Types of Claims

Credit/Store Cards

Credit Card Payment Protection Insurance refunds.

Credit card providers have been selling (sometimes applying by default) Credit Card Payment Protection Insurance to their Credit Cards for years. These Insurance policies were generally calculated as a percentage of the monthly outstanding balance. They were designed to meet the monthly minimum payments of the card if the card holder couldn’t make these payments due to being unable to work due to Unemployment, Accident or sickness.

Unfortunately these policies were expensive, flawed and not always suitable for the card holders personal situation. These Policies were block patent cure all policies that never actually fitted the needs of individual customers.

Depending on how you obtained the credit card you may well have a very strong case for making a payment protection insurance refund. If you make a complaint and you are successful you will receive not only any premiums that you have made but also any associated compound interest and statutory interest at 8%.

To find out if you have a valid claim check out the criteria and see if any of them match your own situation. Also you can read the FAQs section which will answer all your questions.

We operate on a No Win No Fee* Basis (See PPI Refunds for example of where charges may apply). This means that once your claim has been validated we will process your claim free of charge until we get a Final decision from the card provider. This can go one of two ways

1. The Credit Card provider upholds your claim. If this happens:-
1. We will check the amount of the refund and advise you if you should accept this or not.
2. You will receive an acceptance form from the Card provider that you will need to sign and return accepting the offer.
3. Once accepted the card provider will inform us of when they will make the refund to you.
4. Once you have been paid your refund we will invoice you for our fee which is 20% +VAT of the total refund amount.

2. The Credit Card provider does not uphold your claim. If this happens:-
1. We will check with the provider that this is their final response.
2. Once we are happy that it is their final response we will then send you the Financial Ombudsman’s Payment Protection Insurance Questionnaire and the application forms (partly pre-populated) to you for signing.
3. Once we receive these back from you we will then progress your claim through the Financial Ombudsman.
4. If your claim is upheld you will receive notification from us and you will then recieve a refund calculation and offer from the lender. We will liaise with you and advise whether you should accept this offer or not.
5. Once accepted you will receive your refund from the provider and we will then invoice you for our fee
which is 20% +VAT of the total refund amount.

3. If the FOS do not uphold your claim we can appeal and get them to re look at the case.
If at the end of the line there is no refund to be made there will be NO FEE due to us.

If you wish to start your claim just complete the form on the left hand side of the page or call us on 0161 495 3990
and we will gladly talk through your situation with you.



Mortgage Claims


If you have a mortgage you will be only too aware of how difficult it could be to keep up with your repayments should you lose your job or fall ill and be unable to work for months on end. It is for these reasons that many banks and building societies offer Payment Protection Insurance (PPI) with their mortgages. Unfortunately, many of them have also mis-sold PPI, which could have cost you thousands of pounds in unnecessary payments.

At Payment Protection Refunds we are able to assist our clients with mortgage PPI claims and we can help you to find out whether you have been mis-sold PPI. There are many ways in which PPI has been mis-sold in the past, with some of the biggest UK banks coming under fire for this kind of activity.

If you were forced to take out PPI in order to continue with your mortgage application, or if you were told that taking out PPI was mandatory, you might be able to reclaim mortgage insurance. Other warning signs of mis-sold PPI include being misinformed regarding your PPI plan.

For instance, the bank or building society might not have informed you about a cooling-off period in which you could cancel your PPI, or they might have carefully avoided letting you know that PPI is optional. Some banks have faced PPI claims for implying that PPI can make mortgage repayments cheaper, or that taking out a PPI plan could help your mortgage application to be approved.

If you feel that the salesperson was unnecessarily pushy when selling you PPI and that you felt as though you weren’t able to say ‘no’ to taking out a plan, there is a chance you could be eligible for a PPI claim. If you have only just discovered that you have a PPI plan on your mortgage that you never agreed to, we could help you in making a claim. Similarly, if you were not told all of the facts or if you were not in employment when you were sold the plan, we can give you the assistance required to file a complaint with the bank or building society.

Simply complete our short online form to begin your claim today.


Loan Claims

If you have taken out a loan with a bank or another finance company there is a good chance that you were also sold Payment Protection Insurance, which is also known as PPI. PPI is designed to provide you with financial security should you take ill and be unable to work, or if you lose your job and are unable to keep up with your loan repayments, in which case your PPI would be able to take over for you. However, there have been countless instances of PPI being mis-sold throughout the UK.

If you believe that you have been mis-sold your PPI it might be possible to file a loan PPI claim, which we at Payment Protection Refunds can assist you with. One of the main instances of PPI being mis-sold features customers being told that they must take out PPI if their loan application is to be approved, which is not true.

It might also be the case that you were not informed of a cooling-off period in which you could cancel your PPI, or if the bank or finance company misled you into believing that your loan would be more expensive without PPI. If you feel as though you were forced to agree to a PPI plan, you might also be able to reclaim loan insurance.

Many of our clients have even been sold PPI when they are unemployed, self-employed or retired, which would make the loan insurance worthless, as it can only be used by those that are in employment. If you weren’t made aware of any clauses in your plan which caused it to not pay out following illness or unemployment, you might also be able to come to us for assistance in reclaiming your PPI.

If you believe that you might have a case for mis-sold PPI, you can contact Payment Protection Refunds today to start your claim. All you need to do is complete the short form on our site and we will be back in touch as soon as possible.

To find out if you are owed thousands of pounds in mis-sold PPI, get in touch with us today.


Finance Claims

There has been a major change in the way banks and credit companies in the UK sell payment protection insurance (PPI) but while many firms are now taking a more responsible approach, for years lenders failed to make sure their customers were fully aware of all their available options.

PPI is usually offered to people who have been accepted for loans, credit cards, mortgages and a wide variety of other forms of credit. It is designed to provide a layer of protection for people who find themselves unable to meet their repayment schedule, perhaps because they have lost their job or have been forced to take sick leave and are no longer receiving their full salary. In these situations, loan repayments are made on the borrower’s behalf.

However, as recent news reports have revealed, many financial institutions were not as open about their PPI finance agreements as they should have been. Rather than being transparent about PPI finance and what it involved, consumers were tied into finance agreements that they knew nothing about, despite the fact that they should have had their needs fully assessed before PPI cover was taken out.

Some people were not made aware that they could have gone to another lender to take out PPI cover that would have better suited their needs, while others were not made aware of all the small print associated with the payment protection cover. The courts have ruled that financial institutions that mis-sold PPI finance agreements must now pay the money back.

When it comes to finance agreements and PPI claims it pays to make sure that you speak to legal experts. If you believe you were mis-sold PPI then make sure you get in touch with a member of our claims team to see if you could get your money back. If you are found to have a valid claim then we can guide you through the necessary steps to get your PPI premiums and interest reimbursed.

Submitting a claim through Payment Protection Refunds is simple when you use our online form, and you can rest assured that once your application has been passed on to our claims team, they will see it through to a final settlement.

Motor Finance

Many of us have applied for a loan, to help us make that purchase we really want. It’s become a very common way of funding bigger buys in particular – and especially a car.

And no matter who will have provided the money, if you made your application in the last few years, it’s also very likely that you were also offered a way of covering your payments in the event of you becoming ill and having to take time off work, or even losing your job.

That cover, known as Payment Protection Insurance, or PPI, was designed to ensure that you didn’t have to face a penalty for missing an instalment on your loan, by making the payment provided you fulfilled the strict criteria set by the insurance company.

At the time you took out the loan, you will have been asked a series of questions on your lender’s behalf, designed to assess your suitability for a PPI policy. But over the course of a loan, people’s circumstances often change; for example they find a new partner, who would be able to temporarily help them make loan payments. Therefore the PPI would no longer have been necessary.

Lots of people also took out PPI policies unaware that they could have shopped around for a policy which might have better suited their individual needs, and possibly even been cheaper – just as they do with many other types of insurance.

As with those other policies, it’s important to check the small print of any PPI policy, because it is likely to lay down in very strict terms the circumstances under which it will pay out to cover your loan, and what you need to do to qualify for any payouts. It is common for a wide range of exclusions to be contained in the clauses of such policies, so you should be sure that you are aware of the main ones.

Of course, any change which meant you couldn’t keep up the payments on a loan for a car which was essential for you to get to and from work or carry out other vital jobs would place a real strain on you, but if you feel that you have been mis-sold PPI we could assist you in making car finance PPI claims, so contact us today if you believe you would be eligible for car finance insurance claims.