already Used It?

Can I claim back ppi if I’ve used it I hear you cry, the simple answer is yes you can. The 
act of mis-selling PPI is not whether you have claimed or not it is about the lender 
following the correct sales process when the PPI policy was sold. If they didn’t whether the 
PPI claim was successful or not doesn’t matter. However, if you did have a claim any 
settlement would be minus the amount they have already paid you. For our clients we base 
any success fee on the amount you get minus the previous claim which is the fairest way to 
structure our fees for you.

It’s now apparent to us that many borrowers are scammed by banking companies in which payment protection insurance policies are confidentially extra to their own first contract. It’s somehow grim to know that this has been happening for years. Nonetheless, how can you get back your PPI claim considering the number of years you’ve been fooled by the bank authority.

Claims might be obtainable within 25 years. As a result, the time frame provided by banks and also building societies are different from one another. Additionally, this will be based on precisely how long they’ve held your details. The truth is, these deadlines shouldn’t exist at all. You can claim without any certain time frame as long as you have an original contract records and also papers. Nevertheless, it’s needless to have your original papers with you to create a claim. Leave the particular claim to us, for we know specifically what to do.

In the span of 25 years, a lot of things have took place, and changes made. You might lose some of your papers concerning your bank card and loans in that period of time. Not everybody can remember all the information of their original transactions after two decades or maybe more. Your complete name and home address when you acquired the loan will be recorded by lending firms; in which they normally use such details to effortlessly locate your documents at the same time. The great news is; we could help in making a claim even if you don’t have the original documents with you. While it’s advantageous to get these records, it’s not important in claiming. That’s why we don’t require you to provide the original account number or paperwork.

The law calls for all banking institutions that records should only be kept for six years once the first loan is completed. Additionally, loaning businesses and financial companies ought to keep clients’ files for at least 6 years. On the other hand, many loan companies have files of their old customers; even those who have engaged with them way back 1990’s. Because of the fact that there are many ways in keeping customers’ information, a number of businesses permit a claim for 25 years unlike others. Hence, if you’re interested in making a claim simply fill in the required details in the form provided on this site.

In case you are considering that there is a chance that you’ve skipped selling your PPI, then you can trust our help. We were able to help lots of people with their own claim; thus, they are now relishing things that they should have. If you’re interested in claiming, then fill out the form given on this page to discover additional information.

We have a professional team of professionals who are always prepared to attend to your needs. You could make a claim by giving us the lender’s name, your address when the loan was made, and also the policy you had. The original copy of records is no longer necessary.

 

 

READ MORE +

I have been told PPI cannot be claimed after 6 years, is this true?

If you have been told PPI cannot be claimed after 6 years or a certain lender cannot be 
looked into for whatever reason. Sadly whoever told you is just wrong. PPI policies can be 
checked as far back as you like. The only problem arises is that some firms have 
destroyed certain bits of paperwork, but because the lenders are all different even those 
that have said they have no records miraculously find the information when pushed. Our 
earliest success is for a facility in 1982 and even when submitting a complaint into the 
ombudsman we have been successful with a case from 1987. Regardless of age get the 
facility checked out we don’t charge if we don’t find and get back. 

It’s a proven fact that debtors were scammed by financial institutions by letting them pay money for protection insurance policies for several years without even knowing about it. But simply how long can back you claim PPI?

Essentially, there shouldn’t be any time period particularly if you could present all of your payment records and original papers, but most financial institutions will just give you 25 years to make a claim. Banks and lending companies could set their very own time period, that they based primarily on the length of time they keep the records of their own clients. We are nonetheless capable to help in making a claim even if you do not have the original documents.

Our clients are no longer needed to give us their original account number and paperwork simply because while having them is beneficial, it is still achievable to make a claim without these files. We know that not all people are able to keep financial loan or credit card files for a max of 25 years. It’s very unlikely that you still memorize your original loan policy number after a long period. The name of the loan company, and street address in the period the loan was agreed are rather essential since this is precisely how many lenders are able to find your information. Don’t fret when you lost your original documents simply because you could still claim through our help.

Law requires all banks which records must only be stored for six years once the initial loan is finished. Any lender or company is needed to keep their client’s details on file for at least six years. Unsurprisingly, some lenders have still been trying to keep private profiles as old as the 90s. If that’s the case, a claim for 25 years from a certain company won’t perhaps be done from another firm because of the different methods as well as time keeping of documents of lenders. Nonetheless, those who need to file a claim are necessary to fill in the form available on this page.

Have you been acquiring Payment protection insurance without even knowing it in the first place? When you said yes, then we can assist you. We already extended our services to numerous clients in getting back what’s theirs. It’s about time for you to take back precisely what you spent too. With this, kindly fill the form here so that we’ll find out precisely how we can help you.

For your questions as well as clarifications, our trustworthy team can present you the solutions. We just need the name of the loan provider, the address you put in to complete the loan form, and the policies that you’re entitled with. We’ll gladly present our help in creating your claim, and you no longer have to present us with any of the original files.

 

READ MORE +

I think I had PPI but don’t know, how do I check?

If you wonder ‘I think I had PPI but don’t know, how do I check?’ then you are like most of 
our clients who just don’t know.  Its not your fault that you don’t know, anyone with 
borrowing information should take care as to how long they keep it, so how were you to 
know you would need it because the bank was conning you. Most of our clients just let us 
know all of the facilities they had (not necessarily with paperwork or account numbers) and 
we contact them to find out. If there is none, you know and there is no fee. If there is then 
we look at getting this back for you. 

We’ve learned that a lot of lenders are misleading their clients by offering payment protection insurance that they don’t even need. No doubt that you should claim your own Payment protection insurance, but how much time do you have?

There shouldn’t be a specific time limit; this is when you have along with you your payment records as well as original files. We frequently see banking companies setting their time period limit to 25 years, however they have the authority to established their own time limit and it differs from one another. It is also based on any existing records that the financial institution has kept through the years. Well, we guarantee you that we are able to lend you a hand in claiming what’s truly yours even in the absence of the original forms.

Though they are useful, we do not need borrowers to present an account number or the original documents in claiming. Few people will be organized enough to keep up to 25 years of loan or bank card papers. Additionally, it’s also difficult that you still remember your original loan policy number. The name of the loan company, as well as address during the time the loan was agreed are rather crucial since this is how most lenders are able to find your information. It doesn’t matter if you already lost the original paperwork considering we are able to ensure you that with our help, you’ll be able to claim.

The law claims that financial institutions should only hold the documents for 6 years after the completion date of the first loan. Needless to say, a minimum of 6 years is the duration when all clients’ records are held. On the other hand, a number of loan companies have still held their client documents for more than a decade. It is also correct that various loan companies have varying methods in keeping borrowers’ information. Thus, the claim for 25 years in one firm is not the same to other firms. Certainly, firms have various groups of policies. Even so, you could fill the form here if you like to help make your own claim.

If you feel you’re one of the numerous those who have been mis-sold with PPI policies, then we’ll do our very best in assisting you claim what’s yours. We are very proud to state that in terms of having a claim, there are a number of customers that we have helped. For you to begin in obtaining exactly what is best for you, you can fill up the form here for more information.

We have a dedicated team of experts who are always willing to deal with your own needs. You can make a claim by providing us the lender’s name, your address when the loan was made, and also the policy you have. We won’t ask you to provide the original documents.

 

 

READ MORE +

Will I be charged by a firm if they find I have no PPI?

Will you be charged by a firm if they find you have no PPI? No you should have no charge 
for this. The majority of customers who have had PPI do not know if they have it. We 
always get clients to detail all firms they want us to look at whether they know if they have 
had PPI or not. If they don’t have PPI at least our client knows and more importantly there 
is no charge. So why would we do this, well we believe every customer has a right to 
enquire about whether PPI was applied and due to our experience we find that most who 
didn’t know if PPI was applied or not did have it.

We’re able to show how fraudulent some banking companies and lending companies are; these institutions include in their credit policy something known as ppi. And what’s worse is that this has been occurring for several years. Then again, you can still claim PPI from the financial institution that offered it to you in the first place; which depends upon the extent of time that you were shelling out the policy.

Usually, individuals could claim up to twenty five years; this is should they have all the original records of payments along with documents. The duration where banking companies and building societies hold and keep your information is also a major thing to consider. But with us, we will be there to help you in making a claim even an original work is not given.

Although giving the authentic paperwork and/or account number in making a claim is useful, we really don’t demand them. Arranging a 25-year loan or credit card papers can just be performed by some people. And it’s fairly impossible also to remember the authentic loan policy number. Commonly, loan companies will require particulars like your own name and also address when your own loan was given in order to find you. Thus, we could represent you in creating a claim without showing the first papers to them.

Once the preliminary loan is done, the records must be kept by the finance institutions for six years as required legally. On the other hand, they are no longer required to keep the records on file soon after obligatory six-year record keeping. Other loan companies still have files of their own customers going back in the 1990’s. The approaches and also duration of record keeping that are utilized by one lender aren’t really the same in comparison to just what some other loan companies are using. This is the reason precisely why a number of companies have a shorter time frame while others provide their clients around 25 years to create a claim. If you would wish to have a claim, complete the form here.

If you are confused about whether you’ve been mis-sold Payment protection insurance we have been here to help you. We’ve helped countless customers to claim back what is rightfully theirs. If you’re interested in claiming, then complete the form offered on this page to learn more information.

Simply because of our small dedicated group, you are assured to get useful answers to any of your queries. We have to figure out the name of the loan company, your address the time the loan was given, and also the kind of policy you had for us to start assisting you in claiming. The original copy of records is not essential.

 

 

READ MORE +

How To Claim PPI

What is PPi?

claimppiPPI or Payment Protection Insurance is a protection cover that has been until recently sold by lenders to cover borrowing taking by consumers and in some cases small businesses. The facilities that it covers are wide ranging as it would have been applied to all types of loan: from personal loans through car finance, HP to Mortgages or loans secured on a consumers property. The premiums for these larger facilities were in the most part taken upfront and added to the borrowing where you guessed it further interest would have accrued. In some cases the PPI would have been taken monthly.

The other facilities PPI would have been applied to were those where a fixed initial sum was not taken but instead a facility to borrow up to was made available by way of a credit limit. Credit Cards and store cards made up most of these facilities where almost all premiums were added monthly.

 

How Many People Were Sold PPI?

This is a difficult figure to pin point as the number of people is largely irrelevant. The reason for this is that a single person could have PPI applied to all of their borrowing facilities so they could have easily 5 or 6 policies on their various accounts over time. On many occasions this figure is well into double figures when all the loans, credit cards etc are taken into account. As an example we had a client with 52 individual policies so this gives some idea of the scale of the misselling.

However, most industry specialists believe there are in excess of 20 million individuals who have been missold PPI since 2001 with this number then multiplied by an average of policies per person so a figure of over 50 million missold policies is certainly a conservative guestimate. This doesn’t take into account people and policies missold before 2001.

One figure we do know and that is at least 3 to 6 million people and their raft of policies still remain untouched from 2001 and there ready to be redressed.

 

howdoiclimabackmyppiHow Much Money are we talking about?

PPI refunds can vary dramatically. Ultimately the amount of refund depends on the amount you have paid for a policy. This figure is then taken and interest is added to the present day from the start of the premium and final compensation interest is then also added. Because the lenders pay interest at the prevailing account interest rate the refunds if a number of years old can increase in size dramatically.

This is particularly true of credit cards where as an example a client paid approximately £3000 from 2003 on their card but the interest increased the refund to over £18000. However, some clients have only paid a few pounds in premiums so a refund can run into only a couple of hundred. We would all like to see a huge refund, who wouldn’t but what is most important is the refund. Whether a few hundred pounds or 10’s of thousands, that money is better in your pocket than the banks or lenders. The largest single refund to date was over £45,000 and the largest refunds to one client over all of their facilities was over £100,000!

 

How do I know if I have had PPI?

To be honest not many people do that is why PPI was missold it was very cloak and dagger. Most of the premiums were added without people knowing. For me it does not matter whether you know you have had PPI or not. The most important thing is to check out all of your borrowing facilities regardless of whether you have details or how far back it is. We do this for all of our clients and on occasions all of their facilities come back as having no PPI. For this they pay nothing but at least they know. So they can ignore those stupid texts or calls about making claims.

However, I did say on occasions as the vast majority of our clients have some PPI applied even if they swear blind that none was on facilities.

 

How Far back Can I Claim?

Most banks would have you believe as would so called experts that you can only claim up to 6 years. Absolute rubbish, It does not matter who the lender is, whether they are still in business or when the facility was taken we can look into the complaint and obtain a refund if PPI was applied and missold.

Yes the further back the borrowing the more difficult or time consuming the complaint will take, don’t forget that we work for nothing unless we can secure a refund so my saying let us check it must mean that we do succeed. Yes not on every occasion but on the majority we are successful at establishing if there is PPI and if there is in obtaining a refund.

Our oldest successful claim was 1982 and our oldest claim we have been successful in pursuing through the ombudsman was 1988. These are just examples and the 80’s refunds are few but it gives you an example that it is worth just us looking.

 

What If I have No Paperwork?

Who has paperwork for facilities that were closed a few years ago, practically no one. The reason is most people keep paperwork to refer to when the facility is open, when it is closed off it goes to the waste basket in the sky. Why would anyone keep paperwork in case some years later it is found that the lender missold a product on it!

The vast majority of our clients do not have paperwork or account numbers, don’t get me wrong if you do great. If you don’t we can find out the information we need from your name and address. All we need to get the ball rolling is the name of the lenders you would like us to look into and the address or addresses they may have on record for you at that time.

READ MORE +