frequent questions
Can I make my own PPI claim without using your Company?

Yes, but your Bank are likely to ask you to complete a detailed twelve page questionnaire for each PPI claim you want to make. In the questionnaire you will need to answer 30 to 40 questions providing your detailed recollection of the meeting or telephone conversation in which you agreed to buy their PPI, the date you took it out, your financial situation at the time you took it out and the reasons you decided to take out PPI, but now want to complain. Your Bank will then compare the answers you provide in your questionnaire against their records and recorded telephone calls, to decide if they have to pay you Compensation. People that make their own PPI claims using reasons they found online which they cannot prove are often surprised and very disappointed when their claims are rejected.

Why would my Bank reject my PPI claim?

People who try to make their own PPI claims often claim: "I didn't know PPI had been added", "I was told PPI was compulsory", "I wasn't told it was optional", "I was told it would be cheaper with PPI", "I can't remember" etc. without any evidence to support their claims, forgetting that Banks keep records of application forms and recorded telephone calls. Such evidence can prove they do not need to pay out any Compensation. A typical example would be how most Loan and Credit Card application forms require borrowers to tick to opt to take out PPI or to sign a separate part of the application form asking to take out their optional PPI and Credit Card statements which detail the cost of PPI each and every month.

Will I be automatically entitled to Compensation?

No, there is no automatic entitlement to Compensation just because you took out PPI. Before you receive Compensation, it must be proven that your Bank mis-sold you PPI. Lloyds Banking Group (which include Lloyds, Lloyds TSB, Bank of Scotland, C&G and TSB Bank), HFC Bank and Clydesdale Bank who are both owned by HSBC Bank, Alliance and Leicester who is owned by Santander Bank, Co-Op Bank, Capital One and MBNA have already been fined by their regulatory body, The Financial Conduct Authority for failing to assess their borrowers PPI complaints fairly. A Nationwide firm of Solicitors who specialise in PPI disputes has warned that only 1 in 5 PPI claims are successful.

What is the advantage of using your service to make my PPI claim?

We specialise in PPI claims and have a record of winning over 99% of claims for Clients who were mis-sold PPI. We work on a No Win No Fee* commission only basis. We complete all the paperwork on your behalf using our years of expertise to present your PPI claims in the most persuasive manner. With every PPI claim we submit a detailed twelve page document, explaining exactly why we believe your Lender should pay you Compensation for your mis sold PPI. We will ensure that you receive the maximum amount of Compensation. We have arranged for thousands of people to receive a total of over 20 million pounds of Compensation and our average Client is awarded over £2,000.00 for each PPI claim we made for them

If I make my own PPI claim and fail, can I use your service?

No, you only have one chance to make your PPI claim, if it is rejected you can refer it to the Financial Ombudsman Service who can take over 2 years to process PPI claims. In our experience Lenders do not reject claims they think the Ombudsman will later uphold. Therefore, we will not take on PPI claims that you or someone else has tried to make and failed.

If I change my mind, can I cancel my claim?

Yes, you can cancel your Agreement at any time by making a clear statement (e.g. letter, fax, email, by visiting www.PPICLAIMS.DIRECT/cancellations, telephone or using our cancellation form). If you cancel within 14 days there will be no cost to you. If you cancel after 14 days and before your claim has been submitted we will charge you for the work we have conducted, calculated at a pro rata rate of one hundred pounds per hour plus vat. If you cancel your claim after 14 days and after we have submitted your claim, if your claim is successful you will be charged our full fee.

How does the claim process work?

We will seek to obtain then review details of your Loan, Card and Mortgage etc. to confirm if you took out PPI, how much you paid for it and how much you can claim back. We may also need to obtain a copy of your PPI policy and potentially the recorded calls in which you agreed to buy PPI. We may then need to ask you a few questions. We will then prepare your claim in the form of a comprehensive twelve page document that will detail the reasons you were mis-sold PPI and why you are entitled to receive Compensation; this can take several hours to complete. The reason we submit such a comprehensive claim is that we want to win as many claims for Clients who have been mis-sold PPI as possible. After we have submitted your claim, we then continue to monitor its progress until we receive a "final response" offering you Compensation or rejecting your claim. We will both normally receive a copy of this "final response". We would suggest you do not accept any offer of Compensation until we have contacted you.

How Much Paperwork Will I Have to do?

Very little, you will have to complete a simple one page form. We take care of all the other paperwork.

Will claiming a refund affect my credit rating?

It will have absolutely no effect on your credit rating in any way.

Will my claim affect the relationship with my Lender or Bank?

No, it will not. Lenders are used to dealing with our Company and we always conduct ourselves in a professional manner.

Are there any risks of claiming a refund?

No, because we operate on a No Win No Fee* Guarantee, if you allow us to finish claiming your refund there is absolutely no chance of you losing any money.

How much work will I have to do?

Just return the Refund Claim Form we send you, we may ask you some simple questions later, we do the rest of the work for you.

What will I need to provide?

Only the name of your Lender. But if possible your account number and/or a copy of your Loan agreement or card statement showing you paid for PPI will help speed up your claim.

If I can't find my paperwork can I still make a PPI claim?

Many of our Clients can't find their paperwork, but because we have systems in place we can often obtain copies and then make a successful PPI claim on your behalf.

I don't know if I took out PPI, can I still make a PPI claim?

Our experience is that many people took out PPI without even knowing it. Because we have systems in place we can often obtain copies and then make a successful PPI claim on your behalf.

If I receive a No Claims Bonus Cash Back (NCB or NCBCB) can I still make a PPI claim?

Yes you can, the amount of compensation you are awarded might be slightly less because you have received your Cash Back, but your compensation award could still be several thousand pounds.

How long before I find out if I'll receive Compensation for PPI?

If you included proof you took out PPI when you returned your claim form, the processing of your claim can start immediately. If you did not include proof, we will need to obtain your PPI records from your Bank (2 to 3 weeks) before the processing of your claim can start. We may need to ask you a few questions and then your claim can be submitted for assessment. You should receive a written response from your Bank within 8 weeks, offering you an exact amount of financial Compensation or providing the reasons why they have turned down your claim.

If I wish to make a complaint how can I do this?

The Company operates a formal internal complaints handling procedure which is: you may complain to the Company by: writing to or visiting the Complaints Manager at 34 Clarence Street, Southend, SS1 1BD or phoning 0843 289 0879 or emailing complaints@PPICLAIMS.DIRECT. Complaints will be acknowledged in writing within 5 business days advising you that if you are not satisfied with the Company's final response or if you do not receive a final response within 8 weeks, you can within 6 months refer your complaint to the Legal Ombudsman by writing to PO Box 6804, Wolverhampton, WV1 9WG or phoning 0300 555 0333 or emailing cmc@legalombudsman.org.uk.

If I am in arrears can I still make a PPI claim?

Yes you can, the amount of compensation you are awarded might be slightly less, but your compensation award could still be several thousand pounds. You should declare your situation fully on your Refund Claim Form and then we can advise you further.

If I am or was previously Bankrupt can I still make a PPI claim?

Yes you can, the amount of compensation you are awarded might be slightly less, but your compensation award could still be several thousand pounds. You should declare your situation fully on your Refund Claim Form and then we can advise you further.

If I am in or was previously in a IVA can I still make a PPI claim?

Yes you can, the amount of compensation you are awarded might be slightly less, but your compensation award could still be several thousand pounds. You should declare your situation fully on your Refund Claim Form and then we can advise you further.

Any other Questions?

If you cannot find an answer to your question here then do not hesitate to phone 0207 046 6300 or fill out our How Much Can You Claim form and we will be happy to help. Our friendly staff are on call to assist you with any enquiries and to give expert advice with regards to making a claim. If you're unsure whether you're entitled to reclaim your PPI, we are happy to look into this for you. Or if you're not sure whether you had PPI, we will try our best to assist you in finding your policy: 0207 046 6300.

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