[vc_row][vc_column][vc_single_image image=”202″ img_size=”1200×300″ onclick=”custom_link” link=”https:\/\/haveigotppiuk.com\/free-ppi-check\/”][vc_message message_box_color=”alert-danger”]<\/p>\n
We are NO Longer Taking on PPI Claims. If you are interested in Flight Delay Claims, please use our Form Provided<\/strong><\/p>\n [\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″ css=”.vc_custom_1493997541813{margin-top: 20px !important;margin-bottom: 20px !important;}” offset=”vc_col-lg-offset-2 vc_col-md-offset-2 vc_col-sm-offset-2″]\t\n\t Check if you have been mis sold PPI on any Loans.<\/p> PPI Claims on Loans<\/a> <\/div>\n[\/vc_column][vc_column width=”1\/3″] Check if you have been mis sold PPI on any Credit Cards.<\/p> PPI Claims on Credit Cards<\/a> <\/div>\n[\/vc_column][vc_column width=”1\/3″] Check if you have been mis sold PPI on any Mortgages.<\/p> PPI Claims on Mortgages<\/a> <\/div>\n[\/vc_column][\/vc_row][vc_row css=”.vc_custom_1494060067097{padding-top: 10px !important;background-color: #ffffff !important;}”][vc_column width=”1\/2″]\t\n\t It is not to be confused with income protection insurance, which is not specific to a debt but covers any income. PPI is widely sold by banks and other credit providers as an add-on to the loan, credit card, overdraft or other financial product. Each PPI policy will have its own terms.<\/p>\n Typically, most PPI policies will cover your loan\/credit card\/mortgage repayments for up to 12 or even 24 months. The cover will usually start to pay out after the first 30 days off work and after 60 days following redundancy.\u00a0Payment Protection Insurance<\/strong> will usually cover the customer for 5 years however some last for 10 years.<\/p>\n For a more detailed guide, click on our what is PPI page<\/a>.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”How Do I Know if I Had PPI?” tab_id=”have-i-had-ppi”][vc_column_text]To find out if you have had PPI attached to any of your finances you can do the following:<\/p>\n The products you should check for PPI include:<\/p>\n Personal loans<\/a>, Credit cards<\/a>, Business Loans<\/a>, Business Credit Cards<\/a>, Mortgages<\/a>, Secured loans<\/a>, Dealership car finance, Overdraft (occasionally), and many more.<\/p>\n If you cannot find your old agreements, you could try contacting the lender or broker who arranged your finance or credit for you. They only have to keep your records for 6 years after you last used the account.<\/p>\n If it is more than 6 years since your account closed then the institution that sold the policy to you is no longer required to keep any paperwork. You are still perfectly entitled to make a claim, but you will have to provide any and all evidence on your own to claim.<\/p>\n If the above proves difficult you could check your credit report. The UK has 3 main credit agencies that will list any credit and debt that you have\u00a0had within the last 6 years. The 3 agencies are called Equifax<\/strong>, Experian<\/strong>, and Call Credit<\/strong>. You can\u00a0either get a free trial or you can see your credit file for a one-off \u00a32 fee.<\/p>\n If the above is too time consuming for you or seems a little difficult and you can’t be bothered with all the hassle, you could use our Free\u00a0PPI Check<\/a> service and let us do all the work for you.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Was I Mis Sold PPI?” tab_id=”was-i-mis-sold-ppi”][vc_column_text]PPI was widely mis sold to customers either at the point of sale or at some point thereafter. All the benefits would have been explained but eligibility or appropriateness may\u00a0not have been determined. Here is a list of the most common situations when PPI\u00a0may have been mis sold<\/a>:<\/p>\n You can use our FREE PPI check service<\/a> to save you time and hassle in order to see if you are also owed any PPI compensation.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Which Lenders Mis Sold PPI?” tab_id=”lenders-mis-sold-ppi”][vc_column_text]PPI has been widely mis sold over the past 20 years by a large percentage of financial brokers and high street banks.<\/p>\n Without checking whether PPI was actually included along side any of your loans, credit cards or finances it would be difficult to know if you may be entitled to a PPI refund. Our Free PPI Check<\/a> is useful for most of our clients in these circumstances.<\/p>\n Here is a list of some of the banks\/lenders<\/a> that have been found to have mis sold PPI:<\/p>\n [\/vc_column_text][\/vc_tta_section][vc_tta_section title=”How Do I Know if I Have a Claim for Mis Sold PPI?” tab_id=”have-i-got-a-mis-sold-ppi-claim”][vc_column_text]If you already know that you have PPI and you think that it was mis-sold, contact us\u00a0(info@haveigotppiuk.com) and we will discuss this with you and determine whether we think you may have a claim or not.<\/p>\n Common reasons for the mis-selling of PPI are below:<\/p>\n Contact us (info@haveigotppiuk.com) and we will assist you all the way throughout the process; from establishing whether you have had PPI, making a claim to the relevant lenders or companies on your behalf, helping you fill out any relevant paperwork, right through to agreeing, assessing and settling any offers of compensation on your behalf.<\/p>\n Where you do not know whether you have had PPI or are unsure we can assist you by running a Free PPI Check<\/a> on your behalf. This PPI check is done for free and we will contact your lenders and any other relevant companies to check with them if any PPI was actually taken out or put in place at any stage of you being their customer.<\/p>\n Why not try our Free PPI Check<\/a> and let us find out if you have PPI![\/vc_column_text][\/vc_tta_section][vc_tta_section title=”What Information Do I Need to Make a PPI Claim?” tab_id=”info-needed-for-ppi-claim”][vc_column_text]To make a PPI claim<\/a> you will need to know the company that you have taken out the finance with and\u00a0prove that you had PPI attached to the\u00a0finance that you want to claim for mis-sold PPI<\/a> on.<\/p>\n We can help you with this by establishing whether or not PPI was actually attached to that particular finance. We would then establish if the PPI was actually mis-sold and on what grounds.<\/p>\n The next step would be for us to contact the company that you think is responsible and inform them of your complaint.<\/p>\n Our Free PPI Check<\/a> can help with this![\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Should I Use a Claims Management Company for Claiming Mis Sold PPI?” tab_id=”cmc-for-mis-sold-ppi”][vc_column_text]Claims Management Companies get a bad reputation across the board because of all the negativity attached to nuisance calls that they and marketing companies make.<\/p>\n Although there is a lot of bad publicity associated with Claims Management Companies and their bad practices, there are actually some ethical companies that comply with the regulations set by the government and relevant authorities.<\/p>\n We pride ourselves in aspiring to become the best PPI Claims Company<\/a> by providing valuable information on our website in order to educate our clients on how to make a successful PPI claim.<\/p>\n Why not try out our Free PPI check<\/a> or our Free PPI Calculator<\/a> page in order to see if we can assist you with claiming back any PPI that may be owed to you.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”How Can I Claim for Mis Sol PPI?” tab_id=”how-claim-mis-sold-ppi”][vc_column_text]You can directly contact your lender or the company that you think may be responsible for mis-selling you PPI yourself and make a complaint to them, letting them know of your concerns and informing them of why you think that you may have been mis-sold the PPI.<\/p>\n Alternatively you can use a company such as ourselves to help you with any PPI claims<\/a>\u00a0you may have. The benefits of using us is that we can take care of the entire process of making a claim for you, including taking your claim to the Financial Ombudsman Service or Financial Services Compensation Scheme if necessary.<\/p>\n Before submitting a claim for mis-sold PPI<\/a> to a lender or any other company who you think may be responsible for mis-selling \u00a0you PPI, you would first need to establish if PPI has been added. We can help with this by helping you check your old banking statements, your credit report, we can even write to your lenders or the company that you think may be responsible for mis-selling you PPI and ask them to run a Subject Access Request (SAR)<\/a>\u00a0or Pre- Submission check. These checks will determine whether you have had PPI or not and can save a lot of time and wasted resources for all parties concerned.<\/p>\n By running the SAR and Pre- Submission checks before a letter of complaint is sent out to the lender or company we can ensure that complaints are sent to lenders and companies where PPI has actually existed.<\/p>\n Of course you are entirely free to\u00a0contact the lenders and companies who you feel may\u00a0have mis-sold you PPI. There is no legal obligation for you to use a claims management company such as ourselves.<\/p>\n The choice is yours![\/vc_column_text][\/vc_tta_section][vc_tta_section title=”How Far Back Can I Claim for Mis Sol PPI?” tab_id=”how-far-back-claim-ppi”][vc_column_text]In normal circumstances you would have up to 6 years from the time that your account that had the PPI on was still active and no more than 3 years since you knew there was a problem.<\/p>\n However if you have paperwork that shows evidence of PPI and you feel that you may have been mis-sold that PPI<\/a>, then there is no reason that you can not put in a complaint and ask for a\u00a0refund of\u00a0any PPI premiums paid along with any interest paid and 8% statutory interest that would be awarded to\u00a0you by a court if your claim was successful.<\/p>\n There is no reason that you could not successfully be compensated for mis-sold PPI going back 10 – 15 years provided that we were able to establish that PPI was added and that the PPI was mis-sold.<\/p>\n Although it is\u00a0normally best to have proof of any PPI by way of bank statements, credit card agreements etc that show that PPI was added, it is not always needed as we can run a Free PPI Check<\/a> for you. You don’t need any account numbers or any statements, as long as you can remember the name of the lenders, then we can do the rest.<\/p>\n For a more detailed answer please view our how far back can I claim PPI page<\/a>.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”What is Your Free PPI Check and How Does it Work?” tab_id=”what-how-free-ppi-check”][vc_column_text]Our Free PPI Check<\/a>\u00a0“does exactly what it says on the tin”. We will simply contact any\u00a0lenders or companies that you are, or have been a customer with and taken finances with in the past. We will then run a free PPI Check on your behalf to see whether PPI has been attached to any of\u00a0the finances that you have taken out with them.<\/p>\n It really is that simple. All that we require is that you must have been a customer of the lender or company in the past and you must be able to remember the lender or company names. We will do the rest.<\/p>\n Obviously we can not just contact random companies without a valid reason, this would be pointless and waste a lot of people’s time and money. We therefore would ask that you do cooperate with us efficiently and only ask us to contact lenders or companies that you can genuinely remember being a customer of and taking finances through.<\/p>\n Have I Got PPI<\/h1>\t\n\t\n\t
Types of PPI Claims<\/h2>\t\n[\/vc_column][vc_column width=”1\/3″]
PPI Loan Claims<\/h2>
PPI Credit Card Claims<\/h2>
PPI Mortgage Claims<\/h2>
Quick FAQs<\/h3>\t\n[vc_tta_accordion color=”white” active_section=”” collapsible_all=”true”][vc_tta_section title=”What is PPI?” tab_id=”what-is-ppi”][vc_column_text]Payment Protection Insurance<\/strong> is a financial product which is offered to consumers and which is intended to cover repayments on loans and other credit products that the consumer has, in the event that they lose their source of income.<\/p>\n
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