The claims process

Can I Claim?

When you took out a loan you probably did not even realise that there was Payment Protection Insurance (PPI). It was the banks, brokers and other lenders who pushed the sale and therefore the Payment Protection Insurance (PPI) was a "secondary purchase." A strong indicator that the Payment Protection Insurance (PPI) has been mis-sold is if one or more of the following took place:

• You were not aware of the total costs of the PPI
• You had a pre-existing medical condition that was not covered by the PPI
• You were unemployed at the time of taking out the PPI
• You were or was shortly to become self-employed when you took out the PPI
• You were retired or close to retirement when you took out the PPI
• You were led to believe PPI was compulsory and/or it would enhance your chances of getting a loan
• You were pressured into buying PPI
• PPI was added without your knowledge
• You had alternative insurance which gave you adequate cover

Even if the Payment Protection Policy was sold to you correctly, nevertheless if the Bank or other lenders failed to incorporate the costs of the PPI correctly within the loan agreement, the entire loan and the insurance can still be deemed to unenforceable under the Consumer Credit Act. Providing the cost of the Payment Protection Policy and/or the loan is over £5,000 we can help you on a No Win, No Fee, basis.

As experienced Payment Protection Insurance (PPI) solicitors we can seek to help you claim back the PPI linked with the loan.

We help you by using the Consumer Credit Act laws designed to protect consumers, like you, from unscrupulous or careless lenders. We know that simple administration errors, poor staff training by banks and other lenders & brokers have lead to many loans being declared unenforceable and PPI policies deemed mis-sold.

We will seek to use the law to help you fight back. No lender can enforce the loan against you containing breaches of the Consumer Credit Act without an order from the court. If the breach, however minor, is a breach of a "prescribed term" it may mean that the court can make the loan unenforceable.

We can Work For Free WIN or LOSE for Claims Above £5,000.