Latest Posts

Can I Claim Back PPI If I Have Made a Claim

If you have claimed for PPI you can still apply for a refund of premiums and interest as the 
misspelling is not due to whether a claim could be made or not it is due to whether you 
were sold the policy in the correct way. If not we can look at recovering all of the premiums 
and interest for you. This would be minus and amount you had previously been paid out. In 
which case our fee would be based on the net figure which would be mius any payment you 
had received from a previous claim. So if the refund was to be £2000 and you previous 
claim was £1000, as the refund would be £1000 our fee would be based on this. 

We discovered that there are many banks and lending companies that are fraudulent in a manner that they involve PPI in the credit policy. It’s somehow grim to realize that this has been happening for years. However, you’ve got the right to claim PPI based on how long you’ve been shelling out the financial institution for such policy.

So long as the debtor still has the original copy of files as well as payment records, most likely, they can claim it within a maximum of twenty five years. The time limit that you have is based on the private information which banks have saved, and not removed yet in their data files during the period of time. Even now, even without the original documents, we surely can still assist you in obtaining what exactly you deserve.

Nobody can simply keep an eye on almost everything over the course of twenty five years. A time that long is more than enough for your papers and records to be lost. For over 2 decades, not all individuals can possibly remember the precise information concerning their loan policy transactions. Besides your own name, lenders will often include the home address you given during the time the loan was agreed as one of the basis in finding your details. The great news is; we can help you make a claim even if you don’t have the original documents with you. It’s real that it’s quicker to have results if you’ve got the supporting files, but they are not essential for filing claims. That is why specific numerical information as well as other documents are not needed.

It is needed by law that after the end of the preliminary loan, records of the borrower ought to be held by the financial institution for six years. The minimum number of years required for any financial or business in keeping the details of their customers on file is six years. In many instances lenders will have files going back well into the 1990’s. While some companies provide their borrowers 25 years to have a claim, you’ll find people who provide a shorter time limit, and this is simply because the strategies and durations of record keeping which lenders are imposing differ from one another. There’s a form on this page that you can fill out if you are planning to create a claim.

We’re here to give some help to all those who have to file a claim. To get going, fill in the form on this site. If you are suspecting that you’ve been selling PPI mistakenly, then trust us because we are here to aid. Well, we can give you the assistance that you’ll need in this thing. In fact, we are proud that we were able to help many people in their own claim. Now, it is your time to get the money that is rightfully yours.

Remember that you no longer need to present the original paperwork should you opt to get our professional services. All that we require are some valuable information in order to make a claim. These include your name, what type of policy you had, and what exactly was your address throughout the time the loan was granted. To know more on how we can give our help, we’ve got a group on standby and willing to answer any of your inquiries.

 

 

READ MORE +

Claim Back PPI from RBS

The majority of banks and companies that provide loan and also lending have secret agreements and policies which they do not expose to the individuals borrowing money from them. Commonly, this tricky agreement is generally carried out when a particular person applies for a loan, credit card or even mortgage with RBS agreement which lasts for 25 years.

 

There are situations that individuals cannot pay their loan. With PPI however, you will still be able to pay off the financial loan even when you are in a scenario that prevents you from working . Though a ppi is advantageous; not all people require to own one. Unfortunately, a few banking companies and finance companies are giving this policy to their clients without letting them know ahead of time.

Through mistakenly selling PPI, banking companies and other monetary companies have long fooled their unsuspecting clients. However, can PPI be claimed? Just how can it be done and what is it’s time period?

So long as the debtor still has the original copy of papers as well as payment records, probably, they can claim it in just a maximum of 25 years. The time limit that you have is based on the personal information which banking companies have kept, and not removed yet in their files over the course of time. Even without your original files, opt for us as we are able to surely help you along with your claim.

In the span of twenty five years, a lot of things have occurred, as well as changes made. Considering that years, it’s not a surprise any longer that you cannot remember where your files are placed. Not everyone can remember all the details of their original dealings after 20 years or more. Most likely, the loan providers can search up your document with the name as well as home address you have used during the time you’ve made the transaction with them. Thankfully, we are able to help you in settling a claim although you may no longer have original documents. Though the papers are significant in claiming, it’s not a big deal. Therefore, you don’t need to worry yourself remembering the original account number also.

It’s a prerequisite for the financial institutions to help keep the documents for six years as soon as the initial loan is finished based on rules. In other words, the client’s particulars should only be kept for a minimum of 6 years. On the other hand, a few loan providers fail to stick to the record keeping time period because they have still it on file for more than 10 years. Additionally, various approaches and period of time in keeping documents are used by different loan providers around. Therefore, one firm may permit you to around 25 years, and others may not. This is because companies follow different regulations. On the other hand, those who want to make a claim are required to fill up the form which is seen on this page.

We are here to give outside assistance to all those who need to make a claim. Kindly fill up the form in this page in order for this job to be done. People who believe that they are one of the countless victims of being deceived in purchasing their PPI ought to give consideration. Well, we could provide you the assistance that you need in this matter. The truth is, there are many people who were able to claim properly though our assistance. This is an excellent chance for you to claim what’s yours after all.

We’ve got a dedicated team of professionals who’re always prepared to deal with your own needs. To claim, all we require is the name of the lender, your home address during the time of taking out a loan , and what kind of policy you had. We do not need the original records.

 

 

READ MORE +

Claim Back PPI from Lloyds TSB

Payment protection insurance policies are used by a lot of customers in debit card loans or even mortgages with Lloyds TSB agreements for the last 25 years. It is a normal situation that many loan providers and banks sell these policies or otherwise include them in credit agreements without making the borrowers aware of such.

 

Some individuals who might never require this kind of policy, obtain offers from banks and firms to purchase their own Payment Protection Policy (PPI). For individuals who are a novice to lending, take into account that payment protection policies are the same as payment assistance in cases you get sick, lose work, or even meet an incident.

The payment protection insurance has been sold by banking institutions even to those clients that don’t want it. It’s saddening to find out that many clients have fall victims in this tricky agreement for quite some time. You can say that this is as good as stealing somebody else’s money. With that in mind, you need to learn how much time you should claim your Payment protection insurance.

There’s no certain time limit given when you can show a complete original documentation and records of payments, however debtors are given 25 years tops. Additionally, bear in mind that it also depends about how long banking companies and building societies have kept your significant information. Even lacking with your original files, opt for us as we are able to definitely help you out with your claim.

There are plenty of things that might happen in 25 years. Given that number of years, it’s not a surprise anymore that you can’t remember exactly where your own files are positioned. Not everyone can recall all the details of their original transactions after two decades or maybe more. Most likely, the lenders could search up your own document with the complete name and home address you’ve used throughout the time you’ve made the transaction with them. The great news is; we are able to help in making a claim even though you don’t have original paperwork along with you. Although the papers are important in claiming, it’s not a big deal. Therefore, you don’t need to worry yourself recalling the original account number also.

Just complete the form you see on this page for it will help you file your own claim. You may find that a few loaning businesses won’t honor your own request for a claim after 25 years. It’s mainly because record storage policies are different on each loan company. A few documents are kept for many years because their first financial transaction, but there are those who reduce information when they’ve accomplished their time limit. After the completion date of the initial loan, the loan provider is legally bound to keep the files for 6 years. Nonetheless, the 6 years period may even take more time because businesses have the rights to do so according to the situation.

We’re here to extend a helping hand to all those who need to make a claim. Kindly fill up the form in this page for this job to be done. If you’re suspecting that you’ve been selling PPI mistakenly, then rely on us once we are here to help. We’re really willing to fix this issue on your behalf. We’ve helped numerous people to successfully get back what exactly they invested on these policies. This is the ideal moment to return what exactly belongs to you.

Whatever your inquiries and issues could be, our competent staff could be able to address them. To make a claim, all we need is the name of the lender, your home address at the time of taking out a loan , and what type of policy you had. We don’t require the original paperwork.

 

 

READ MORE +

Claim Back PPI from Liverpool Victoria (LV)

When in economic crisis, where most people go to are banking institutions. Among the banks that people go to whenever they need to get a loan, mortgage loan, or charge card is Liverpool Victoria. Those who have engaged themselves in bank agreements for about twenty five years are very likely to get compensated a PPI policy. But one drawback is that a lot of banks and loan companies incorporate such credit agreements in the absence of the borrowers’ permission. There are banks that are simply sugarcoating details for them to trick their clients in having this insurance policy.

A number of loan banks and businesses give Payment Protection Policy (PPI) to their borrowers behind the fact that it is not definitely necessary. For starters, payment protection policies are just like payment assistance for loans when the debtor will become sick, lost employment or associated in an accident.

 

A number of loan banks and businesses give Payment Protection Policy (PPI) to their borrowers behind the fact that it is not definitely necessary. For starters, payment protection policies are just like payment assistance for loans when the debtor will become sick, lost employment or associated in an accident.

We found that there are lots of banks and lending firms that are fake in a way that they include payment protection insurance in the credit policy. It’s somehow grim to know that this has been happening for a long time. However, you could still claim PPI from the financial institution that offered it to you in the first place; which depends on the extent of time that you were shelling out the insurance policy.

As a matter of fact, as long as you have kept your original papers and transaction documents, then there should be no specific time limit. On the other hand, base on our own experience, twenty five years is the typical time limit financial institution offers, though all financial institutions have various cut-off dates. Additionally, the number of years they’ve secured your personal data is also a consideration. Rest assured; we could assist you even though you didn’t have any of the original paperwork to get back what precisely you deserve.

It doesn’t matter in case you lost your own original records or lost your own account number for we can still assist you considerably. We could still acquire the claim with no original records. More often than not, a number of people will certainly forgot regarding the authentic loan policy number, or even keep all of the loan or credit card documents they’ve got in the past 25 years. What’s very good is that almost all loan providers can trace all of your info simply by making use of your own name as well as the address that you’ve the time the loan was arranged.

It is the law’s prerequisite that all monetary companies should keep record of their borrowers’ data for 6 years right after the first loan is finished. Furthermore, lending businesses and financial companies should keep clients’ documents for about 6 years. Unsurprisingly, several banking institutions have still been keeping private profiles as old as the 90s. If that’s the case, a claim for twenty five years from a particular firm won’t probably be done from another firm due to the different ways and time keeping of documents of banking institutions. However, all you have to do to file a claim is first; you just need to complete the data required on the form posted on this site.

Misselling your Payment protection insurance shouldn’t fret you because we are here to give you guidance. We were able to assist countless people with their claim; hence, they are now relishing things that they are worthy of. If you’d like much more info on how you could claim, please fill in the form on this page.

Obtaining our services is more hassle-free for the fact that it won’t be essential for you to pass the original records and documents. We simply require you to respond to some basic queries for us to be informed. These include your name, what kind of policy you had, and what precisely was your address throughout the time the loan was given. For further queries, feel free to ask our friendly and also experienced employees.

 

 

READ MORE +

Claim Back PPI from Yes Car Credit

In times of financial crisis, where a lot of people head to are banking institutions. It is at Yes Car Credit that most people are getting financial loans, credit card or mortgage. Like many clients who entered  in this type of agreements with them during the last twenty five years, it’s probably that you already availed their payment protection insurance policy. With that,  there are loan companies which include PPI to the credit contracts  of their borrowers  who don’t have any idea. There are banking companies that are simply sugarcoating data to deceive their clients in having this policy.

 

Loan payment will not be possible when the individual is in the middle of fighting a certain ailment, experienced a mishap or even became jobless. But nevertheless, these folks could repay their financial loans with the assistance of PPI. Though the payment protection insurance policy is fairly beneficial, but it doesn’t imply it is required by everybody. Regrettably, a few banking companies and finance companies are providing this policy to their clients without informing them beforehand.

By way of incorrectly selling PPI, banking companies and also other monetary companies have long deceived their unsuspecting clients. Is there any ways of claiming Payment protection insurance? If yes, what are the root procedures?

People are usually presented 25 years to have a claim, but ideally, tthere shouldn’t be time period in case you can present the bank your own payment records and original papers. The policies imposed simply by banking institutions and lending institutions on just how long they hold the documents of their clients commonly vary, which is also utilized as basis for the time frame which they fixed for the PPI claims. But even with the absence of your original supporting papers, you can still make a claim with our assistance.

Although they are beneficial, we don’t need borrowers to provide an account number or the original documents in making a claim. We all know that it is somehow not possible for people to keep all their credit cards or loan documents for about twenty five years. Clearly, the number of your original loan policy isn’t the type of data that you are able to effortlessly recall especially when a number of years have passed already. The name of the loan provider, and also address in the period the loan was agreed are rather important as this is how many lenders are able to find your information. We are able to make a claim on your behalf without the need of the original documents.

Within 6 years from the moment the initial loan is given is the period that the law requires for finance companies to keep document of borrowers’ information. Six years is also the required minimum duration for business enterprise and finance companies to keep all their clients’ information. Unsurprisingly, several banking institutions have still been keeping personal profiles as old as the 90s. In that case, a claim for twenty five years from a specific firm will not perhaps be done from another business due to the different ways and time keeping of records of banking institutions. Hence, if you are thinking about making a claim simply just fill in the required information in the form given on this site.

We can absolutely help you in filing a claim. Check out the form offered on this page and ensure to fill out as an initial step in filing a claim. Those who believe that they are one of the many victims of being tricked in buying their PPI ought to give consideration. We’re here to support if you are considering to claim. We even brag to have helped countless people in filing a claim; and it turned out successful. This is the ideal moment to get back what exactly belongs to you.

If you opt to work together with us in filing a claim, you don’t need to give us any original document about your transactions. All that you should do is give us the details that we need in filing a claim. These include your complete name, what kind of policy you had, and what was your address throughout the time the loan was given. For more queries, feel free to ask our hospitable and experienced employees.

 

 

READ MORE +

I am worried about using a PPI Claims Management company, should I be?

Are you worried about using a claims management company? Well yes you should some 
are rogues but most of those are being whittled out of the business. The important things to 
remember when looking into a company to use, is that you pay no upfront fees, that fees 
quoted include VAT, they are regulated with the Ministry of Justice, the business provides 
a landline number not some 08 nonsense and that they provide an address. It is always 
worth reading contracts thoroughly and ask questions if you have any, if contracts are too complicated avoid as they are only like this to cover something. So a few simple checks 
should give you the reassurance you need. 

Financial institutions and also other financial institutions have been involving their clients into fraudulent monetary transactions through the former’s wrongful procedures of selling ppi. How could you claim everything back from the PPI policies? If so, what do you must do and just how much can you claim?

Claims can be available within 25 years. Nonetheless, the time period that’s fixed by banking institutions and building societies regularly varies from one another. The time limits are also depending on any remaining personal information and files that they still have. The thing is, these time limits shouldn’t be found at all. You may claim without any certain time period if you have the original transaction records and papers. Nevertheless, it’s pointless to have your own authentic papers with you to have a claim. You can still get your claim as long as you rely upon the services we give.

We don’t need an account number or authentic records if one makes a claim; though having them can be helpful. Organizing a 25-year loan or credit card papers could only be completed by a few people. Furthermore, it’s also unattainable for all individuals to bear in mind precisely what their authentic loan policy number is. Even now, the loan companies could still track back your own information if you have presented them the exact address and name you’ve provided to them during the loan was agreed upon. This is the key reason why we are able to assist you in making a claim even in the absence of your own original papers.

Financial institutions must only keep private records of their clients for 6 years once the first loan is completed according to the law. Additionally, loaning businesses as well as financial institutions should keep clients’ records for at least 6 years. However, lots of banking institutions have records of their previous clients; even those who have engaged with them back 1990’s. This means to say that, because of the varying strategies in keeping client’s documents, a number of firms will allow a claim for twenty five years, and others would not. Nevertheless, those who have to file a claim are required to fill out the form available on this site.

Have you been receiving PPI without knowing it at all? In case you stated yes, then we could help you out. We’ve assisted a lot of people to reclaim what’s rightfully theirs. So, there’s no excuse you can’t do the same as well. To help you further with your needs, please complete the information needed on the form presented below.

We don’t need your authentic documents to help make the claim. The lender’s name, the date, along with the policy you had been committed to, are the info that we need to help you. And for you to find solutions to your question, just inquire our own helpful crew about it.

 

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.

And we established that the banks are already ripping off customers for a long time by mis-selling payment protection insurance. No doubt that you have to claim your Payment protection insurance, but how much time have you got?

You’ve got 25 years much more or less to make your claim. Nonetheless, not every banking institutions or even loan companies can present you the same time period limit. The deadlines are also depending on any remaining private information and also records that they still have. Ideally, there shouldn’t be any time frame. All you need is your own original documents to really make the claim. There is no reason to get worried though in case you lost the first papers. Along with our support, you may effectively submit a claim to obtain what’s rightfully yours.

Even though they’re useful, we do not need borrowers to provide an account number or the original files in claiming. Few people would be organised enough to keep up to twenty five years of loan or even credit card documents. Obviously, the number of your original loan policy isn’t the kind of data that you could effortlessly remember especially when a few years have passed already. The name of the loan company, and also address in the period the loan was agreed are rather important because this is exactly how most lenders can find your information. Rest assured that we could help you on your claim even in the absence of the original files.

The law needs all finance institutions which records must only be stored for six years once the initial loan is finished. Any loan provider or business is required to keep their client’s details on file for a minimum of six years. However, many banking institutions have documents of their previous customers; even those who have engaged with them way back 1990’s. This means to say that, because of the different methods in keeping client’s files, several companies will allow a claim for 25 years, and others would not. Thus, if you’re thinking about making a claim just fill out the necessary information in the form given on this page.

Misselling your Payment protection insurance shouldn’t worry you simply because we are here to provide you assistance. We have assisted many clients to get back what is truly theirs. Fill in the form available on this page if you’d prefer to find out more on how you could get started in making a claim.

Keep in mind that you don’t need to provide the original paperwork should you opt to get our professional services. All that we need are some valuable information in order to make a claim. That would include your own name, the kind of policy that you had, as well as your address during the time when you got a loan. To learn more on how we can provide our help, we have a group on standby and all set to respond to any of your queries.

 

 

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 +