{"id":382,"date":"2016-01-06T12:26:44","date_gmt":"2016-01-06T12:26:44","guid":{"rendered":"https:\/\/haveigotppiuk.com\/?page_id=382"},"modified":"2019-10-11T13:48:04","modified_gmt":"2019-10-11T13:48:04","slug":"what-is-ppi","status":"publish","type":"page","link":"https:\/\/haveigotppiuk.com\/ppi-faqs\/what-is-ppi\/","title":{"rendered":"What Is PPI?"},"content":{"rendered":"<p>[vc_row][vc_column][vc_single_image image=&#8221;202&#8243; img_size=&#8221;1200&#215;300&#8243; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/haveigotppiuk.com\/free-ppi-check\/&#8221;][vc_message message_box_color=&#8221;alert-danger&#8221;]<\/p>\n<p style=\"text-align: center;\"><strong>We are NO Longer Taking on PPI Claims. If you are interested in Flight Delay Claims, please use our Form Provided<\/strong><\/p>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1494587925464{background-color: #ffffff !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;]\t\n\t<h1 style=\"\" > PPI FAQs: What is PPI?<\/h1>\t\n[vc_column_text]<\/p>\n<h3><a href=\"https:\/\/haveigotppiuk.com\/ppi-calculator\/\">PPI<\/a> stands for <b>P<\/b>ayment <b>P<\/b>rotection <b>I<\/b>nsurance.<\/h3>\n<p>It is also known as:<\/p>\n<ul>\n<li>Payment Protection Cover.<\/li>\n<li>Payment Protection Plan.<\/li>\n<li>Lifestyle protection.<\/li>\n<li>Loan Protector.<\/li>\n<li>Payment shield.<\/li>\n<li>Mortgage protection cover (MPPI).<\/li>\n<\/ul>\n<h3>The Background Behind PPI<\/h3>\n<p>PPI is an insurance product that is designed to cover Client repayments of an outstanding debt in the event of <b>accident<\/b><b>, <\/b><b>sickness<\/b>, <b>redundancy<\/b> or <b>death<\/b>.<\/p>\n<p>PPI is typically in the form of a loan and is usually sold by banks and other credit providers as an add-on to the loan or mortgage. With credit cards it\u2019s a monthly amount payable dependent upon the balance outstanding.<\/p>\n<p>It is an <b>optional extra <\/b>and should not be included as a requirement of taking out a loan. Customers also have the right to refuse PPI.[\/vc_column_text][vc_column_text]<\/p>\n<h3>PPI Timeline<\/h3>\n<ul>\n<li>1983 very first sold<\/li>\n<li>2005 customers purchasing PPI are protected by the FSCS should a lender go into administration and a refund be due.<\/li>\n<li>2011 Judicial review rules in favour of the consumer.<\/li>\n<\/ul>\n<h3>PPI Facts:<\/h3>\n<ul>\n<li>First sold in 1983.<\/li>\n<li>\u00a310 billion originally set aside by lenders with an additional 2 billion announced in April 2012.<\/li>\n<li>\u00a35 billion has already been claimed.<\/li>\n<li>10 million plus policies still to be claimed.<\/li>\n<li>80% of all claims are by claims management companies.<\/li>\n<li>Claim back all premiums paid plus 8% interest for every year sold.<\/li>\n<li>Estimated 70% of all policies were miss sold (Source Sunday Times).<\/li>\n<li>Alliance and Leicester in 2008 were fined \u00a37 million for miss selling P.P.I.<\/li>\n<li>Capital 1- Credit Card Specialist were fined \u00a3175,000 for miss selling P.P.I in 2007.<\/li>\n<li>Land of leather were fined \u00a3210,000 in May 2008.<\/li>\n<li>Loans.co.uk were fined \u00a3455,000 in 2005.<\/li>\n<\/ul>\n<h3>A Typical Story of a PPI Sale<\/h3>\n<ul>\n<li>Mr Jones goes to his local branch of Lloyds TSB for a loan of \u00a310,000 to buy a car.<\/li>\n<li>His \u00a310,000 loan over 7 years has \u00a33000 added on in interest. Without PPI his payments would be \u00a3154.76 per month making a total of \u00a313000.<\/li>\n<li>He was advised to take out PPI, so in the event of an accident, sickness or redundancy his monthly payments would be covered.<\/li>\n<li>The average PPI value on a 7 year loan for \u00a310,000 is \u00a33500.<\/li>\n<li>Mr Jones, in agreeing to this, now has a loan for \u00a313500, however without the full cost being fully explained to him.<\/li>\n<li>In addition, it was not explained that the interest will be charged on the extra \u00a33500. This is at the same rate of his loan which would add an extra \u00a31000 making the total he repays \u00a317,500. His monthly repayments have now increased to \u00a3208.33.<\/li>\n<li>Mr Jones is paying an extra \u00a353.57 per month over 84 months making up an extra \u00a34,500 over seven years.<\/li>\n<li>But he can be rest assured his monthly loan payments will be made no matter what happens.<\/li>\n<\/ul>\n<h3>The Judicial Review<\/h3>\n<ul>\n<li>On 20 April 2011 a High Court Judge ruled that the British Banker&#8217;s Association lost their case over complaint handling rules on Payment Protection Insurance (PPI).<\/li>\n<li>On 9 May 2011 the British Bankers&#8217; Association announced that it would no longer appeal the ruling of the High Court, meaning that the banks must compensate consumers if they were mis-sold PPI.<\/li>\n<\/ul>\n<p>Don&#8217;t let the banks get away with mis selling you Payment Protection Insurance that you didn&#8217;t need, weren&#8217;t eligible for or know that you had. We can help you claim back any <a href=\"https:\/\/haveigotppiuk.com\/mis-sold-ppi\/\">mis sold PPI<\/a>.<\/p>\n<h4>Related\u00a0Topics:<\/h4>\n<ul>\n<li><strong><a href=\"https:\/\/haveigotppiuk.com\/ppi-faqs\/how-to-claim-ppi\/\">How to Claim PPI<\/a><\/strong><\/li>\n<li><a href=\"https:\/\/haveigotppiuk.com\/ppi-faqs\/how-far-back-can-you-claim-ppi\/\"><strong>How Far Back Can You Claim PPI Refund Compensation<\/strong><\/a><\/li>\n<li><strong><a href=\"https:\/\/haveigotppiuk.com\/ppi-calculator\/\">PPI Calculator<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/haveigotppiuk.com\/ppi-claims-companies\/\">PPI Claims Company<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/haveigotppiuk.com\/free-ppi-check\/\">PPI Check<\/a><\/strong><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1494587919073{background-color: #def2ff !important;}&#8221;][vc_widget_sidebar sidebar_id=&#8221;sidebar-1&#8243;][vc_wp_custommenu title=&#8221;PPI FAQs&#8221; nav_menu=&#8221;9&#8243;][\/vc_column][\/vc_row][vc_row][vc_column]\t\n\t<h3 style=\"\" > Quickly Calculate Your PPI Amount<\/h3>\t\n[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243;][vc_column_text]<form name=\"cp_calculatedfieldsf_pform_1\" id=\"cp_calculatedfieldsf_pform_1\" action=\"?\" method=\"post\" enctype=\"multipart\/form-data\" class=\"cff-form \" >\n<input type=\"hidden\" name=\"cp_calculatedfieldsf_pform_psequence\" value=\"_1\" \/>\n<input type=\"hidden\" name=\"cp_calculatedfieldsf_id\" value=\"7\" \/><pre style=\"display:none !important;\"><script type=\"text\/javascript\">form_structure_1=[[{\"form_identifier\":\"\",\"name\":\"fieldname2\",\"shortlabel\":\"\",\"index\":0,\"ftype\":\"fnumber\",\"userhelp\":\"\",\"userhelpTooltip\":false,\"csslayout\":\"\",\"title\":\"Loan Amount 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c_icon=&#8221;&#8221; active_section=&#8221;&#8221; collapsible_all=&#8221;true&#8221;][vc_tta_section i_icon_fontawesome=&#8221;fa fa-mouse-pointer&#8221; add_icon=&#8221;true&#8221; title=&#8221;Start My Free PPI Check&#8221; tab_id=&#8221;free-ppi-check&#8221;][gravityform id=&#8221;1&#8243; title=&#8221;false&#8221; description=&#8221;false&#8221; ajax=&#8221;true&#8221;][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text]<form name=\"cp_calculatedfieldsf_pform_2\" id=\"cp_calculatedfieldsf_pform_2\" action=\"?\" method=\"post\" enctype=\"multipart\/form-data\" class=\"cff-form \" >\n<input type=\"hidden\" name=\"cp_calculatedfieldsf_pform_psequence\" value=\"_2\" \/>\n<input type=\"hidden\" name=\"cp_calculatedfieldsf_id\" value=\"6\" \/><pre style=\"display:none !important;\"><script type=\"text\/javascript\">form_structure_2=[[{\"form_identifier\":\"\",\"name\":\"fieldname2\",\"shortlabel\":\"\",\"index\":0,\"ftype\":\"fnumber\",\"userhelp\":\"\",\"userhelpTooltip\":false,\"csslayout\":\"\",\"title\":\"Average Outstanding Balance (\\u00a3)\",\"predefined\":\"\",\"predefinedClick\":false,\"required\":true,\"size\":\"small\",\"thousandSeparator\":\"\",\"decimalSymbol\":\".\",\"min\":\"\",\"max\":\"\",\"dformat\":\"digits\",\"formats\":[\"digits\",\"number\"],\"fBuild\":{}},{\"form_identifier\":\"\",\"name\":\"fieldname3\",\"shortlabel\":\"\",\"index\":1,\"ftype\":\"fnumber\",\"userhelp\":\"\",\"userhelpTooltip\":false,\"csslayout\":\"\",\"title\":\"Number of \\u003Cstrong\\u003EMonths\\u003C\\\/strong\\u003E of Credit Card Payments 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Value\",\"predefined\":\"\",\"required\":false,\"size\":\"medium\",\"toolbar\":\"default|mathematical\",\"eq\":\"(fieldname2*0.01)*fieldname3\",\"optimizeEq\":true,\"eq_factored\":\"((fieldname2*0.01)*fieldname3)\",\"suffix\":\"\",\"prefix\":\"\",\"decimalsymbol\":\".\",\"groupingsymbol\":\"\",\"dependencies\":[{\"rule\":\"\",\"complex\":false,\"fields\":[\"\"]}],\"readonly\":true,\"hidefield\":true,\"fBuild\":{}}],{\"0\":{\"title\":\"Credit Card PPI\",\"description\":\"Calculate your Estimated Credit Card PPI Refund\",\"formlayout\":\"top_aligned\",\"formtemplate\":\"cp_cff_letter\",\"evalequations\":1,\"autocomplete\":1},\"formid\":\"cp_calculatedfieldsf_pform_2\"}];<\/script><\/pre>\n<div id=\"fbuilder\">\n\t\t<div id=\"fbuilder_2\">\n\t\t<div id=\"formheader_2\"><\/div>\n\t\t<div id=\"fieldlist_2\"><\/div>\n\t\t<div class=\"clearer\"><\/div>\n\t<\/div>\n<\/div>\n<div class=\"clearer\"><\/div>\n<\/form>\n\t[\/vc_column_text][vc_tta_accordion color=&#8221;orange&#8221; c_icon=&#8221;&#8221; active_section=&#8221;&#8221; collapsible_all=&#8221;true&#8221;][vc_tta_section i_icon_fontawesome=&#8221;fa fa-mouse-pointer&#8221; add_icon=&#8221;true&#8221; title=&#8221;Start My Free PPI Check&#8221; tab_id=&#8221;free-ppi-check&#8221;][gravityform id=&#8221;1&#8243; title=&#8221;false&#8221; description=&#8221;false&#8221; ajax=&#8221;true&#8221;][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_single_image image=&#8221;202&#8243; img_size=&#8221;1200&#215;300&#8243; onclick=&#8221;custom_link&#8221; link=&#8221;https:\/\/haveigotppiuk.com\/free-ppi-check\/&#8221;][vc_message message_box_color=&#8221;alert-danger&#8221;] We are NO Longer Taking on PPI Claims. If you are interested in Flight Delay Claims, please use our Form Provided [\/vc_message][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1494587925464{background-color: #ffffff !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text] PPI stands for Payment Protection Insurance. It is also known as: Payment Protection Cover. Payment Protection Plan. Lifestyle protection. Loan Protector. Payment shield. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":13,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-canvas.php","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is PPI? - Have I Got PPI? | PPI Claims<\/title>\n<meta name=\"description\" content=\"What is PPI ? Click to find out more about the PPI meaning, facts, timeline and a typical story of a PPI sale. 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